[FS-2022-15. March 2022 restatement; 49 pages.] "These FAQs additions are as follows:

• New -- Tax Credits for Paid Leave Under the American Rescue Plan Act of 2021 [for Leave After March 31, 2021]: Special Issues for Employers -- Other Issues: Q98a
• New -- Tax Credits for Paid Leave Under the American Rescue Plan Act of 2021 [for Leave After March 31, 2021]: Specific Provisions Related to Self-Employed Individuals: Q116a"

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[FS-2022-16. March 2022 restatement, 42 pages.] "These FAQs additions are as follows:

• New -- Tax Credits for Paid Leave Under the [FFCRA] for Leave Prior to April 1, 2021: Special Issues for Employers: Other Issues: Q54g
• New -- Tax Credits for Paid Leave Under the [FFCRA] for Leave Prior to April 1, 2021: Specific Provisions Related to Self-Employed Individuals: Q65c"

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"Although employers frequently refer to all benefits paid entirely by the employee as 'voluntary,' employers must satisfy four conditions to meet the DOL's voluntary plan safe harbor exemption from ERISA. The 'no endorsement' condition is particularly difficult to meet."  MORE >>

"Among other things, the Justice Department alleges allowing United to eliminate a significant independent and innovative competitor firm by acquiring Change will undermine competition in the commercial health insurance market, stifle innovation in the employer health insurance markets and suppress competition in the market for a vital technology used by health insurers to process health insurance claims and reduce health care costs by giving United control of a critical data highway through which about half of all Americans' health insurance claims pass each year." [U.S. v. UnitedHealth Group Inc., No. 22-0481 (D.D.C. complaint filed Feb. 24, 2022)]  MORE >>

"Their legislation would extend the free COVID-19 test coverage requirement beyond the PHE until December 31, 2023. Group health plans would be required to continue covering COVID-19 diagnostic testing and related services without any participant cost sharing (including deductibles, copayments and coinsurance), prior-authorization requirements, or other medical-management standards, as long as a licensed healthcare or otherwise authorized provider deems the testing medically appropriate."  MORE >>

"One-third of employees overpay for health insurance each year by $1,700 and simultaneously make no voluntary retirement contributions. Over just a few years, these choices result in lost savings equal to 4% of the median net worth of families at retirement.... This finding suggests consumers could reallocate funds from health insurance to retirement saving without sacrificing consumption."  MORE >>