Blog
The information and content contained in this blog are for general informational purposes only, and does not, and is not intended to, constitute legal advice. As always, for specific questions concerning your health or 401(k) plans, please consult your own ERISA attorney or professional advisor.
H&W: Don’t Have a Trust? …Are you sure?
Do you self-insure your employee medical benefit plan? Do you fund benefit claims from your general assets? Do you use a separate bank account for payment of claims? Have you given thought to whether by doing these things you have
H&W: Cadillac Tax – Information from the IRS
For taxable years beginning in 2018, employers will have to pay excise taxes on high cost employer-sponsored health coverage; the so-called “Cadillac Tax”. The IRS recently issued its Notice 2015-16 (https://www.irs.gov/pub/irs-drop/n-15-16.pdf) in which it invited stakeholder input on regulations to
H&W: Know the Electronic Distribution Guidelines
A recent case out of the federal district court in New York City emphasizes the importance of careful compliance with the details of ERISA’s regulations on electronic delivery of SPDs. In the case of Thomas v. Cigna Group Insurance, the
H&W: HHS Explains Application of Annual Cost-Sharing Limit to Family HDHP Coverage
HHS has posted an FAQ explaining how the annual cost-sharing limit under health care reform will affect high-deductible health plan (HDHP) coverage. The new FAQ explains the agency’s position by applying it to a hypothetical HDHP with a $10,000 family deductible. On