Previous Webinars

What Employers Need to Know About Severance Agreements and Bonus Plans

Tuesday, August 8th | 1:00 p.m. CST

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This webinar will cover what to consider when offering severance agreements or bonus plans.

This webinar will:

  • Briefly describe severance agreements and bonus plans
  • Generally discuss how federal and state laws impact these arrangements
  • Describe how offering severance agreements or bonus plans may affect plan design
  • Discuss the impact that these arrangements have on the payroll process and taxation
  • Discuss the impact that these arrangements have on benefits such as life and long-term disability
  • Discuss how severance agreements or bonus plans interplay with COBRA
  • Discuss how offering these arrangements can set a precedent for future employer actions

This 60-minute intermediate level webinar will help employers understand the implications of offering severance agreements or bonus plans.

Presented by: Lorie Maring


What Employers Need to Know About Taxing Benefits

Tuesday, June 13th | 1:00 p.m. CST

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When an employer offers employee benefits, there are requirements to tax certain benefits. While most employers may be familiar with using a cafeteria plan for employees to pay for health insurance on a pre-tax basis, there are taxation rules that apply to voluntary plans, life insurance coverage exceeding a certain amount, long-term disability or short-term disability, fringe benefits, and wellness rewards.

This webinar will:

  • Review basic employment tax laws that apply to health and welfare benefits
  • Describe general taxation rules that apply to fringe benefits
  • Describe the taxation rules that apply to voluntary plans, including fixed indemnity plans
  • Discuss the taxation of employer-provided group term life insurance coverage over $50,000
  • Discuss the pros and cons of paying premiums pre-tax or post-tax for long-term or short-term disability
  • Discuss the taxation of wellness program rewards
  • Discuss the potential consequences of evading employment taxes
  • Describe best practices when offering voluntary plans, fringe benefits, and wellness rewards

This 60-minute intermediate level webinar will help employers understand their obligations when they offer benefits that are subject to income tax withholding and employment taxes.

Presented by: Lorie Maring


What Employers Need to Know About Offering and Terminating Employee Benefits

Tuesday, May 9th | 1:00 p.m. CST

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When an employer offers employee benefits, there are requirements to document the benefits, including who is eligible for the benefits, when employees are eligible, what benefits are available, when employees may add or drop benefits, and when employees’ benefits may be terminated. Government regulations often require an employer to provide certain notices to employees. This webinar will help employers understand their responsibilities when offering and terminating employee benefits.

This webinar will:

  • Review the basics of offering employee benefits
  • Describe the information that should be included in the employee handbook and plan documents
  • Discuss portability of certain benefits
  • Discuss best practices in maintaining documentation, including written waivers and what to do when a waiver is not returned
  • Describe when employee benefits may be terminated, including what to consider when an employee is receiving disability benefits
  • Describe best practices when terminating benefits

This 60-minute intermediate level webinar will help employers understand their obligations when they offer and terminate employee benefits.

Presented by: Tabatha George


What Employers Need to Know About HIPAA and HITECH

Tuesday, April 11th | 1:00 p.m. CST

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The Health Insurance Portability and Accountability Act (HIPAA), its administrative simplification regulations, and the Health Information Technology for Economic and Clinical Health Act (HITECH) provide administrative, privacy, and security standards for health plans and their business associates. The extent to which HIPAA applies to a health plan depends on the health plan’s structure. This webinar will help plan sponsors understand their responsibilities under HIPAA and HITECH.

This webinar will:

  • Review the basics of HIPAA and HITECH
  • Explain key terms
  • Discuss different types of health plans to which HIPAA may apply
  • Discuss how HIPAA applies to fully-insured plans (that use either a hands-on approach or a hands-off approach)
  • Discuss how HIPAA applies to self-funded plans
  • Discuss the consequences of violating HIPAA / HITECH
  • Describe best practices in HIPAA / HITECH compliance

This 60-minute intermediate level webinar will help employers understand how HIPAA applies to a variety of plans.

Presented by: Tabatha George


What Employers Need to Know About Cafeteria Plan Nondiscrimination Rules

Tuesday, March 14th | 1:00 p.m. CST

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A cafeteria plan is a written plan – maintained by an employer for employees – that must meet requirements of the Internal Revenue Code Section 125 regulations. A cafeteria plan provides participants with an opportunity to receive certain benefits on a pretax basis. To comply with Section 125, a cafeteria plan must satisfy structural requirements and a set of nondiscrimination rules. This webinar will help employers understand their responsibilities under the nondiscrimination rules.

This webinar will:

  • Review the basics of a cafeteria plan
  • Explain the key terms used in the nondiscrimination tests
  • Discuss the nondiscrimination tests
  • Discuss the safe harbors for cafeteria plans
  • Describe testing frequency
  • Discuss the consequences of failing nondiscrimination testing
  • Describe best practices in cafeteria plan design, testing, and taking corrective actions

This 60-minute intermediate level webinar will help employers understand cafeteria plan nondiscrimination rules.

