Comply on the Fly

2025 FSA Limit and IRS Notices

Recent IRS updates have impacted 2025 contribution limits for flexible spending and transportation benefits. In this episode of Comply on the Fly, host Karen B breaks down these updates, new eligible expenses, and expanded preventive care options—all of which affect plan design and employee communications. Listen in to make informed decisions on plan adjustments, ensuring compliance and optimizing benefits for your employees.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. 
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.

NQTL Comp Analysis

In this episode of "Comply on the Fly," Karen B breaks down the critical topic of mental health parity and the comparative analysis requirement under the Mental Health Parity and Addiction Equity Act (MHPAEA). Learn how this regulation guarantees equal treatment for mental health benefits and what steps employers must take to remain compliant and avoid penalties. With new rules kicking in for 2025, tune in for the essential guidance you need to stay ahead.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. 
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.

2025 ACA Affordability Percentage

In this episode of Comply on the Fly, Karen B covers the newly released ACA affordability percentage for 2025, which has increased to 9.02%. Learn what this change means for large employers and how to ensure your health coverage remains affordable under the ACA’s shared responsibility provisions. Karen breaks down the key safe harbor methods—federal poverty level, rate of pay, and W-2 wages—making it easy to understand how to avoid penalties in 2025. Don’t miss this quick, insightful breakdown!
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. 
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.

Medicare Part D Disclosure

This episode of Comply on the Fly dives into an important, timely issue: Medicare Part D’s creditable coverage notices and the significant updates for employers this year. Karen B breaks down how to determine if your drug plan meets Medicare Part D standards and explains the compliance impacts of the 2022 Inflation Reduction Act. She also covers key deadlines, creditability assessment methods, and practical tips to ensure your Medicare-eligible employees receive the proper notices. Tune in for a clear guide to help you stay compliant this Medicare season.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. 
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.

Section 125 Plan Document

Dive into the essentials of Section 125 plans, also known as cafeteria plans, and why having a written plan document isn’t just a formality—it’s a must. COTF’s Karen B breaks down the key components employers need to include, from benefit options and participation guidelines to mid-year qualifying events. Understand the critical need to have the plan document in place before the new plan year begins, ensuring it stays IRS-compliant to safeguard those valuable tax advantages for both employers and employees. Whether you’re offering health premiums, flexible spending accounts, or dependent care programs, this episode equips you with everything you need to keep your Section 125 plan running smoothly.
 
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. 
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.

Open Enrollment Notices

In this episode of "Comply on the Fly," get up to speed on crucial open enrollment reminders as the season approaches for many organizations with calendar year plans. Dive into the must-include federal notices, such as the Summary of Benefits and Coverage (SBC) and HIPAA notices, that are essential for your enrollment materials. You'll also gain practical tips on how to effectively distribute these notices, whether electronically or by mail, to ensure full compliance. Tune in to keep your open enrollment process smooth, timely, and fully compliant.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.

COTF: ERISA 5500 Refresher

If you are a private sector employer, ERISA SPDs and the required 5500s are an important part of remaining compliant with your federal obligations and avoiding unnecessary fees. This refresher episode of Comply on the Fly covers the basics of ERISA 5500 compliance.

COBRA Basics

Dive into the essentials of COBRA on this episode of "Comply on the Fly." Whether you're a COBRA expert, deal with it occasionally, or are just curious, this episode covers everything you need to know about COBRA basics. From identifying qualifying events to understanding when COBRA should be offered, don’t miss out on this invaluable knowledge that will empower you to navigate COBRA like a pro. Tune in now for an informative and engaging episode that could make all the difference in your compliance journey!
Tune to M3 and Karen B for quick and timely answers to the most common employee benefits compliance questions.
 
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy. 

2025 HSA and HDHP Information

The IRS issued the limits for 2025 on HSAs and the associated HDHPs. Understand the new contribution limits and compliance requirements that will impact your healthcare planning. This latest episode of COTF breaks down the key changes, providing essential insights for employers and employees to maximize their benefits and ensure compliance with the latest regulations.

S3-Ep14: 2024 PCORI Fees

2024 PCORI fees. What are they and how do I pay them? 
It's the perfect time to discuss how and where to pay the PCORI Fees, which are due annually on July 31st. If you sponsor a self-funded health plan or an HRA integrated with a fully insured plan, tune in to this episode of Comply on the Fly to learn about your IRS payment obligations.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. 
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.