Retirement Plan Administrator Flexible Benefits Systems Inc. Telecommute / Cleveland OH

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Changes to Family Medical and Sick Leave Obligations in the Time of COVID-19
October 22, 2020 WEBCAST
Littler

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[Guidance Overview]

ACA Employer Mandate 2021

"In preparing a pay or pay analysis for the 2021 renewal, begin to use the updated Section 4980H(a) and (b) penalties. Remember when setting premium contributions for a 2021 renewal, to use the newly set affordability percentage to calculate premium contributions. If offering an ICHRA, be sure to determine affordability based on primary residence or primary work location." 

HUB International

[Guidance Overview]

Revised DOL Regs Necessitate Job-Specific Assessment by Health Care Providers for Potential FFCRA Leave Entitlement

"[A]ffected health care providers should immediately conduct a position-specific analysis of their employees ... to make a reasoned determination regarding whether their services are truly integral to the provision of patient care. Gray areas will likely include patient food service and EMR-related services.... Employers should take care to document their decision-making process in this regard before denying leave requests to such employees." 

Nexsen Pruet

[Guidance Overview]

California's New Sick Leave Law Provides Supplemental Coverage for Employees Affected by COVID-19

"Employers outside the food sector are required to provide COVID-19 supplemental paid sick leave (CSPSL) as of September 19, 2020 ... For food sector workers, the leave requirement is retroactive to April 16, 2020 ... The CSPSL provisions expire on December 31, 2020 or the expiration of the FFCRA (including any extension); whichever is later." 

Morgan Lewis

[Guidance Overview]

New California Leave Law Impacts All Companies with 5 or More Employees; and New COVID-19 Law for Large Employers

"The CFRA will apply to much smaller employers -- those with five or more employees (down from 50, or 20 employees for new parent leave).... [T]he new law eliminates the requirement that employees work within 75 miles of a worksite.... AB 1867 also immediately established supplemental COVID-19 paid sick leave for private employers with 500 or more employees anywhere in the nation, as well as public and private employers of first responders and health care employees who opted out of the leave under the federal law." 

Quarles & Brady LLP

Answers to Common Employee Open Enrollment Questions

"Most employers believe they offer clear benefits communications, but many overestimate their efforts. The truth is that 30% of employees do not think their company's benefits communications are easy to understand. When employees approach open enrollment informed and in a proactive nature, they can make choices that fit them better. [This article provides] a list of the most commonly asked employee questions [with answers]." 

OneDigital Health and Benefits

Aflac Survey: Pandemic Has 49% of Employees Rethinking Benefits

"[N]early half (49%) of employees said the pandemic has been a wake-up call to invest more time researching and selecting the best coverage options for their situation. This represents a significant shift in employee behavior considering a vast majority of employees (92%) choose the same benefits year after year and on average spend 33 minutes on the task -- statistics that haven't changed meaningfully over the years of the survey." 

InsuranceNewsNet.com

Neglecting Mental Health Screenings Leads to Catastrophic Disability Costs

"Though depression impacts 16.2 million Americans, ... only 1 in 10 people get the recommended screening for a diagnosis. Depression costs employers an estimated $44 billion each year in lost productivity ... Closing these screening gaps can be a major savings opportunity for employers, by preventing disability leaves in the most severe cases[.]" 

Grooms Benefit Solutions

Hacker Group's Impermissible Access to ePHI Leads to $1.5 Million HIPAA Settlement

"HHS's investigation revealed that the CE failed to: [1] Prevent the unauthorized disclosure of electronic protected health information (ePHI) of more than 208,500 individuals. [2] Maintain copies of its HIPAA policies and procedures. [3] Implement certain technical safeguards. [4] Enter into business associate (BA) agreements with three of its BAs. [4] Provide HIPAA training to all workforce members. [5] Conduct an accurate and thorough risk analysis concerning the ePHI in its possession. [6] Implement sufficient security measures to reduce risks and vulnerabilities to the ePHI in its possession." 

Thomson Reuters Practical Law

Overpaying and Undersaving: Correlated Mistakes in Retirement Saving and Health Insurance Choices (PDF)

10 pages. "A large majority picks one of two more expensive plans, even when, for all possible spending realizations, lower costs are more likely in the cheapest plan. Employees who do not choose the low-cost plan overpay for health insurance by nearly $1,700 in expectation.... About one-third of employees forgo matching contributions, and a large majority saves below reasonable benchmarks.... People who spend too much on health insurance are 23% more likely to forgo matching contributions than are people who choose the low-cost plan." 

TIAA Institute

Press Releases

Group RHI Announces Name Change to Definiti LLC
Definiti LLC

Efficient Advisors Bolsters Advisor Service Offering: New Hires to Focus on Advisor Back Office Experience.
Efficient Advisors

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Most Popular Items in the Previous Issue

Key Decision Points in ACA Reporting Vendor Setup Questionnaires, Part 3: The Measurement, Administrative, and Stability Periods
ABD Insurance & Financial Services

New California Law Significantly Expands Employee Entitlement to Family and Medical Leave
Jackson Lewis P.C.

Text of EBSA Request for Nominations to Advisory Council on Employee Welfare and Pension Benefit Plans
Employee Benefits Security Administration [EBSA], U.S. Department of Labor [DOL]