Presented by: Lorie Maring


What Employers Need to Know about the Medicare Secondary Payer Rules and the CMS Data Match Program

Tuesday, Feburary 14th | 1:00 p.m. CST

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Medicare Secondary Payer (MSP) describes the situation when the Medicare program does not have primary payment responsibility for paying a claim. Employers with group health plans are greatly impacted by the MSP rules depending on their size. This webinar will help employers understand their responsibilities under the MSP provisions and best practices when completing the CMS Data Match report.

This webinar will:

  • Review the basics of Medicare Secondary Payer –Provide information on the penalties for violating MSP rules or for failing to complete the CMS Data Match questionnaire
  • Discuss the requirements under MSP for employers with fewer than 20 and with 20 or more employees, including how to count employees and determine employer size
  • Discuss who is primary or secondary payer in common situations when Medicare and other health insurance or coverage may be present
  • Describe how to identify those individuals to whom the MSP requirement applies
  • Discuss the choices an employee is free to make when deciding between Medicare and a group health plan
  • Discuss the limited circumstances in which certain employers can reimburse Medicare supplements for employees
  • Discuss best practices to ensure that a plan does not discriminate against employees and employees’ spouses age 65 or over, people who have permanent kidney failure, and disabled Medicare beneficiaries for whom Medicare is secondary payer
  • Discuss best practices regarding information needed to accurately complete and timely submit Data Match reports on identified employees

This 60-minute intermediate-level webinar will help employers understand Medicare Secondary Payer rules and CMS Data Match reporting.

Presented by: Tabatha George


Lather, Rinse, Repeat: IRS Reporting in 2017

Tuesday, December 13th | 1:00 p.m. CST

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The Patient Protection and Affordable Care Act’s (ACA) reporting requirements are rapidly approaching for employers with group health plans or with 50 or more full time or full time equivalent employees. During 2016, the IRS provided new final instructions for employers who are preparing to file. This webinar will provide an overview of the reporting process, what we learned from the first round of reporting, and how employers should be tracking employees.

This webinar will:

  • Review the 2016 final reporting forms and instructions, highlighting new information as compared to the 2015 forms and instructions
  • Review the deadlines for employers to submit forms to the IRS and to employees, as well as the extension request process
  • Discuss reporting offers of COBRA coverage
  • Explain the difference in reporting requirements for small (less than 50 employees) and large (50 or more employees) employers, and self-funded versus fully insured
  • Review the changes to line 22 of Form 1094-C
  • Discuss the two measurement methods to determine which employees receive a 1095-C
  • Provide best practices on the monthly method and the measurement and lookback method

This 60-minute intermediate level webinar will help employers determine the best practices for reporting in 2017.

Presented by: Lorie Maring


Plan Documents: ERISA, Section 125, SPDs, and Wraps, Oh My!

Tuesday, November 1st | 1:00 p.m. CST

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Group health plans have a multitude of documents that need to be compliant with federal regulations. Cafeteria plans must have plan documents as well as documentation evidencing the adoption of the plan, and plans subject to ERISA need a plan document outlining the plan’s terms for a number of items, including eligibility, benefits, exclusions, a named fiduciary and plan administrator, claims and appeals procedures, funding information, and other items. These requirements are separate from the summary plan description (SPD), as well as Summary of Benefits and Coverage (SBC) requirement that plans must also meet.

This webinar will help employers understand what plan documents they need, what the documents should contain, and the implications of using a “wrap document” to wrap the ERISA plan document and SPD requirements into one document.

This webinar will:

  • Explain what a cafeteria plan document is, and what is required to be in the document
  • Outline the supporting documentation every cafeteria plan should have regarding its adoption
  • Discuss how cafeteria plan documents and documents required under ERISA are different, and cannot be combined into one document
  • Explain what a plan document is for ERISA purposes and what is required to be in the document
  • Explain the requirements for SPDs
  • Discuss how wrap documents are used, along with the pros and cons of using a wrap document
  • Discuss how wrap documents can be used to wrap ERISA requirements into a single benefit plan; or to combine multiple benefit plans together
  • Discuss an employer’s requirements when they update a plan, including Summary of Material Modification requirements
  • Provide best practices regarding retention of plan documents and other recordkeeping requirements

This 90-minute beginner to intermediate level webinar will help employers understand the plan document requirements for group health plans.

Presented by: Lorie Maring


The Government is Knocking: DOL Audits of Health & Welfare Plans

Tuesday, October 11th | 1:00 p.m. CST

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The Department of Labor (DOL) continues to audit health and welfare benefit plans of all sizes in record numbers. Being prepared for an audit is critical to an employer’s success during the audit process.

This webinar will:

  • Discuss what triggers a DOL audit
  • Provide general first steps for employers to consider if they receive an audit letter from the DOL
  • Discuss what the DOL is looking for during an audit, for both fully insured and self-funded plans
  • Discuss ssues the DOL is looking for under the ACA, HIPAA, GINA, mental health parity, the Newborns’ and Mothers’ Health Protection Act, and the Women’s Health and Cancer Rights Act
  • Provide information on the general timeline of a DOL audit
  • Provide tips to prepare for an audit of a health and welfare plan

This 60-minute basic webinar will help employers understand what the DOL is looking for during the audit process and how to be prepared.

