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 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

Expect Increased Premiums

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The Affordable Care Act will Bring Significant Changes to Employers. Several new provisions, fees and taxes are expected to increase premium rates for employers and employees.  United Healthcare has put together an excellent overview of the new provisions, fees and taxes. Please double … Continue reading

*2013 Employer Retiree Coverage Subsidy Change

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Mandated by the Patient Protection & Affordable Care Act (PPACA) As of January 1, 2013 an important change to Medicare and Medicaid, mandated by the Patient Protection and Affordable Care Act (PPACA), is to the Employer Retiree Coverage Subsidy. For … Continue reading

*2013 Medicare Tax Increase

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Mandated by the Patient Protection & Affordable Care Act (PPACA) As of January 1, 2013 an important change to Medicare and Medicaid, mandated by the Patient Protection and Affordable Care Act (PPACA), is a Medicare Tax Increase. For any specific … Continue reading

Employer Notification of Health Care Exchange Options Delayed

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Implementation Deadline: DELAYED Under Section 1512 of the Patient Protection and Affordable Care Act (PPACA), employers subject to the Fair Labor Standards Act (FLSA) are required to provide their employees with written notice of coverage options available through state health … Continue reading