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October 27, 2020 logo logo
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[Official Guidance]

Text of IRS Rev. Proc. 2020-45: Miscellaneous Adjusted Dollar Amounts for Taxable Years Beginning in 2021 (PDF)

"[T]he dollar amount in effect under § 45R(d)(3)(B) is $27,800. This amount is used under § 45R(c) for limiting the small employer health insurance credit and under § 45R(d)(1)(B) for determining who is an eligible small employer for purposes of the credit....

"[T]he dollar limitation under § 125(i) on voluntary employee salary reductions for contributions to health flexible spending arrangements is $2,750. If the cafeteria plan permits the carryover of unused amounts, the maximum carryover amount is $550 ...

"[T]he monthly limitation under § 132(f)(2)(A) regarding the aggregate fringe benefit exclusion amount for transportation in a commuter highway vehicle and any transit pass is $270. The monthly limitation under § 132(f)(2)(B) regarding the fringe benefit exclusion amount for qualified parking is $270 ...

"[U]nder § 137(a)(2), the amount that can be excluded from an employee's gross income for the adoption of a child with special needs is $14,440....

"[T]he term 'high deductible health plan' as defined in § 220(c)(2)(A) means, for self-only coverage, a health plan that has an annual deductible that is not less than $2,400 and not more than $3,600, and under which the annual out-of-pocket expenses required to be paid (other than for premiums) for covered benefits do not exceed $4,800 ... [and] for family coverage, a health plan that has an annual deductible that is not less than $4,800 and not more than $7,150, and under which the annual out-of-pocket expenses required to be paid (other than for premiums) for covered benefits do not exceed $8,750." Icon to read more

Internal Revenue Service [IRS]


2021 Onsite Employee Health Clinics Summit (January 28-29, 2021; Scottsdale, AZ)

The Leading Forum on Building & Expanding On-Site Health Clinics – Incorporating Strategies that Reduce Costs, Ensure Employee Satisfaction and Positively Impact Patient Behavior! Register now at Learn more

Sponsored by World Conference Forum

HIPAA Enforcement Remains Strong in 2020

"The two largest settlements this year involved health insurers.... Recent HIPAA enforcement actions serve as a reminder that all covered entities and business associates -- no matter the size -- need to constantly be taking steps to ensure HIPAA compliance." Icon to read more

Nexsen Pruet

HIPAA Enforcement: Lessons from the OCR's Recent Settlements

"The OCR has announced a surprising number of HIPAA settlements in the past few months with penalties ranging from $10,000 to $6.5 million.... [K]ey takeaways ... [1] Protect against cyberattacks.... [2] Perform an effective security risk assessment.... [3] Maintain appropriate policies and safeguards.... [4] Encrypt your devices.... [5] Respect the [individual's] right to access their information.... [6] Respond promptly to known or suspected concerns.... [7] Report breaches in a timely manner.... [8] Business associates beware! ... [9] Small providers are not exempt.... [10] Do not disclose PHI on social media." Icon to read

Holland & Hart LLP

The 'New Normal' of Benefits Employers Can Promote

"[1] Telehealth services.... [2] Telework.... [3] Dependent care Flexible Spending Accounts.... [5] Connecting resources.... [5] Spotlight disability benefits." Icon to read more

OneDigital Health and Benefits

Implications of the COVID-19 Pandemic on Medical Loss Ratio for Health Plans

"[H]ealth plans have critical financial decisions to make in the upcoming months with limited data available and wide uncertainty on how the pandemic will transition toward the end of 2020 and into 2021. This paper explores how COVID-19 may impact a health plan's medical loss ratio (MLR) requirements in general and provides specific considerations for the commercial, Medicare Advantage, and Medicaid markets in 2020 and going forward." Icon to read more


Benefits in General

Why Total Benefits Outsourcing Isn't the Answer for Today's Employers

"[S]ignificant changes in the benefits and technology landscape and a growing focus on employee engagement over the past several years have resulted in [total benefits outsourcing (TBO)] being an ineffective and costly option for employers. Here's a close look at the challenges of TBO, and how a best-in-class approach to benefits has emerged as the answer to the needs of today's employers and employees." Icon to read more


EBSA Restores Over $3.1 Billion to Employee Benefit Plans, Participants and Beneficiaries (PDF)

"In FY 2020, EBSA closed 1,122 civil investigations with 754 of those cases (67%) resulting in monetary results for plans or other corrective action. Recoveries on behalf of terminated vested participants played a large role in these results. In total, EBSA's enforcement program helped over 29,600 terminated vested participants in defined benefit plans collect benefits of over $1.48 billion owed to them.... In FY 2020, EBSA closed 230 criminal investigations. EBSA's criminal investigations, as well as its participation in criminal investigations with other law enforcement agencies, led to the indictment of 70 individuals -- including plan officials, corporate officers, and service providers -- for offenses related to employee benefit plans." Icon to read more

Employee Benefits Security Administration [EBSA], U.S. Department of Labor [DOL]

Selected Discussions
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Retiree HRA and HSA Interaction

"If one spouse is eligible for a Retiree HRA and the other spouse for herself or both of them has access to a HDHP with a HSA, if one or both of them uses the HDHP/HSA, must participation in the Retiree HRA be suspended for one of both until such time as neither is participating in the HDHP/HSA or in any HDHP plan year only until such time as the deductible and all required first dollar payments for the HDHP are made through the HSA or other resources?" Icon to read more

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Most Popular Items in the Previous Issue

Text of DOL Self-Compliance Tool for the Mental Health Parity and Addiction Equity Act (MHPAEA) (PDF)
Employee Benefits Security Administration [EBSA], U.S. Department of Labor [DOL]

View COVID-19 News and Resources, Inc.
1298 Minnesota Avenue, Suite H
Winter Park, Florida 32789
(407) 644-4146

Lois Baker, J.D., President
David Rhett Baker, J.D., Editor and Publisher
Holly Horton, Business Manager

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BenefitsLink Health & Welfare Plans Newsletter, ISSN no. 1536-9595. Copyright 2020, Inc. All materials contained in this newsletter are protected by United States copyright law and may not be reproduced, distributed, transmitted, displayed, published or broadcast without the prior written permission of, Inc., or in the case of third party materials, the owner of those materials. You may not alter or remove any trademark, copyright or other notices from copies of the content.

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