Presented by: Lorie Maring


The ACA’s Newest Nondiscrimination Rules and How They Apply to Group Health Plans

Tuesday, September 13th | 1:00 p.m. CST

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The Patient Protection and Affordable Care Act (ACA) Section 1557 provides that individuals shall not be excluded from participation, denied the benefits of, or be subjected to discrimination under any health program or activity which receives federal financial assistance from the Department of Health and Human Services (HHS) on the basis of race, color, national origin, sex, age, or disability. The rules applies to any program administered by HHS or any health program or activity administered by an entity established under Title I of the ACA. These applicable entities are “covered entities” and include a broad array of providers, employers, and facilities. State-based Marketplaces are also covered entities, as are Federally-Facilitated Marketplaces. Regulations implementing Section 1557 have raised a number of questions for group health plans and their sponsors.

This webinar will:

  • Explain the background of Section 1557 and what it prohibits
  • Discuss which employer group health plans are affected
  • Outline when self-funded health plans are required to follow Section 1557
  • Discuss whether the new rule requires group health plans to cover sex reassignment surgey or medications
  • Discuss what “federal financial assistance” can mean
  • Describe how a self-funded health plan’s TPA could be obligated to report non-conforming health plans to the government
  • Discuss a health plan’s obligations in relation to the limited English proficiency rules
  • Provide tips for benefit plan design

This 60-minute basic webinar will help employers get up to date on the new FLSA rules that go into effect in December 2016.

Presented by: Lorie Maring


The EEOC’s New Wellness Regulations: Another Layer of Confusion

Tuesday, August 9th | 1:00 p.m. CST

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The EEOC recently issued two final rules governing how the Americans with Disabilities Act (ADA) and the Genetic Information Nondiscrimination Act (GINA) apply to employee wellness programs. Important differences between the treatment of wellness programs in the regulations issued by the EEOC and those issued by the Department of Labor (DOL) make the task of designing compliant wellness programs more complicated. This webinar will cover the new regulations, including heightened scrutiny around wellness programs that involve health risk assessments or biomedical screenings.

This webinar will:

  • Explain the EEOC’s final wellness regulations
  • Explain the differences between the EEOC’s new wellness rules and those issued under ERISA, and what this means for employers
  • Discuss the heightened scrutiny over wellness programs that involve biomedical screenings or health risk assessments
  • Discuss the impact of regulations that only allow employers to obtain results of health risk assessments or biomedical screenings on an aggregate level
  • Discuss the EEOC’s view of the ADA “safe harbor” language
  • Provide tips for 2017 benefit plan design

This 60-minute basic webinar will help employers get up to date on the EEOC’s new wellness regulations.

Presented by: Lorie Maring


 

What Employers Need to Know About the Fair Labor Standards Act New Overtime Exemption Rule

Tuesday, July 12th | 1:00 p.m. CST

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After a long wait, the Department of Labor (DOL) released revisions to the white collar overtime exemption rules in the Fair Labor Standards Act (FLSA). Non-exempt, or “overtime eligible,” workers in the United States are entitled to time-and-a-half pay for their hours worked after 40 hours in a week. The webinar will focus on the new standards for the “white collar” or “EAP” exemption that covers executive, administrative, professional, outside sales, and computer employees.

This webinar will:

  • Review the FLSA overtime rules generally, and the employers (or enterprises) that they apply to
  • Provide a brief overview of job-specific exemptions, such as switchboard operators
  • Discuss the long-standing white collar or EAP exemption salary threshold, and how it will change in December 2016
  • Provide insight on how the salary threshold is calculated, both in terms of the timing of paychecks, as well as the inclusion of commission or bonuses
  • Discuss factors outside of the salary threshold that must also be considered when determining if an employee is exempt or not
  • Discuss the duties tests that are looked at in addition to salary thresholds
  • Provide best practices on reviewing current employee roles
  • Discuss the potential conflict between the Affordable Care Act’s rate of pay safe harbor for affordability (for applicable large employers) for employees who are moved from salary to hourly as the result of the new rules

This 60-minute basic webinar will help employers get up to date on the new FLSA rules that go into effect in December 2016.

Presented by: Jennifer Sandberg


 

The ACA: A Never-Ending Story

Tuesday, June 14th | 1:00 p.m. CST

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The Affordable Care Act (ACA) has placed numerous obligations and responsibilities on applicable large employers (ALEs) and employers who sponsor group health plans. Many requirements and regulations have been recently released or updated since March 2010, and it can be difficult to stay on top of the many moving pieces of ACA compliance.

