United Benefit Advisors Insight and Analysis Blog

What is Essential? The Madness of Maintaining Job Descriptions Under the DOL

Posted by: Nancy Bourque    Aug 9, 2016 10:30:00 AM

Your new position just got approved and, finally, that mission-critical headcount addition is green-lighted. Celebration ensues until the actual work of finding the ideal candidate begins. The first step is to get a job description. In some cases, a perfectly vetted position analysis and description may exist, one that captures the particulars and purpose of the job. For those not fortunate enough to have a compensation professional providing such information, the search to find the right words to describe the work begins. So launches the journey of a thousand words cut-and-pasted from Indeed.com.

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Topics: employment law, Department of Labor, Nancy Bourque, position descriptions, job descriptions

What the DOL Wants During an Audit

Posted by: Bill Olson    Apr 21, 2016 10:00:00 AM

UBA Department of Labor Audit white paperNo two Department of Labor (DOL) audits are the same, yet there are typical questions asked and documents requested. See our recent blog on the Seven Common Mistakes That Could Trigger a DOL Audit. If you are audited, it’s recommended that questions received be sorted and color-coded based on what the question references (for example, third-party administrator, client answered, etc.). In addition, keep a log of each request and the document(s) provided in response to that request. A separate file folder for each request will help organize that task. Luckily, the DOL seems to be very receptive to an organization’s preparedness. It certainly makes the auditor’s job easier when a company has everything already in place and doesn’t require time to gather it all.

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Topics: Department of Labor, health plan compliance, Don't Roll the Dice on Department of Labor Audits, compliance documents, DOL audit

Seven Common Mistakes That Could Trigger a DOL Audit

Posted by: Bill Olson    Apr 19, 2016 10:00:00 AM

UBA Department of Labor Audit white paperNot many things incite more fear than receiving a notice that you’re about to have an audit, especially from the Department of Labor (DOL). The DOL is a cabinet-level department of the U.S. federal government responsible for occupational safety, wage and hour standards, unemployment insurance benefits, re-employment services, and some economic statistics. It is headed by the U.S. Secretary of Labor.

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Topics: Department of Labor, Don't Roll the Dice on Department of Labor Audits, DOL audit, UBA white paper

Don't Neglect Written Policies and Procedures

Posted by: Elizabeth Kay    Apr 14, 2016 10:00:00 AM

UBA Department of Labor Audits white paperI have worked with my fair share of companies, both large and small, from companies that are just starting out to those that have been well established for 30 or more years. It has been my experience that most companies, no matter how long they have been in business, don’t establish written policies and procedures until they have more than 30 employees.

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Topics: employee benefits, Department of Labor, Don't Roll the Dice on Department of Labor Audits, HR policies and procedures, human resources policy

DOL Issues Guidance on Classification of Independent Contractors

Posted by: Danielle Capilla    Sep 1, 2015 1:14:00 PM

Employee or independent contractorThe Department of Labor (DOL) has issued an “Administrator’s Interpretation” to assist employers in determining if a worker is an employee or an independent contractor. The DOL has determined that many employers are incorrectly classifying employees as independent contractors, which can harm the worker and open the employer up to various liabilities.

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Topics: ACA, independent contractors, Department of Labor, Affordable Care Act, employee vs independent contractor, FLSA, Fair Labor Standards Act

Preparing for a DOL Audit with a Mock Interview

Posted by: Bill Olson    Jun 23, 2015 12:00:00 PM

As the likelihood of an audit from the U.S. Department of Labor increases, every organization should be prepared so that this potential disaster can be handled with confidence. Conducting a mock audit can be key part of your prevention and preparation strategy.

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Topics: DOL, Department of Labor, white papers, Josie Martinez, Michael Cramer, Audit, Don't Roll the Dice on Department of Labor Audits, Deanna Johnson, Beneflex Insurance Services, EBS Capstone, mock audit

So you’re being audited by the DOL. Are you ready?

Posted by: Bill Olson    Jun 11, 2015 12:00:00 PM

Are you ready?As our recent press release addressed, DOL audits are on the rise. Not many things incite more fear than receiving a notice that you’re about to have an audit, especially from the DOL. The Department of Labor (DOL) is a cabinet-level department of the U.S. federal government responsible for occupational safety, wage and hour standards, unemployment insurance benefits, re-employment services, and some economic statistics. It is headed by the U.S. Secretary of Labor.

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Topics: Department of Labor, white papers, LHD Benefit Advisors, Jeff Hadden, Michael Cramer, Audit, Don't Roll the Dice on Department of Labor Audits, Deanna Johnson, Beneflex Insurance Services, Benefit Insurance Marketing

Preventive Service Requirement FAQ

Posted by: Danielle Capilla    Jun 4, 2015 12:00:00 PM

Preventive CareOn May 11, 2015, the Department of Labor (DOL) along with other federal agencies issued an FAQ regarding the implementation of the Patient Protection and Affordable Care Act (PPACA) that focused on coverage of preventive services. Non-grandfathered group health plans and health insurance offered in the individual or group markets must provide certain listed benefits with no cost-sharing to the beneficiary. The FAQ provided information on some commonly confusing or ambiguous requirements.

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Topics: PPACA Affordable Care Act, contraception, Department of Labor, anesthesia, preventive services, well-woman care, colonoscopy, Danielle Capilla, BRCA testing, preventive screening

It’s Not a Matter of “If,” But “When” You Get Audited By the U.S. Department of Labor

Posted by: Bill Olson    Jun 2, 2015 5:44:00 PM

Department of Labor AuditAs the saying goes, an ounce of prevention is worth a pound of cure, and that’s definitely the case when it comes to a health plan audit by the U.S. Department of Labor (DOL). And prevention is certainly warranted, according to Jeff Hadden, Partner at LHD Benefit Advisors (a UBA Partner Firm), because it’s not a matter of “if” you’re getting audited, but “when” you get a letter from the DOL that your company is being audited.

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Topics: DOL, Department of Labor, white papers, Jeff Hadden, Michael Cramer, Audit

Reference-Based Pricing and Cost-Sharing Limits

Posted by: Linda Rowings    Nov 11, 2014 10:19:00 AM

The Department of Labor (DOL), the IRS, and the Department of Health and Human Services (HHS) have jointly issued a FAQ that addresses how "reference-based pricing" works with the Patient Protection and Affordable Care Act's (PPACA) restrictions on out-of-pocket maximums. PPACA limits the out-of-pocket maximum a non-grandfathered plan may impose, and generally requires that co-pays, coinsurance, and deductibles be counted toward this limit. However, premiums, balance billed amounts for non-network providers, and non-covered services do not need to be applied to the out-of-pocket limit. (For 2015, the limits are $6,600 per individual or $13,200 per family.) The new FAQ explains how the out-of-pocket limit applies to plans that use reference-based pricing--i.e., a design under which the plan pays a fixed amount for a particular procedure (such as a knee replacement), which certain providers have agreed to accept as full payment.

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Topics: Linda Rowings, IRS, HHS, DOL, Reference-Based, Pricing, Cost-Sharing, Limits, Department of Labor, Department of Health and Human Services