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!

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 ( 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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Employers Ask: What Prevents Me from Reimbursing Individual Health Insurance Policies?

May 17 | 2016
Chief Compliance Officer at United Benefit Advisors

In serving 36,000 employers and 5 million employees, our UBA Partners get this question frequently: What federal guidance prohibits employers from reimbursing individual health insurance policies? Answer: The IRS has issued extensive guidance prohibiting employers from reimbursing individual health insurance policies on an individual basis. It issued two notices in 2015 that addressed this issue. […]

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Why are Utah Health Insurance Rates on the Rise?

May 11 | 2016
By: Ernie Sweat CEBS
Fringe Benefit Analysts Senior Consultant

In July of 2016, Utah will be seeing small group rates from some of the largest Utah health insurance carriers increasing 20% or more. Rates are just now being filed for 2017 and the indicators are not pretty. We are expecting to see an additional double digit increase in small group Utah health insurance plans, […]

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

May 3 | 2016
In-house Counsel & Compliance Officer for iaCONSULTING, a UBA Partner Firm

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 coverage obsolete. Rather, COBRA is still going strong. And while the general rule of COBRA coverage is […]

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