This webinar will:

  • Briefly review the Patient-Centered Outcomes Research Institute (PCORI) fee, when it is due, and how much is owed
  • Give an overview of the Transitional Reinsurance fee (TRF), when it is due, and how much is owed
  • Provide best practices on what to do when an employer discovers it missed a PCORI or TRF payment
  • Discuss the process for correcting 1095-C and 1095-B forms that were issued to employees
  • Discuss the process for correcting 1095-C, 1094-C, 1095-B, and 1094-B forms that were issued to the IRS
  • Discuss the annual limits on contributions for individuals and families with high deductible health plans, as well as the annual limits on out-of-pocket expenses
  • Discuss how the self-only limitation applies to individuals with both individual and family coverage, regardless of whether they are enrolled in a high deductible health plan or not
  • Provide the indexed amounts for affordability and penalties under employer shared responsibility provisions

This 60-minute basic webinar will help employers get up to date on many of the components of the ACA that have recently been released or updated.

Presented by: Lorie Maring


 

Top 10 401 (k) Plan Mistakes and Advisor Opportunities

Tuesday, March 22nd | 1:00 p.m. CST

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This presentation is intended to highlight common concerns in 401(k) plans and address how to avoid them as well as how to identify and correct them. We will look at problems with following Internal Revenue Code rules, problems that arise under ERISA’s fiduciary or prohibited transaction rules and general issues that may have cause for concern under both IRC and DOL rules.

Attendees will learn about:

Tax Code Violations

  • Inconsistency between plan document and plan operations
  • Omitting eligible employees
  • Using the wrong definition of compensation
  • Errors with plan loans

ERISA/DOL Violations

  • Selection and monitoring of service providers
  • Identifying and managing fiduciaries
  • Late deposit of salary deferral contributions
  • Failure to follow written plan guidelines

General Violations

  • Missed delivery of participant notices
  • Failure to conduct a comprehensive annual plan audit

This webinar has been submitted for 1.5 re-certification credit hours from the Human Resource Certification Institute.

Presented by:

Scott Barnett | Regional Vice President, Midwest Region for Empower Retirement

Joan McDonagh | Senior Director, Legislative and Regulatory Affairs for Empower Retirement


 

Plan Documents 101: Who Needs What and Best Practices

Tuesday, March 8th | 1:00 p.m. CT

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Group health plans have a multitude of documents they need to be compliant with federal regulations. Cafeteria plans must have plan documents as well as documentation evidencing the adoption of the plan, and plans subject to ERISA need a plan document outlining the plan’s terms for a number of items including eligibility, benefits, exclusions, a named fiduciary and plan administrator, claims and appeals procedures, funding information, and other items. These requirements are separate from the summary plan description, or SPD requirement, that plans must also meet.

This webinar will help employers understand what plan documents they need, what the documents should contain, and the implications of using a “wrap document” to wrap ERISA plan document and SPD requirements into one document.

This webinar will:

Explain what a cafeteria plan document is, and what is required to be in the document
Outline the supporting documentation every cafeteria plan should have regarding its adoption
Explain what a plan document is for ERISA purposes and what is required to be in the document
Explain the requirements for SPDs
Discuss how wrap documents are used along with the pros and cons of using a wrap document
Provide best practices regarding regular review and updating of plan documents
Discuss an employer’s requirements when they update a plan, including Summary of Material Modification requirements
Provide best practices regarding retention of plan documents and other record keeping requirements
And MORE!

 

This 90-minute beginner to intermediate level webinar will help employers understand the plan document requirements for group health plans.

Presented by:

Monique Warren | Principal at Jackson Lewis P.C.


Controlled Groups & Affiliated Service Groups: What Employers Need to Know

Tuesday, February 9th | 1:00 p.m. CT

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Controlled group and affiliated service group aggregation rules require certain related businesses to consider all of the employees across the businesses together in relation to some benefit plan administration. Controlled group rules can impact an employer’s headcount dramatically, but not all federal reporting requirements and regulations take aggregation into account. This webinar will help employers understand when to undergo controlled group or affiliated service group analysis, and when the aggregated headcounts are used.

During this webinar, we:

Explain what controlled groups and affiliated service groups are, including the differences between parent-child groups, brother-sister groups, A-orgs, and B-orgs
The impact of family, trusts, and estate relationships on controlled groups
Discuss the impact an aggregated headcount has on employer shared responsibility and related reporting under the Patient Protection and Affordable Care Act (ACA)
Explain how aggregated headcounts impact COBRA and FMLA obligations
Discuss the impact a controlled group headcount has for 401(k) purposes
Discuss the impact of being a controlled or affiliated service group on non-discrimination testing for cafeteria plans
Provide best practices on undergoing analysis to determine if an employer is a controlled group, and documenting the results of the analysis
Explain instances where aggregated headcounts are ignored, such as for W-2 reporting of the cost of health care coverage

This 90-minute beginner to intermediate level webinar will help employers understand the rules regarding aggregated groups, and how it can impact benefit plans.


The Family and Medical Leave Act: Legal Considerations for Employers

Tuesday, January 19th | 1:00 p.m. CT

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This continuing education presentation about the Family and Medical Leave Act (FMLA) will focus on legal considerations for employers and
the risk of non-compliance. The FMLA entitles eligible employees of covered employers to take unpaid, job-protected leave for specified family and medical reasons with continuation of group health insurance coverage under the same terms and conditions as if the employee had not taken leave.

