Affordable Care Act Compliance – Effective Immediately

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Governor Brown has signed SB 1446, allowing small employers with a health plan that was in effect on December 31, 2013, and still in effect as of the passage of the bill, to renew their current health plan, even if … Continue reading

Health Care Reform – How’s it working for you so far?

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The answer is based on a few variables: Were you one of the 6 million Americans who lost their coverage December 31, 2013? Were you able to navigate Covered California? Were you eligible for a subsidy? Did your new premium … Continue reading

Employer ERISA Compliance ~ Summary Plan Description*

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Summary Plan Description The Employee Retirement Income Security Act (ERISA) requires employer-provided group health plans to provide plan participants with a written summary plan description (SPD) describing participants’ rights, benefits, and responsibilities under the plan. Summary Plan Description Details: When … Continue reading

Affordable Care Act (PPACA) – Honor System Implemented

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The Obama administration has announced Coverage and Income Verification will be Delayed. Further an “honor system” will be implemented for Coverage and Income Verification. States operating marketplaces (i.e. exchanges) will not be required to confirm a consumer’s statement that he/she … Continue reading

Employer Mandate Delayed 1 Year

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The Obama administration has announced that the employer mandate aspect of the Patient Protection and Affordable Care Act (PPACA) will be delayed by one year. The mandate requires businesses with 50 or more workers to provide health insurance coverage to … Continue reading

Companies with 50 Full Time Employees/Equivalents: PART III

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If an Employer Has 50 or More FTEs, Does Coverage Have to be Offered to All Employees? No. If an employer is subject to the employer-shared responsibility provisions, the employer must make an offer of coverage to at least 95% … Continue reading

Companies with 50 Full Time Employees/Equivalents: PART II

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How Does an Employer Calculate the Number of Full-Time Equivalent Employees? “Applicable large employer” status is determined based on the actual hours of work performed by employees in the prior calendar year. Note: PPACA allows the calculation of full-time employees … Continue reading

Companies with 50 or more Full Time Employees/Equivalents: PART I

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Start Preparing Now – 2013 Employers should start preparing now for the Patient Protection and Affordable Care Act (PPACA) Employer Shared Responsibility Provisions that will take effect January 1, 2014. Who is Subject to Employer-Shared Responsibility Provisions? Employers that employ … Continue reading