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A captive is an independent insurance company that is created and owned by at least one non-insurance company for the purpose of insuring the employee benefits risks of its owner (or owners).
It has... Read More
The Affordable Care Act (ACA) created a number of federal reporting requirements for employers and health plans. The additional reporting is intended to promote transparency with respect to health... Read More
Key Areas:
Overview
Important Definitions including plans subject to COBRA, qualified beneficiaries, maximum coverage period and qualifying events
Chart of Qualifying Events
Overview
The... Read More
Every year the Family and Medical Leave Act (FMLA) helps employees across the nation manage serious health issues and care for ill family members. With this comes a major frustration for employers—... Read More
Employers can assist employees during open enrollment by distributing materials that explain new health options and changes to existing benefits.
Open enrollment is a period of time each year when... Read More
The Fair Labor Standards Act (FLSA) requires employers to compensate their employees for all hours employees are "suffered or permitted" to work. This means that an employer must compensate its... Read More
A new law allows employers to exclude certain covered veterans when determining ALE status.
This provision applies retroactively for months beginning after Dec. 31, 2013.
Covered veterans must still... Read More
The 2015 draft instructions include new proposed filing extensions and a proposed waiver from the requirement to file electronically.
On Aug. 7, 2015, the IRS released 2015 draft instructions for the... Read More
Author: Saeculum Research
Bottom Line
Watch out: The merger mania taking place among health insurers will change this market dramatically.
Expect any proposed mergers to come under strict scrutiny.... Read More
Federal law imposes numerous requirements on the group health coverage that employers provide to their employees. Many federal compliance laws apply to all group health plans, regardless of the size... Read More
