November 2014 - Employee Benefits I AP Benefit Advisors

HHS is Consistent! Pre-Thanksgiving Regulation Dump – 2014 Version

The Department of Health and Human Services (HHS) has come through for us again.  This year’s pre-Thanksgiving regulation dump came a bit earlier than expected.  They issued proposed regulations that address a variety of Patient Protection and Affordable Care Act (PPACA) benefit provisions for 2016 affecting both the group and individual markets. There is a 30-day […]

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IRS Releases 2015 Versions of Forms for Trustee Reporting of HSA Contributions and Distributions

From EBIA The IRS has released Forms 5498-SA and 1099-SA for the 2015 tax year, along with their combined instructions. (The 2015 General Instructions for Certain Information Returns, which relate to these and certain other information returns, have not yet been released.) Form 5498-SA is used by trustees and custodians of HSAs, Archer MSAs, and […]

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Top Benefits News & Legislation Blogs

News and regulations surrounding benefits legislation continue to build as the Patient Protection and Affordable Care Act is deployed. In the past few weeks we’ve seen a significant number of guidelines and regulations issued from government agencies as well as legal challenges in courts throughout the land. Staying current with these developments can save businesses […]

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Today We Honor Our Military Veterans

Veterans Day is an important opportunity for our nation to show our appreciation for military veterans and all they have done to serve and protect us. Today everyone at AP Benefit Advisors would like to honor our family, friends, employees and customers who served in the United States Military Services. We thank you for your […]

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Misconceptions About High Deductible Health Plans and HRAs, HSAs, FSAs and Fully Insured Supplements

Join AP Benefit Advisors Senior Counsel, Patrick Haynes, as he reviews High Deductible Health Plans (HDHPs), HRAs, HSAs, FSAs and Fully Insured employee or employer paid supplements to these high deductible health plans. What are the exposures, the risks, the Cadillac taxes and the costs relating to these plans? Should the strategy be complete replacements, […]

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Reinsurance Contribution Information

The reinsurance contribution process requires four steps completed through pay.gov. Additionally there are crucial deadlines and a number of important notes. Click on the thumbnail below to read the full PDF, or contact us for more info.

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EEOC Loses Another Round – Wellness Battle Continues?

In a decision that’s being hailed as a victory for employer-sponsored wellness programs, the U.S. District Court for the District of Minnesota yesterday denied the Equal Employment Opportunity Commission’s (EEOC) request for a temporary restraining order and preliminary injunction against Honeywell International Inc. The EEOC claims the company’s wellness program violates the Americans with Disabilities […]

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IRS: Group Health Plans that Fail to Cover In-Patient Hospitalization Services Won't Comply with PPACA

Perhaps you joined us for one or more of our webinars about Skinny or MEC plans.  Or, maybe you’ve been reading the Wall Street Journal and other sources on the issue of HHS’ AV (Actuarial Value) Calculator (really, it’s a spreadsheet).  Well, some vendors had been selling/offering health plans that were designed to meet all […]

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