2010 - Employee Benefits I AP Benefit Advisors

IRS delays enforcement of discrimination rules for non-grandfathered, fully insured plans

Today, the IRS issued Notice 2011-1 addressing the timing of the application of the Patient Protection and Affordable Care Act provisions prohibiting insured group health plans from discriminating in favor of highly compensated individuals. It states that the Treasury Department and the IRS, as well as the Departments of Labor and Health and Human Services, […]

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Congress Extends Transit Benefit (again)

Without this extension, the maximum 2011 transit benefit would have been capped at $120/month. Now, it can be as high as $230/month. Parking benefits have remained at $230/month and were not set to expire when the Bush-era tax-cuts were due to sunset this December 31st. For additional details about the other aspects of the bill, […]

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Grandfathered Plans – Updates & New Wrinkles

You read Crawford’s news articles on June 14th and June 17th on keeping your Plan’s Grandfathered Status (referred to as “GF status” below for shorthand purposes). And, you’ve read the regulations, the HHS/DOL’s FAQs and recent new articles. After the update below, we’ll explore a few interesting twists that we are forced to conclude from […]

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Updated Health Care Reform Timelines

Health Care Reform Timelines (originally posted here on 5/20/10), are revised to include new guidance. AP Benefit Advisors’ Webinars on Health Care Reform have referenced a few timelines and charts that we have created to help Employers and Employees learn about health care reform and to determine which changes will affect you and when. Employer […]

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IRS Releases 2011 401(k) Limits and Delays Health Care Reporting on W-2s

Delay Health Care Reporting on W-2s As you’ve been keeping up with Health Care Reform (HCR), you’ve undoubtedly seen our charts summarizing HCR for Employees (here) and for Employers (here) and you’ve seen that when you get your W-2 on January 31, 2012 (for the 2011 Tax Year) it is supposed to include the full […]

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Department of Labor – Affordable Care Act Implementation Part 2

On Saturday, October 8, 2010, the DOL released additional Frequently Asked Questions about the Affordable Care Act’s implementation. Full Notice/FAQs-Part II is here. If you’d like to re-read Part I of the FAQs you can do so here or here. If you’d like to read FAQs-Part 3 (here) or Part-4 (here) you may. However, those […]

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Health Care Reform – News Releases from the US Department of Labor

DOL – FAQs regarding the Affordable Care Act – Implementation Click here to read the FAQs. Interim Procedures for Internal Claims and Appeals (Technical Release 2010-02) – When this technical release is read in concert with our September Compliance Chronicle, you’ll see that this release extends the “enforcement grace period” until July 1, 2011 with […]

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IRS Issues Guidance Explaining 2011 Changes to Flexible Spending Arrangements

Today, the IRS issued guidance related to using FSAs (and HRAs) to pay for OTC (Over-The-Counter) medicines and drugs. The Affordable Care Act established new standards that, beginning January 1, 2011, apply to HCFSAs and HRAs, namely that the cost of an OTC-medicine/drug cannot be reimbursed from an FSA or HRA unless a prescription is […]

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The Affordable Care Act: Internal & External Appeals for Patients

On July 23, 2010, Interim Final Rules relating to Internal Claims and Appeals and External Review Processes under PPACA and HCEARA were issued by the Departments of Health and Human Services (HHS), Labor (DOL), and the Treasury (IRS). These requirements do not apply to Grandfathered plans. Group health plans (and health insurance issuers) need to […]

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