United Benefit Advisors Insight and Analysis Blog

As Dragnet's Joe Friday Would Say, "Just the Facts, Ma'am." Get the Facts on COBRA Coverage – Who, When and How Long?

Posted by: Jennifer Stanley    May 3, 2016 10:00:00 AM

As we mentioned in the first edition of this mini-series on the Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), “marketplaces” or “exchanges” created by the Patient Protection and Affordable Care Act (ACA) did not make COBRA obsolete. Rather, COBRA is still going strong. And while the general rule of COBRA is not necessarily that difficult to understand, the timeframes, notice requirements, intricacies, and the ways in which COBRA interacts with other laws presents employers with potentially extremely expensive outcomes.

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Topics: COBRA, Jennifer Kupper, iaCONSULTING, covered employee, benefit eligibility, qualifying event

ACA’S ALE AIR – A Case for Outsourcing

Posted by: Jennifer Stanley    Jul 28, 2015 12:00:00 PM

The Affordable Care Act's Employer-Shared Responsibility (ESR), otherwise known as Play or Pay, is here! Not only are employers struggling to apply the once-abstract-but-now-actual complex and convoluted rules and regulations, employers are facing yet another hurdle – Affordable Care Act (ACA) Information Returns (AIR).

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Topics: ACA, Jennifer Kupper, iaCONSULTING, Play or Pay, employer-shared responsibility reporting, Affordable Care Act, Affordable Care Act Information Returns

Wellness Programs Feeling the Heat as the EEOC Increases Its Efforts - Part 2, Federal Regulations

Posted by: Jennifer Stanley    Dec 30, 2014 1:00:00 PM

As mentioned in the first posting, wellness programs must be analyzed under a myriad of laws and regulations. This post will discuss generally the wellness program landscape in light of the Americans with Disabilities Act (ADA)/Americans with Disabilities Act Amendments Act (ADAAA), the Genetic Information Non-Discrimination Act (GINA), the Patient Protection and Affordable Care Act (PPACA), and the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the Nondiscrimination Regulations. This is a 30,000-foot overview of laws and regulations that are in need of microscopic scrutiny when applying them to a wellness program.

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Topics: wellness, UBA, EEOC, Jennifer Kupper, iaCONSULTING, Part 2, Federal Regulations

Wellness Programs Feeling the Heat as the EEOC Increases Its Efforts - Part 1

Posted by: Jennifer Stanley    Dec 18, 2014 1:00:00 PM

While wellness programs have increased in popularity, according to the 2014 UBA Health Plan Survey, actual wellness program adoption has been in a holding pattern. As one might expect, the highest percentage (58.8%) of plans offering wellness benefits came from employers with 1,000 or more employees and the lowest percentage (8%) of plans offering wellness benefits came from employers with fewer than 25 employees. On average, wellness programs are down slightly by 1.3%. It’s no wonder given all the pending litigation and regulation surrounding these programs, including the fact that the health of an employee population is no longer a rating factor for smaller employers.

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Topics: wellness, health plan survey, UBA, EEOC, Jennifer Kupper, iaCONSULTING, 2014, Part 1