Attendees will learn about:

Administrative options and employer challenges with FMLA
The link between FMLA and short-term disability (STD) programs
Potential return on investment for administering and managing FMLA with STD in a single platform
A brief discussion about Americans with Disabilities Act (ADA) compliance

This 90-minute beginner to intermediate level webinar will help employers understand how to properly design and administer their plans to remain FMLA compliant.


 

Understanding FMLA in 2016: An Employer’s Basic Guide

Aired: January 12th

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The Family Medical Leave Act (FMLA) requires covered employers to permit eligible employees to take unpaid job-protected leave under certain circumstances. This can create a variety of questions as it relates to the employee’s benefits and FMLA’s interplay with the Patient Protection and Affordable Care Act (ACA).

This webinar will:

Discuss which employers are subject to FMLA and which employees are protected by FMLA
Discuss which group health plans are subject to FMLA
Discuss the FMLA medical certification process
Highlight the difference between paid and unpaid FMLA leave, and the substitution of paid leave for unpaid FMLA
Provide insight on how paid and unpaid FMLA leave impact an employee’s status as full-time or part-time under the ACA’s monthly measurement and look back methods used by applicable large employers
Provide best practices on recovering the employee’s portion of their health premium
Discuss the interplay of FMLA and COBRA
Provide best practices on FMLA disclosures in summary plan descriptions and the summary of benefits and coverage
Discuss how to handle FMLA when two employees are married
Provide best practices when employers who are not obligated to offer FMLA reference its protections in their employee handbooks or materials

This 90-minute beginner to intermediate level webinar will help employers understand how to properly design and administer their plans to remain FMLA compliant.


IRS Play or Pay Reporting: The Final Countdown

Aired: December 8th

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The Patient Protection and Affordable Care Act¹s (ACA) reporting requirements are rapidly approaching for employers with group health plans or with 50 or more full time or full time equivalent employees. During 2015 the IRS released a variety of FAQs, as well as draft and then final instructions for employers who are preparing to file. This webinar will provide an overview of all of the information reporting guidance and instructions. This webinar will:

Review the 2015 final reporting forms and instructions, highlighting new information as compared to the 2014 forms and instructions
Review the timing requirements for employers to submit forms to the IRS and to employees; as well as the new extension process
Discuss the appropriate methods and best practices for providing employees with the forms
Explain the difference in reporting requirements for small (less than 50) and large (50 or more) employers, and self-funded versus fully insured
Review line 22 of Form 1094-C and the four ³certifications of eligibility² and when they apply
Provide best practices on when employers merge
Discuss how an employer reports on HRA coverage and stand alone self-funded prescription drug coverage
Provide best practices for controlled groups, including how to report when multiple members of a controlled group cover employees on one self-funded plan

This 90-minute basic to intermediate webinar will help employers understand how to avoid triggering the excise tax, and how to pay it in the event a penalty is due.


The $36,000 Question: An In-Depth Review of the ACA’s $100 a Day Penalty

Aired: November 10th

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The Patient Protection and Affordable Care Act’s (ACA) requires employers and plan administrators to self-report a variety of failures to comply with group health plan requirements including many related to COBRA, HIPAA, Mental Health Parity, and comparable contributions for health savings accounts (HSAs). The excise tax is $100 a day, per affected individual. This webinar will:

Discuss the violations of federal law that would trigger the excise tax, including:
COBRA offers
Pediatric vaccine coverage
Special enrollment requirements
Provide coverage under the Mothers and Newborns Act
Mental health parity violations
Discuss the ACA violations that would trigger the excise tax, including:
Employer contributions to individual medical plans
Eligibility waiting periods in excess of 90 days
Preexisting medical condition exclusions
Failure to extend dependent eligibility coverage until age 26
Summary of benefits and coverage failures
Discuss the HSA comparable contribution rules, and how the tax is calculated when they are violated
Explain how to use IRS Form 8928, when it must be filed, and who will pay the excise tax
Describe the situations that would cause the excise tax to be paid by a third-party administrator or insurer
Provide best practices on filing Form 8928
Discuss the risks of not filing or paying the excise tax
Discuss the 30 day window for correcting failures and the “reasonable cause” exception, including the requirement to retroactively fix the failure

This 90-minute basic to intermediate webinar will help employers understand how to avoid triggering the excise tax, and how to pay it in the event a penalty is due.


Common Knowledge: Determining Who Is a Common Law Employee and Counting Them Under the Affordable Care Act

Aired: October 13th

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The Affordable Care Act (ACA) requires employers to determine who their common law employees are and include them in their headcount to determine their applicable large employer (ALE) status. Sometimes determining an employee’s status as a common law employee can be difficult. This webinar will discuss best practices for determining common law employee status and how employees determine if they are an ALE. This webinar will:

Explain what a common law employee is
Discuss best practices for determining if an employee is a common law employee, including union employees and seasonal workers
Provide information on who is specifically excluded as a common law employee, including independent contractors
Discuss the Department of Labor’s new guidance on independent contractor classification
Discuss leased employees, temporary agency employees, and professional employer organization arrangements
Discuss employees who are working overseas, foreign workers, and workers on visas
Provide information on the process for determining how many full time and full time equivalent employees an employer has
Discuss how veterans with veteran health care are counted in the total ALE headcount
The rules an ALE must follow when designing common law employee’s waiting period and/or orientation period

This 90-minute basic to intermediate webinar will help employers understand how to determine which employees are a common law employee; and how large they are.


