March 8, 2019

0 Comments

Social Determinants of Health

Population Health Managers have long known that the health of an individual is dependent on a complex variety of factors, not just genetics and lifestyle. Health can also be determined by the places and conditions where employees work and live. Poor social and environmental conditions can negatively affect the health outcomes of those employees. For […]

Continue reading...

March 7, 2019

0 Comments

Mistaken HSA Contributions

Health Savings Accounts (HSAs) have become increasingly popular over the past decade. When combined with a qualified high deductible health plan (HDHP), an HSA allows an individual to save money to be used on qualifying medical expenses at a later date. Employees may elect to contribute money to their HSA account on a pre-tax basis […]

Continue reading...

March 7, 2019

0 Comments

Frequently Misunderstood Health Savings Account Issues

Authors: Christopher Beinecke is the Employee Health & Benefits National Compliance Leader for Marsh & McLennan Agency.  Jennifer Stanley is a Compliance Consultant in the Employee Health & Benefits Compliance Center of Excellence for Marsh & McLennan Agency. The health savings account (HSA) eligibility and contribution rules are often misunderstood, which can result in potential adverse consequences […]

Continue reading...

February 25, 2019

0 Comments

2018 Stop-Loss Survey

Last year we published our inaugural Stop-Loss Survey, which allowed employers and their advisors to more accurately benchmark deductibles and premium levels based on peers of similar size and geographic area. As a result of the success of our 2017 Marsh & McLennan Agencies Stop-Loss Survey, we are excited to share with you the results […]

Continue reading...

February 5, 2019

0 Comments

Automatic Enrollment Given a Boost

U.S. Department of Labor (DOL) Issues Letter Indicating ERISA Preemption Applies to State Payroll Withholding Laws On December 4, 2018, the DOL issued a letter in response to an inquiry from the American Council of Life Insurers (ACLI) about the interaction of ERISA and state wage withholding laws that require an affirmative written election before […]

Continue reading...

January 30, 2019

2 Comments

Is it Time for a Benefits Administration Technology Solution?

The benefits you offer your employees are valuable. Your benefits package is also a key factor when attracting – and keeping – top talent. When employees aren’t engaged in their benefit offerings, it can lead to costly turnover and job dissatisfaction. But there is some good news. When it seems like your employees are dissatisfied […]

Continue reading...

January 2, 2019

0 Comments

Slowly Filling in the Blanks

IRS Releases Guidance on Qualified Transportation Fringe Benefits for Tax-Exempt Organizations The Tax Cuts and Jobs Act (the “Act”), enacted in December 2017, eliminated the business deduction employers received for providing qualified transportation fringe benefits (“fringe benefits”) to their employees beginning January 1, 2018. The Act did not affect the employee exclusion, which enables the […]

Continue reading...

December 18, 2018

0 Comments

Texas Federal Court Rules ACA Unconstitutional

Given the heavy media attention, you are probably aware that a Texas federal district court issued a decision on December 14, 2018, declaring the entire Affordable Care Act (ACA) unconstitutional. The final outcome will take a while, and the ACA remains in effect as this case moves through the appeals process. Employers (and their group […]

Continue reading...

December 17, 2018

0 Comments

Retail Workers and Fatigue

During the holidays, many retail workers experience irregular and extended shifts and often take on additional workload due to reduced staff. This can lead to overexertion, stress and fatigue which ultimately can cause poor overall health in the population. The National Institute for Occupational Safety and Health (NIOSH) looked at the retail sector and provided […]

Continue reading...

November 27, 2018

0 Comments

Do the HIPAA Privacy and Security Rules Apply to My Organization?

This article is the second in a two-part series addressing whether and how the Privacy and Security Rules (the “Rules”) under the Health Insurance Portability and Accountability Act (HIPAA) apply to various legal entities. Part One addressed Covered Entities and appeared in our October 2018 newsletter. This article addresses Business Associates of Covered Entities that […]

Continue reading...

November 16, 2018

0 Comments

Better Late Than Never

The Internal Revenue Service released Revenue Procedure 2018-57 today, which contains the 2019 cost-of-living adjustments for various employee benefit plans including employer sponsored health care flexible spending accounts, qualified transportation fringe benefits, and adoption assistance programs. The following provides a summary of the annual limits for these specific benefit programs along with a summary of […]

Continue reading...

November 2, 2018

0 Comments

Health Reimbursement Arrangements Poised for a Facelift

The President signed an Executive Order on October 12, 2017, directing the U.S. Departments of Labor, Treasury, and Health and Human Services (collectively, the “Agencies”) to consider rules expanding the availability and permitted uses for Health Reimbursement Arrangements (HRAs). The clear intent was to ultimately enable employers to offer HRAs to employees that can be […]

Continue reading...