Comply on the Fly

S2-Ep6: ACA - Affordability Based on Rate of Pay

How do we ensure that an employee working seven and a half hours per day for 180 days per year and making $15 and 25 cents an hour is offered affordable coverage for both single and family coverage? 
In this Comply on the Fly Karen B. helps employers with 50 or more employees determine if their offers of coverage are affordable according to the ACA (Affordable Care Act) Shared Responsibility requirements.
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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-Ep5: When FMLA Leave Rolls into a New Calendar Year

I have a couple of people that will be using FMLA leave and won't go through it all before January 1st. Is there anything I need to do since we run FMLA on a calendar year basis? Or do I just keep tracking it?  
In this Comply on the Fly Karen B. answers a timely client question on if FMLA leave rolls over or resets with the change of the calendar year. Tune in to learn how to track and maintain proper paperwork around employee FMLA periods that extend into the new year.
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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-Ep4: Open vs. Special Enrollment

Our employee and the spouse are on the spouse's health plan. We, as the employer, have an open enrollment period for July 1 start date, and the spouse's employer has an open enrollment period for a January 1 start date. Our open enrollment period is over, but the spouse's open enrollment period is now open. Can the spouse drop all enrollments during their open enrollment, and can the family now jump onto our plan? 
In this Comply on the Fly Karen B. answers a client question on open vs. special enrollment periods. She covers how involuntary and voluntary loss of coverage impact eligibility under special enrollment differently. Tune in gain a better understanding of this complex coverage situation. 
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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-Ep3: ACA - Variable Hour & Full Time Employee Status

We hire many variable hour employees and we move them to full-time status when they work more than 30 hours per week. Is this correct? 
In this Comply on the Fly Karen B. addresses a client concern around proper classification of employees in regard to the Affordable Care Act Shared Responsibility rules. If you are an employer subject to these ACA rules, tune in to learn how to avoid penalties for non-compliance.
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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!
________________________________________________________________
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-Ep2: Benefit Documents & SPDs

Do we need an SPD for dental coverage as well as medical? 
In this Comply on the Fly Karen B. answers this client question, covering alignment of SPDs & benefit plan documents in medical, dental and self-funded plan scenarios. Tune in to learn how to keep the plan documentation for your unique situation compliant.
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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!
________________________________________________________________
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-Ep1: 1095Cs & Coverage Waivers

When I am completing my 1095Cs, do I need to enter a code on part II, line 16 when someone waives coverage?
Karen B. is back with Season 2 of Comply on the Fly! This episode covers how to properly fill out 1095c forms in regard to full time employees who waive your offers of coverage. Tune in to learn how to avoid errors that could result in an IRS penalty letter.
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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 is focused primarily 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.

Ep 52: HSAs - Can an Employee Contribute to the HSA of a Spouse?

Our employee is covered under his spouse's high deductible health plan at another employer. Our employee is not enrolled in our high deductible health plan. The employee's spouse has an HSA or Health Savings Account. The question is, can our employee contribute to the HSA of the spouse?
This final episode of Comply on the Fly, Season 1 covers three scenarios around an employee contributing to the HSA of the spouse - with three different answers. Tune in so you know how to respond if your employee comes to you with a similar question.Comply on the Fly will resume, with Season 2, on November 1st. 
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Turn to M3 and Karen B. (Breitnauer) 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.

Ep 51: FMLA - New Hire Leave for Birth/Adoption

Can a new employee take federal FMLA to bond with a child following birth or placement for adoption? 
Answers to FMLA eligibility questions such as this one are always very fact-specific. This episode of Comply on the Fly covers what you need to know to correctly determine FMLA leave for your employees' with growing families.
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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.

Ep 50: ACA Part-Time Employee Eligibility

I need help regarding eligibility for a part-time employee. The employee was hired in may of 2022. And for the past 10 weeks, he has worked 30 or more hours per week. We use the look back measurement method. Without a full year of data, should we be offering him benefit? 
The answer to this question requires a grasp of the ACA (Affordable Care Act) shared responsibility requirements, proper categorization of employees, and an understanding of initial and ongoing measurement periods. This episode of Comply on the Fly covers it all!
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Turn to M3 and Karen B. (Breitnauer) 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.

Ep 49: Medicare Part D Creditable & Non-Creditable Coverage Notices

What is the Medicare Part D creditable or non-creditable coverage notice, who do I need to provide it to, and how?
Get the answer to this question in just three and a half minutes in this episode of Comply on the Fly. The Medicare Part D Creditable or Non-Creditable Coverage notice must be provided prior to October 15th every year, the annual start of Medicare Part D open enrollment.
Turn to M3 and Karen B. (Breitnauer) 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.