2015 - Employee Benefits I AP Benefit Advisors

Cadillac Tax – Delayed Again

Chalk this up to – we all saw this coming, but had to prepare for it anyway.  You may recall that the so-called Cadillac Tax was due to hit all employers and plan sponsors as part of their 2014 renewals.  Many special interest groups, including big-labor pressed for a delay and the administration provided a […]

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Opt-Out Payment 180! And, ER Shared Responsibility Payments Indexed.

Departments change their minds on opt-out guidance:  Until future guidance is issued, opt-out payments under existing opt-out arrangements (as defined in the Notice) are not added to the stated cost of the employer’s lowest cost self-only health coverage for ACA affordability test purposes. As you may recall from prior meetings, webinars and other presentations, beginning […]

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2015 Form 5500 Released (and longer extension was repealed)

The U.S. Department of Labor has released the 2015 Form 5500 and related instructions.  Modifications to Form 5500 as well as schedules and instructions for plan year 2015 are described under “Changes to Note” in the 2015 instructions. Examples of these changes include: IRS Electronic Filing Requirements. On September 29, 2014, the Treasury Department issued […]

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Webinar Series: Final Regulations on 2010 PPACA Provisions

Join AP Benefit Advisors’ General Counsel and Vice President – Compliance, Patrick Haynes, for a complimentary webinar as he reviews PPACA Final Regulations on 2010 Provisions on Tuesday, December 8, from 12:00pm to 12:35pm EDT. Many employers are struggling to understand how these changes to their health plans will be implemented, what cost changes they […]

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5.66 Years Later – We Have Final Regs for PPACA’s 2010 Features – Departments Finalize Healthcare Reform Guidance

The Departments of Labor, Treasury and Health and Human Services (DOL, IRS, HHS) have jointly issued final regulations coverage a number of health care reform topic, many dating back to 2010’s initial implementation of the Affordable Care Act (PPACA). These include: Appeals and Review of Claims Dependent Coverage Designating a Primary Care Physician Emergency Care […]

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Proposed Rules May Allow More Wellness Data

The EEOC (U.S. Equal Employment Opportunity Commission) just released its latest proposed strategy for allowing wellness plan managers access to covered spouses’ medical data while still complying with the Genetic Information Nondiscrimination Act of 2008 (GINA). Currently, regulations say that a wellness program cannot require* employees to provide their genetic information as a condition of […]

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Combined FMLA Leave for Same Employer Spouses

Under 29 CFR 201(b), married couples who are employed by the same employer can be required to share a combined 12 weeks of FMLA leave to: bond with their new child; or care for their own parent with a serious health condition. The regulation states: “Spouses who are eligible for FMLA leave and are employed […]

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Benefits of Hiring People with Disabilities

It’s not just the law, there are business benefits to hiring those with disabilities. Benefit #1 – Those with disabilities can have longer tenure than those who do not have a disability. Benefit #2 – An employer who is disability-confident knows how to communicate better with customers with disabilities, as well as attract customers with […]

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Employees + Allergies = Accommodation

A Baltimore, Maryland-based company is facing an Americans with Disabilities Act (ADA) lawsuit for having failed to accommodate an employee with a severe peanut and tree nut allergy. In this case, the allergy could result in anaphylactic shock or death. The employee had requested the company supply her with vinyl gloves to handle items at […]

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