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Fringe Benefit Analysts® is a full-service insurance, consulting and employee benefits firm. We serve a wide range of businesses with best-in-class expertise, services and support for their benefit programs. Our clients are assured of accurate, consistent solutions, attention to detail, responsiveness and a high return-on-value for their benefits dollars. Fringe Benefits Analysts helps ‘calm the waters’ of the complex and sometimes overwhelming world of insurance benefits. Please enjoy our blog!

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

August 10 | 2016
By: Nancy Bourque
HR Practice Leader at United Benefit Advisors

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 […]

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ALE Employers Ask: Should Benefits Be Offered to Variable Hour Employees?

July 18 | 2016
By: Danielle Capilla
Chief Compliance Officer at United Benefit Advisors

UBA’s compliance team leverages the collective expertise of its independent partner firms to advise 36,000 employers and their 5 million employees. Lately, a common question from employers is: How does an applicable large employer (ALE) determine whether or not a newly hired variable hour employee should be offered benefits? The answer depends on how the […]

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IRS Reporting: Now What?

June 29 | 2016
By: Danielle Capilla
Chief Compliance Officer at United Benefit Advisors

Applicable large employers and self-funded employers of all sizes have now completed the first round of required IRS reporting under the Patient Protection and Affordable Care Act (ACA). The ACA requires individuals to have health insurance, while applicable large employers (ALEs) are required to offer health insurance benefits to their full-time employees. In order for […]

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Enrollment Deadlines Are NOT Just Guidelines

June 24 | 2016
By: Nathan Shumate
Account Coordinator

Due to increased federal oversight, health insurance carriers currently have a lot less “wiggle room” than in the past to enroll employees beyond their official new hire enrollment periods. Local and national carriers frequently find themselves audited by one of several federal and state agencies to ensure that the carriers are consistently applying policies regarding […]

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OSHA’s Final Rule on Electronic Tracking of Workplace Injuries and Illnesses

June 20 | 2016
By: Nancy Bourque
HR Practice Leader at United Benefit Advisors

Beginning in 2017, certain employers with as few as 20 employees at a single site will be required to electronically file information about employee injuries and accidents that occurred in the prior year. This means that, for many employers, injuries and illnesses occurring in 2016 will be subject to this change. Employers of as few […]

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What Employers Need to Know about the IRS-SSA-CMS Data Match Program

June 16 | 2016
By: Danielle Capilla
Chief Compliance Officer at United Benefit Advisors

Beginning in early 2016, many employers received letters from the IRS-SSA-CMS Data Match program. These letters are addressed to the employer and begin by stating that “Medicare needs your cooperation.” Employers are directed to report information on the IRS/SSA/CMS Data Match Secure Web Site (https://www.cob.cms.hhs.gov/DataMatch/). The data being requested is often extensive, and can cover […]

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Nondiscrimination Regulations Relating to Sex, Gender, Age and More Finalized

June 7 | 2016
By: Danielle Capilla
Chief Compliance Officer at United Benefit Advisors

The Department of Health and Human Services (HHS) recently issued a final rule implementing Section 1557 of the Patient Protection and Affordable Care Act (ACA), which will take effect on July 18, 2016. If entities need to make changes to health insurance or group health plan benefit design as a result of this final rule […]

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Overtime Exemption Rules Arrive

June 1 | 2016
By: Danielle Capilla
Chief Compliance Officer at United Benefit Advisors

After a long wait, the Department of Labor (DOL) has released the revisions to the white collar overtime exemption rules in the Fair Labor Standards Act. The new rule becomes effective on December 1, 2016. Generally speaking, the Fair Labor Standards Act applies to employees of “enterprises.” Enterprises are: 1. A federal, state, or local […]

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DOL Issues 31st FAQ on ACA Implementation

May 26 | 2016
Chief Compliance Officer at United Benefit Advisors

The U.S. Department of Labor (DOL) has issued its 31st FAQ on the implementation of the Patient Protection and Affordable Care Act (ACA), dedicated to coverage of preventive services, rescissions of coverage, out-of-network emergency services, clinical trial coverage, cost-sharing limitations, the Mental Health Parity Act, and the Women’s Health and Cancer Rights Act. Some highlights […]

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Employer Liability Under Health Care Sharing Ministries Plan

May 20 | 2016
By: Scott E. Deru RHU, REBC
President of Fringe Benefit Analysts, LLC.

Under the Affordable Care Act (ACA), members belonging to a certain number of organizations known as Health Care Sharing Ministries – sometimes called Christian Health Plans or Christian Ministries Plan were granted an exemption from the personal tax penalty (up to 2.5% of one’s household income in 2016 and beyond) for not having a qualified […]

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