Compliance

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  • Time to review benefit denial letters

    September 16, 2014

    The Sixth Circuit’s ruling in Moyer makes clear that administrators of ERISA-governed plans with contractual time limits on when a participant must initiate judicial review of a denial of benefits should err on the side of caution.


  • 3 steps to take when reviewing fee disclosures

    September 9, 2014

    Commentary: Open enrollment time means employer clients will be reviewing fee disclosures. Columnist John Ludwig discusses several steps plan sponsors should take when reviewing the disclosures for accuracy and to determine if fees are fair and reasonable.


  • 11 ERISA milestones

    September 2, 2014

    Happy birthday ERISA! The Employee Retirement Income Security Act of 1974 turns 40 on September 2. Here’s a look at 11 important milestones, modifications and case law in the legislation’s 40-year history.


  • Illinois aims to end workplace discrimination against pregnant workers

    August 29, 2014

    Earlier this week, Illinois Gov. Pat Quinn signed a new law that is intended to prevent workplace discrimination against pregnant women by offering guidance on reasonable accommodation measures that all employers in the state are expected to follow.


  • Employer sued over wellness program

    August 28, 2014

    The case, EEOC v. Orion Energy Systems, serves as a reminder for advisers and their employer clients, when putting together a wellness plan, to pay careful attention to how the EEOC defines liability.


  • The trouble with granting employees health plan exceptions

    August 22, 2014

    Although your employer clients may consider granting employee requests for exceptions to health plan rules or limits, doing so could cause trouble down the road. Advising them to consider a plan amendment may be a better choice.


  • Brokers question value of SHOP training and marketing

    August 20, 2014

    Enrollment on the SHOP exchanges remains stagnant, a concern benefit advisers attribute to inadequate marketing practices. Brokers also remain concerned about the poor quality of training for those assisting employers with enrollment.


  • IRS publishes guide to health coverage exemptions

    August 20, 2014

    The Internal Revenue Service has issued a new one-page publication with information about exemptions to the health coverage requirements of the Affordable Care Act.


  • IRS provides guidance on covered entities for health insurance fees

    August 14, 2014

    The IRS has issued guidance on how the IRS and the Treasury Department will administer the definition of a “covered entity” for purposes of the health insurance fee under the Affordable Care Act.


  • New rates for 'affordable coverage' under ACA announced

    August 8, 2014

    The IRS has issued its first adjustment to the ACA definition of “affordability” for the 2015 plan year. Building a solid ACA compliance plan with your employer clients means understanding the act clearly provides for such changes.


  • Increased retirement plan complexity underscores need for adviser assistance

    August 4, 2014

    Employers are increasingly adopting best practices to ensure compliant retirement plan administration — and one of those practices is using an adviser.


  • ACA reporting for employers and the IRS' new draft forms

    July 31, 2014

    The IRS’ new draft forms for employer reporting on health care coverage unveils a glimpse of the administrative onus in store for benefit advisers and their employer clients working to comply with the Affordable Care Act.


  • McDonald’s labor ruling may be employer ‘train wreck’

    July 31, 2014

    In a landmark challenge to traditional labor law, the National Labor Relations Board is attempting to lump together McDonald’s and its independent franchises as joint employer, which leaves many questions on what this could mean for other collective benefit plan structures.


  • Minimum-wage activists see opportunity in McDonald’s decision

    July 30, 2014

    Minimum-wage activists seized on a decision against McDonald’s by the National Labor Relations Board’s general counsel Tuesday, saying the move may make it easier to unionize workers and ultimately raise wages.


  • Frequently asked questions about private exchanges

    July 29, 2014

    Commentary: Benefit advisers and their employer clients continue to have questions about private exchanges. Blogger Dan Garlitz shares some recent FAQs fielded by exchange administrator bswift.


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