plan document questions

[Guest Kimberly Crowder]

the following inquiries are in reference to the plan document, the adoption agreement.....

1. situation: a plan sponsor with three adopting employers has been allowing mpre-tax denatl premiums for one of the control groups and not the others.....does this sponsor have to adopt a separate plan for the control group with dental insurance? and why...thanks

2. situation: a plan sponsor with multiple adopting employers offers a select group of the employers to have dental insurance with orthodontia. The others have no orthodontia provision. the sponsor's plan document/adoption agreement says the plan includes dental insurance premiums as a pre-tax benefit......does the sponsor have to adopt a separate plan for the groups with the ortho dental policy ? and why?

3. situation: a client has called to inform us as their TPA that they have added a supplemental and dependent life insurance policy to their cafeteria plan and they want us to do the paperwork......are these benefits eligile for pre-tax status?

4. situation: same as # 3 but the client is beginning a ltd/std policy....same question...