Broker Compensation Disclosure - Covered Plans? Voluntary Critcal Illness, Vol. Cancer, Vol. Hospital Indemnity

[Scott A. Davis]

NAHU and others have stated ERISA Sectioin 733 (a) defines group health plan to include Dental and Vision for disclosure purposes.  Is anyone aware if the volunatary group products CI, Cancer, and HI in the title are also included in the defined covered plans?  Not purely list billed Individual CI, Cancer, HI plans.  So far no one has been able to answer this, but each covers medical care and are sold to Groups via payroll pre-tax reduction under Section 125 Plan, so they are included in ERISA Plan Documents.  Thanks in advance

[Scott A. Davis]

This is a CAA - Consolidated Appropriations Act due 12/27/2021, thanks for any assistance.

[Scott A. Davis]

Here is the answer per regulations: 29 U.S. Code § 1191b - Definitions

https://www.law.cornell.edu/uscode/text/29/1191b

(2)Benefits not subject to requirements if offered separately

(A)

Limited scope dental or vision benefits.

(B)

Benefits for long-term care, nursing home care, home health care, community-based care, or any combination thereof.

(C)

Such other similar, limited benefits as are specified in regulations.

(3)Benefits not subject to requirements if offered as independent, noncoordinated benefits

(A)

Coverage only for a specified disease or illness.

(B)

Hospital indemnity or other fixed indemnity insurance.

[Juan Kelly]

Congratulations on answering your own question assuming employer(s) do not pay any portion of premiums.