Comply on the Fly

S2-Ep16: End of COVID-19 National Emergency and the Impact on Employer-Sponsored Health Plans

It's not really a question per se, but you may be wondering about the end of the COVID National Emergency or public health emergency and how this will affect your group health plans.  
The President of the United States recently issued a "statement of administration policy" declaring the discontinuation to the COVID-19 national emergency. This episode of Comply on the Fly provides information on how this will impact employer-sponsored health plans.
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Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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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.

S2-Ep15: Opt-Out Arrangements

What is the difference between a conditional opt-out arrangement and an unconditional opt-out arrangement? 
Opt-out arrangements (historically called cash-in-lieu arrangements) provide a taxable cash payout if an employee waives employer-sponsored health insurance. This episode of Comply on the Fly covers both unconditional and conditional opt-out arrangements and the additional compliance obligations employers face surrounding them. 
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Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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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.

E2-Ep14: FMLA & Pre-Birth Absences

This week's episode features another client-direct FMLA question: "I have an employee who is pregnant and due in August. She is having complications with her pregnancy and missing work. I have sent her the FMLA paperwork, however, she has not returned any of it. She indicated that she's off due to being sick from the pregnancy and has brought in notes from her doctor taking her off of work. Can I designate FMLA even though she hasn't returned the paperwork? 
Employees sometimes mistakenly believe it is up to them to decide when FMLA applies and when it doesn't. It is really up to the employer to understand when a situation might be FMLA-qualifying and to get the process going. This episode of Comply on the Fly covers what employers need to know. 
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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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.

S2 Ep13: ACA and Controlled Group Acquisition

We had two companies with common ownership. However, in June 2022, one of the companies was sold off to a separate entity and therefore we are no longer part of a controlled group. As per the ACA requirements - Affordable Care Act requirements - we included both entities in determining whether or not we were over 50 full-time and full-time equivalents. Each entity separately now has 35 and 40 employees, respectively. What do we do for 2023? 
When a business moves between being a single entity or part of a controlled group within a calendar year, adhering to the ACA Shared Responsibility requirements can become complicated. This episode of Comply on the Fly covers what employers need to know. 
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
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.

S2-Ep12: HSAs for Dependents of Employees

Can a dependent of an employee open their own HSA or health savings account? 
Individuals who meet certain criteria and coverage conditions are eligible to establish and contribute to their own HSA (Health Savings Account). This episode of Comply on the Fly helps employer plan sponsors understand if and when a dependent of an employee may be eligible for their own HSA.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
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.

S2-Ep11: ACA-Temporary Employees

By policy, our limited term employees can only work 1,200 hours in a calendar year, which is less than the 30 hours per week, which is 1,560. If an LTE, meaning 'Limited Term Employee', begins work in the second half of the calendar year and then continues to work in the first half of the next year, are we required to offer insurance since they have worked more than 30 hours per week during the look back period? Please expand on seasonal versus temporary employment.
In this episode of Comply on the Fly Karen B. answers a client question around properly classifying employees for ACA reporting purposes. 
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Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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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.

S2 Ep10: FMLA - Intermittent Leave Tips

Are there any guidelines or best practices around how to identify possible intermittent FMLA situations or when supervisors should notify HR of a potential need?
Intermittent leave tends to be one of the most difficult things for employers to deal with in regards to FMLA. This episode of Comply on the Fly offers tips for identifying and managing intermittent FMLA leave.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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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.

S2 Ep 9: Special Enrollment vs. Section 125 Qualifying Events

What is the difference between special enrollment and Section 125 qualifying events?
Special enrollment quite often gets confused with Section 125 qualifying events. Karen B. outlines the difference for employers in this refresher episode of Comply on the Fly.
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Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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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.

S2 Ep8: Should I provide a 1095C in ACA Reporting?

I was wondering for an employee that starts in December and doesn't become benefit-eligible until January 1st, 2023, do I still need to create a 1095C for them showing a 1H/2D? 
In this Comply on the Fly Karen B. responds to this client question pertaining to ACA reporting pertaining to 1095Cs. If you also have questions on this, tune in to find answer. 
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
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.

S2-Ep7: 2022 ACA Reporting

As an employer, what do I need to know about the coding and forms around Affordable Care Act (ACA) reporting for 2022?
In this Comply on the Fly Karen B. responds to an influx of questions she is currently receiving as employers prepare to do their ACA reporting for 2022. Tune in to find answers to your questions on this topic. 
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
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.