In the Deep End: IRS Play or Pay Reporting for Difficult Employee Groups

Aired: September 8th

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The Patient Protection and Affordable Care Act’s (ACA) reporting for employers with 50 or more full time or full time equivalent employees in early 2016 is on the horizon. For some employers the reporting requirements and process is relatively straightforward, but some industries and employee groups are more difficult to report on. This webinar will help provide guidance for employers facing difficult reporting situations. This webinar will:

Explain the difference in reporting requirements for small (less than 50) and large (50 or more) employers, and self-funded versus fully insured
Provide best practices on reporting when an employer moves between self-funded and fully insured or vice versa
Provide best practices for employers with union employees
Discuss how to report coverage that is offered to employees who work less than 30 hours a week
Provide a basic overview of the IRS’ “Affordable Care Act Information Returns” process for employers who wish to or must file electronically and who are not utilizing a third party vendor
Provide information on how to handle employees who decline coverage or move in and out of eligibility

This 90-minute intermediate to expert level webinar will help employers determine the best practices for reporting in difficult situations or circumstances.


Just Married! What Employers Need to Know About the Obergefell Ruling & Same Sex Marriage

Aired: August 11th

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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 lawfully licensed and performed out of state. This ruling raises new questions about providing benefits to individuals who have a same-sex spouse, as well as preventing discrimination based on the sex of an individual’s spouse. This webinar will:

Explain the impact of Obergefell on group benefit plans
Discuss the difference regarding states that did not previously recognize same sex marriage and those that did
Differentiate between ERISA obligations and obligations under anti-discrimination regulations
Provide information on the difference between domestic partners and spouses
Discuss best practices for administering enrollment for individuals with same-sex spouses now; and in the future
Provide best practices for employers regarding same sex harassment prevention

This 90-minute basic webinar will help employers understand the impact of the decision in Obergefell on employee benefits and other employment issues.


At Your Service! The Service Contract Act and Employers

Aired: July 14th

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The Service Contract Act outlines operational requirements for service contracts, making compliance for government contractors (both sub and prime) confusing and complex. This webinar will discuss when the Service Contract Act applies to, who it covers, and how to remain in compliance. This webinar will:

Explain when the Service Contract Act applies
Help determine who the Service Contract Act covers
Executive orders that impact the Service Contract Act
Benefits under the Service Contract Act
How does health care reform impact Service Contract Act contractors

This 90-minute basic to intermediate webinar will help you determine when a penalty is owed and how to report non-compliance.


Penalties, Taxes, and Fines, Oh My!

Aired: June 9th

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The Affordable Care Act (ACA) introduced a variety of new penalties, fines, and taxes that employers are working hard to avoid paying. Two significant penalties include the excise tax, and penalties faced by applicable large employers that do not meet their employer-shared responsibility play or pay obligations. Finally, the implementation of the Cadillac tax is looming, and although the industry is awaiting further regulation and guidance, understanding the basics can help you in the future. This webinar will:

Explain the excise tax and what triggers them
Explain self-reporting requirements of the excise tax and what happens if you don’t
How to file IRS Form 8928
Explain the HSA comparable contribution rules and taxes for violations
Explain when the excise tax is not imposed
Best practices to remedy excise tax violations
Explain the employer shared responsibility penalties
How to calculate “A” penalties under play or pay
How to calculate “B” penalties under play or pay
Explain when the penalties will be due
Explain the Cadillac tax- what we know, and what we are waiting for
Best practices as the industry awaits Cadillac tax implementation

This 90-minute basic to intermediate webinar will help you determine when a penalty is owed and how to report non-compliance.


1-2-3, Let’s Count Employees!

Aired: May 5th

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As we move through 2015, do you know what employers will need to be reporting at year end or even which employees should be offered coverage? This webinar will discuss ACA’s Pay or Play mandate and how to count employees for purposes of reporting and offering coverage. Counting employees is no longer as simple as 1-2-3, so to make sure you know how to properly count the appropriate employees, this webinar will review such topics as:

Determine applicable large employer status
Explain which workers to count and how to count the worker for large employer status
How to count leased or staffing agency employees
Explain full-time versus part-time
How to handle new employees or employees whose hours change
Measurement and stability periods
Minimum value and affordability
Transition rules
Documentation of benefit-eligible employees and hours

Privacy Issues for Employers and Health Plan Sponsors

Aired: April 14th

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Breaches of health and other personal information continue to make headlines, and the regulatory agencies reportedly are preparing to conduct HIPAA audits. Employers continue to consider how best to use emerging technology, and how to limit their security and risks. Join us for this 90-minute intermediate level webinar to help you double-check your company’s privacy and security procedures. Topics include:

A refresher on HIPAA privacy and security requirements
Identifying and managing the risks involved in using social media
Best practices for monitoring employee devices, email and location
Managing vendors that maintain your data
How to avoid and manage data breaches
The role of the FTC

ACA Employer Reporting Requirements

Aired: March 10th

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Large and mid-size employers must provide reporting in early 2016 about the health coverage they offered to employees during 2015. In addition, sponsors of self-funded plans of all sizes must report on coverage. The IRS has now released the reporting forms – employers will need detailed data to complete the forms and should be working now to make sure that they or their vendors are collecting the required information and that they will be able to access the data when they need it.

