Business & Professions Insights

Safety Focused Newsletter
Reporting Close Calls to Reduce Accidents; EEOC Delays Amending Wellness Program
Regulations to End of 2019

Benefits Buzz
IRS Releases Inflation-adjusted Limits for HSAs and HDHPs for 2020; Eye Protection in the Summer Sun 

HR Brief
HSA and HDHP 2020 Limits Released; Making Emotional Intelligence Work for You

Safety Focused Newsletter  
Emergency Preparedness During National Safety Month; 5 Tips for Outdoor Heat Safety

Benefits Buzz
Final Notice of Benefit and Payment Parameters for 2020; DOL Issues Opinion Letter on Gig Worker Classification

HR Brief
DOL Enforcement Actions Are Up and Expected to Stay That Way; Lowest Unemployment in Decades

Safety Focused Newsletter  
Electrical Safety in the Workplace; Ergonomics Basics to Prevent Injuries

Benefits Buzz
DOL Supports Federal Court Ruling Invalidating ACA; Parts of AHP Final Rule Are Struck Down by Federal Court

HR Brief
Vote on Health Care Won’t Come Until After 2020 Elections; DOL’s Newly Proposed Overtime Rule: What’s Included

Safety Focused Newsletter  
6 Tips for Managing Stress at Work; Concussions in the Workplace

Benefits Buzz
Deadline Extended for EEO-1 Filing; BLS Data on Worker Access to Family Leave in 2018 Now Available

HR Brief
When it Comes to Employee Engagement, Communication is Key; The EEOC is Changing Things Up by Moving Online

Safety Focused Newsletter  
Recognizing Workplace Eye Wellness Month; Tips for Safe Spring Cleaning

Benefits Buzz
Proposed Notice of Benefit and Payment Parameters for 2020; DOL Increases Civil Penalty

HR Brief
Workplace Wellness is About More than Just Physical Health; Retaliation Claims Are Up, Are You Prepared?

Safety Focused Newsletter  
Don’t Let Winter Weather Cause Slips, Trips and Falls; Workplace Burns and How to Treat Them

Benefits Buzz
ACA Reporting; Wellness Plan Incentive Limits Removed by EEOC

HR Brief
Retaining Talent: Are Your Leaders the Problem?; Calculating OT? Double-check Your Math

Safety Focused Newsletter
Be Cautious of Unguarded Machinery; Do’s and Don’ts When Working at Heights

Benefits Buzz
The IRS is Beginning 2016 Pay or Play Enforcement: Here’s What You Need to Know; FSA Limit to Increase for 2019 

HR Brief
2019 Plan Limits:Everything You Must Know; Gen Z is Coming: Are You Prepared?

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ACA in the News

House Committees Release ACA Replacement Bills
On March 6, 2017, Republican leadership in the U.S. House of Representatives issued two bills to repeal and replace the Affordable Care Act (ACA) through the budget reconciliation process. These bills are collectively known as the American Health Care Act. If enacted, the new law would not repeal the ACA entirely, although it would make significant changes to key provisions. The ACA’s employer and individual mandates would be repealed retroactively beginning in 2016. Key consumer protections, like the ACA’s prohibition on pre-existing condition exclusions and dependent coverage to age 26, would remain intact. 

Congress Clears Path for ACA Repeal
On January 13, 2017, the U.S. House of Representatives passed a budget resolution for fiscal year 2017 to begin the process of repealing the Affordable Care Act (ACA). At this time, Republicans have not agreed on a plan to either repeal or replace the ACA. However, a full repeal of the ACA cannot be accomplished through the budget reconciliation process. A full repeal of the ACA must be introduced as a separate bill that would require 60 votes in the Senate to pass. 

Employer Appeals of Exchange Subsidy Notices, Part 2
Beginning in spring 2016, employers started receiving notices from the Exchange if any of their employees were deemed eligible for health insurance subsidies through an Exchange.  Employers that receive these notices will have 90 days to file an appeal if they feel the eligibility determination was made in error. Find information on how to handle your organization’s appeal here. 

Employer Appeals of Exchange Subsidy Notices
Beginning in spring 2016, employers may receive notices from the Exchange if any of their employees have been deemed eligible for health insurance subsidies through an Exchange. Employers that receive these notices will have 90 days to file an appeal if they feel the eligibility determination was made in error. 

Navigating Healthcare Reform
2017 Benefit and Payment Parameters: Annual Limits on Cost Sharing; Large Employer and Small Employer Definitions; Marketplace Open Enrollment Period for 2017 and Later Years; Medical Loss Ratio Rules .  

Employer Reporting Requirements and Cadillac Tax Delayed
The ACA created new reporting requirements to Internal Revenue Code Section 6056. Under these rules, applicable large employers must provide information to the IRS about the health coverage provided to their full-time employees.  

Senate Passes ACA Small Group Market Rule Repeal
PACE Act repeals Healthcare Reform requirements on small group markets to be expanded to businesses with up to 100 employees.    

Final 1094C – 1095C Forms Released
Under the ACA, employers with over 50 full-time employees are subject to new reporting requirements effective in early 2016. In September, the IRS released final 2015 versions of Forms 1094-C and 1095-C, along with related instructions on how to properly meet reporting requirements.  

Embedded Out-of-Pocket Maximum for Family Coverage 

The ACA requires non-grandfathered health plans to include an annual limit on total enrollee cost sharing for essential health benefits (EHB). This annual limit is often referred to as an “out-of-pocket maximum” or “maximum out-of-pocket” (MOOP). New group health plans must embed an individual out-of-pocket maximum in the plan’s family coverage when the family out-of-pocket maximum exceeds the ACA’s out-of-pocket maximum for self-only coverage.

Certifications of Employee Eligibility for Subsidies
The ACA requires health insurance Exchanges to send a notice to employers regarding employees who purchase coverage through an Exchange and qualify for a health insurance subsidy. These notices are also called “Section 1411 Certifications” and are part of the process established by the Department of Health and Human Services (HHS) for verifying that only eligible individuals receive health insurance subsidies. Learn more about your responsibilities as an employer in this month’s ACA in the News.

Use of Temporary Staffing Firms by Larger Employers (ALEs)
The Affordable Care Act (ACA) imposes a penalty on large employers that do not offer minimum essential coverage to “substantially all” full time employees and dependents by the 90th day of employment. Large employers that do offer coverage may still be liable for a penalty if the coverage is unaffordable or does not provide minimum value.

The Individual Mandate and Your 2014 Tax Filing
Because the individual mandate was applicable in the 2014 tax year, this is the first year individuals will have to disclose their medical status on their 2014 tax filing. Read this ACA in the news for an overview of the individual mandate and the new 2014 tax requirement.

Employer Reporting of Health Coverage – Code Sections 6055 & 6056
Under these new reporting rules, certain employers must provide information to the IRS about the health plan coverage they offer (or do not offer) to their employees. This ACA in the News includes an overview of the two IRS codes.

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