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Proposed Benefit Payment and Parameters Rule Released | PA Employee Benefits

By Danielle Capilla Chief Compliance Officer at United Benefit Advisors Federal agencies have released the proposed rule for the 2017 Benefit Payment and Parameters. Among other items, it provides updates and annual provisions relating to: Risk adjustments, reinsurance, and risk corridors programs Cost-sharing parameters and cost-sharing reductions User fees for Federally-Facilitated Exchanges (FFEs) The standards … Continued

DOL Issues FAQ on Mental Health Parity and ACA Market Reform Provisions | Duncansville Employee Benefits

By Danielle Capilla Chief Compliance Officer at United Benefit Advisors The Department of Labor (DOL) recently provided an informational FAQ relating to the Mental Health Parity and Addiction Equity Act (MHPAEA) and Patient Protection and Affordable Care Act (ACA) market reform provisions. Non-grandfathered group health plans and individual or group market health insurance must cover … Continued

Reporting and Plan Documents Under ERISA and Cafeteria Plan Rules | PA Benefits Broker

By Danielle Capilla Chief Compliance Officer at United Benefit Advisors The Employee Retirement Income Security Act (ERISA) was signed in 1974. The U.S. Department of Labor (DOL) is the agency responsible for administering and enforcing this law. For many years, most of ERISA’s requirements applied to pension plans. However, in recent years that has changed, … Continued

IRS Proposed Regulations Recognize Same Sex Marriage | PA Employee Benefits

By Danielle Capilla Chief Compliance Officer at United Benefit Advisors In June 2015, the Supreme Court ruled in Obergefell v Hodges that the 14th Amendment requires a state to license a marriage between two people of the same sex, and to recognize a marriage between two people of the same sex when their marriage was … Continued

Cafeteria Plans: How to Handle Participant Contributions | Pennsylvania Benefits Broker

By Danielle Capilla Chief Compliance Officer at United Benefit Advisors Cafeteria plans, or plans governed by IRS Code Section 125, allow employees to pay for expenses such as health insurance with pre-tax dollars. Employees are given a choice between a taxable benefit (cash) and specified pre-tax qualified benefits, for example, health insurance. Employees are given … Continued

Perfect Attendance! How to Handle Leaves of Absence under the ACA | Pennsylvania Employee Benefits

By Danielle Capilla Chief Compliance Officer at United Benefit Advisors The Patient Protection and Affordable Care Act (ACA) requires applicable large employers (ALEs) to offer full-time employees health coverage, or pay one of two employer shared responsibility penalties. An ALE is an employer with 50 or more full-time or full-time equivalent employees (for 2015, this … Continued

IRS Notice on Minimum Essential Coverage Reporting | PA Employee Benefits

By Danielle Capilla Chief Compliance Officer at United Benefit Advisors Minimum essential coverage or “MEC” is the type of coverage that an individual must have under the Patient Protection and Affordable Care Act (ACA). Employers that are subject to the ACA’s shared responsibility provisions (often called play or pay) must offer MEC coverage that is … Continued

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer, member FINRA www.finra.org / SIPC www.sipc.org, to residents of: DC, FL, MD, NJ, NY, OH, PA, SC, TX, CA, CO, GA, and OK. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Adviser. Webber Advisors and the Leavitt Group are not affiliated with Cambridge. Fixed insurance and benefit services are not offered through Cambridge.

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