Join us for this intermediate level, 90 minute webinar to learn which IRS forms (1094 or 1095) will be used in which situations, what information must be reported, how codes will be used to report details and how the transition rules will affect the 2015 filings.


Getting the Most out of Your Vision Benefit

Aired: March 5th

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Interested in learning more about maximizing your vision benefit? Join VSP® and UBA for a live, interactive webcast as we explore why vision care is important and how high enrollment in a vision plan can be key to helping you improve employee satisfaction and productivity.


Legal Requirements of Voluntary Insurance Programs

Aired: February 10th

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Many employers offer voluntary insurance products to their employees. As employee benefits, these programs may need to meet the requirements of a number of laws, including ERISA and the Affordable Care Act (ACA). Join us for this 75 minute intermediate level webinar to explore:

The benefits of these programs to employers and employees
When ERISA applies and how to fall within an available safe harbor
When ACA applies to voluntary benefits
How and when reporting requirements and fees apply to these benefits
How COBRA, HIPAA, FMLA and state laws apply to voluntary benefits

Should Benefit Communication go Mobile? 3 Reasons the Answer is YES!

Aired: January 15th

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Today more than 4 billion (out of 6.8 billion) people own a mobile phone. This includes people across all socio-economic classes around the world. They have become part of everyday life. In fact, statistics have shown that, on average, people check their phones more than 150 times each day! Since this technology is here to stay, how can you incorporate it into your employee communication strategy?

Join the conversation as we explore trends in smartphone usage, new opportunities to reach mobile users, and how you can create an effective strategy to reach your employees and dependents while engaging them in a new and innovative way!


Washington Outlook

Aired:  January 13th

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The elections are over and the balance of power has shifted in Washington, D.C. Will there be significant changes, or will things just continue as usual? Significant parts of the Affordable Care Act (ACA ) have been implemented, but major additional requirements are scheduled to take effect over the next few years. The Republicans have vowed to repeal all or part of the law, and have even filed their own lawsuit over it, but what parts of the law have the greatest possibility of actually changing?

Meanwhile, the Supreme Court has agreed to hear another case that could significantly affect applicability of the law. At issue is whether premium tax credits are only permitted in states that are running their own exchange – a significant issue since only one-third of the states are running their own exchanges. While no one knows what the Supreme Court will decide, how could this affect businesses and individuals?

Join us for this 75-minute webinar as Jessica Waltman, Senior Vice President, Government Affairs of the National Association of Health Underwriters, discusses what is happening in Washington, D.C., the possibility of changes, some of the reasons behind the legislative and regulatory agendas, and what employers can expect over the coming months. As a result of her position, Jessica Waltman has a unique perspective on what is happening, and may happen, in Congress, with the regulatory agencies and at the Supreme Court.


 

Employee Handbooks – Do’s and Don’ts

Aired:  December 9th

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An employee handbook can be a great tool to orient new employees and to communicate key policies to both new and current employees. A good handbook will help to establish consistent practices, offer guidance to employees and managers and provide the employer with significant help against labor and employment litigation. A poorly written or out-of-date handbook can hurt more than it helps, though. Join us for this 75-minute intermediate level webinar to learn:

Why every company should have an employee handbook
How to develop an effective employee handbook
What policies should you include in your handbook
What you should leave out of your handbook
The proper language to use to keep you out of trouble
Best practices for communicating and distributing your handbook
How to communicate your policies
When and how to revise policies

 The FMLA Freight Train: How To Stay Ahead Of It

Aired: October 27th

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Managing various types of employee leaves can create a large administrative burden, and can disrupt your business. Employers are increasingly faced with leave laws which are growing more complex, and where mistakes can be costly. Join our webinar to learn about best practices for FMLA compliance. The webinars will focus on the following:

Why FMLA is the next “freight train” in the benefits world
Managing leave and duration in conjunction with the law
Return-to-work within FMLA
Best practices for design and implementation of FMLA procedures

 Wellness Programs and Health Care Reform

Aired: October 14th

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Employers are increasingly turning to wellness programs as a way to control health care costs and improve employee engagement and productivity. However, a number of laws dictate what employers may, must, and may not do when designing and implementing these programs. Regulations issued last year have only added to the complexity. Employers offering or considering a wellness program need to understand the rules. In this 90-minute intermediate level webinar we will discuss:

The types of wellness programs that must follow the HIPAA nondiscrimination rules
The different kinds of health-contingent programs
Limits on allowable wellness incentives and penalties, and how to calculate them/li>
Reasonable alternative requirements, and ways to satisfy them
Whether you can have smoker and non-smoker rates without a formal wellness program
How GINA and the ADA affect wellness programs
Taxation of wellness incentives

This webinar will focus on group health plan issues, but will also touch upon some of the additional issues that fiduciaries of retirement plans need to consider. As Department of Labor audits of benefit plans become more commonplace, this is a must-see webinar for anyone tasked with overseeing employee benefits.


