Entries for April 2015

Beginning January 1, 2016 the federal law requires that small group health plans, subject to community rating, are defined as 2-100 employees as stated in the Affordable Care Act.  This expansion of the small group market is significant for fully insured groups with 50-100 employees who up until now (in KY, OH, and IN) have been treated under insurance carriers’ large group underwriting rules. We believe that the vast majority of employers... Read more
On April 16th the Equal Employment Opportunity Commission, EEOC, released long awaited proposed rules on how the Americans with Disability Act, ADA, apply to employer wellness programs.  Although there are some differences with the HIPAA regulations on employer based wellness programs, the proposed rules indicate the EEOC’s intent to provide some consistency with the HIPAA rules which prohibit health plans from discriminating against individuals based on a &ld... Read more
In recent guidance provided by the IRS and the Department of Labor, questions have been brought to light on 2 related issues: how Section 125 cafeteria plan Flex Credits and how Cash-in-Lieu of Benefits may affect the calculation of “affordable” health coverage when employers (who are subject to the Employer Mandate) report to each full time employee and the IRS. A “Flex Credit” is an employer contribution in a cafeteria plan that the employe... Read more
While everyone is focusing on health care reform on the Federal level there have been two major changes at the state level in Ohio, bringing the Ohio Law in line with the Federal law. Read more
Within the last couple of years there have been many changes to federal and many state laws dealing with marriage equality for same- sex spouses.   The most recent federal change, effective March 27, 2015, revised the definition of spouse under the Family Medical Leave Act, FMLA.   The amended definition of spouse under FMLA would allow eligible employees legally married in a state that recognizes same-sex marriages, but who reside in a state that doe... Read more