Fiduciary Responsibilities Under ERISA

Aired: September 16th

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The Employee Retirement Income Security Act (ERISA) lays out the definition and responsibilities of fiduciaries. Individuals who oversee employee benefit plans need to understand these requirements. In this 75-minute intermediate level webinar we will cover:

How a person becomes a fiduciary
The duties of a fiduciary (selecting and monitoring service providers, making sure contributions are made on time, providing required disclosures to plan participants, etc.)
The importance of creating and following procedures
The critical need to read and follow the plan
Potential consequences of mismanaging fiduciary responsibilities
Ways to manage fiduciary duties and risks
Recent developments with fiduciary obligations

This webinar will focus on group health plan issues, but will also touch upon some of the additional issues that fiduciaries of retirement plans need to consider. As Department of Labor audits of benefit plans become more commonplace, this is a must-see webinar for anyone tasked with overseeing employee benefits.


Plan for 2015 – Open Enrollment and Other PPACA Issues

Aired: August 12th

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The Patient Protection and Affordable Care Act (PPACA) continues to phase in. Many plan design requirements took effect in 2014, for both large and small plans. This next year will bring employer-shared responsibility (“play or pay”) requirements for larger employers. PPACA has also affected the notices employers need to give as part of the open enrollment process and it impacts COBRA. To help plan sponsors understand their options and obligations, this 90-minute intermediate level webinar will cover:

A review of the 2014 plan design requirements, including the eligibility waiting period rules
How group health plans and the Marketplace handle special enrollment and Section 125 change in status events
Upcoming fees
The health plan identifier requirement
Notices that should be included in your open enrollment packet – and those that are no longer needed
A refresher on Summary of Benefits and Coverage requirements, including the transition and distribution rules
A review of the common law employee definition
A reminder of how to count workers correctly – and why it matters
Recent developments, and what is in the regulatory pipeline

Understanding Wage & Hour Laws

Aired: July 8th

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In recent years, employers have paid millions of dollars in back pay to workers who have been classified incorrectly or paid for fewer hours than they should have been. Both federal and state laws apply to employers, and some of the requirements are complicated. This 90 minute intermediate level webinar is designed to help you stay on top of your obligations under the Federal Labor Standards Act (FLSA).

This webinar will cover:

Which workers these laws apply to
Which employees are entitled to overtime, and proposed changes in those rules
Issues related to mobile devices
Calculating overtime
Managing unauthorized overtime
Minimum wage issues, especially for employers with employees in multiple states
Meal and rest periods

ERISA: Basics and in Context

Aired: June 10th

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We thought we’d take a break from PPACA, and get back to basics – ERISA basics, that is. Topics discussed include:

Overview of ERISA’s regulatory environment
Reporting and disclosure provisions, including basic rules for SPDs and wrap documents
Which plans are covered by ERISA, including voluntary benefits
ERISA preemption

Retirement Plan Fees – Are you getting the best deal?

Aired: May 27th 

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Are you getting the best deal for your retirement plan? Recent legislation has put a bigger focus on the fiduciary requirement to understand and evaluate your plan’s fees. Join RPAG for a free online webinar and learn a best-practices approach to negotiating fees for long-term success.
What you will learn:

What are the key drivers of total plan cost?
What role does revenue sharing play?
Are you getting the best deal possible?

Form 5500 Filing Requirements

Aired: May 13th
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Most employee benefit plans are required to file a Form 5500 annually, and penalties for not meeting this obligation can be costly. During this 90-minute basic-to-intermediate level webinar we will discuss:

Which plans must file the Form 5500, and which plans are exempt because of size, plan sponsor or funding status
Rules and options for combining plan benefits into one or several filings
Filing due dates and extensions
The basics of completing the main form and the schedules group plans commonly need
Filing electronically
Penalties and the delinquent filer program
Areas of DOL and IRS emphasis in examining the Form 5500
Areas of the Form 5500 that increase audit exposure/strategies to reduce risk
Frequent errors in preparation of the Form 5500

Counting Employees under Health Care Reform (Part 1)

Aired: March 11th, 2014

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The IRS has issued the final employer shared responsibility (“play or pay”) regulations and employers promptly need to determine if they are large enough for the requirements to apply to them. The employer’s size also determines when any penalties will start to apply. Employers need to be up-to-date on which workers must be counted and which of an employee’s hours must be considered. Employers also need to understand how full-time and part-time employees are counted and how related companies affect the employee count.

In this 90-minute webinar, we will help you understand how to determine your status under the new rules, and how the transition rules may help you. If you have 50 employees, or think you might, you won’t want to miss this informative, intermediate-level webinar.