Terminating Health Benefits for Employees on Disability Leave

Question:   When does an employee on disability leave lose active health plan coverage and become eligible for COBRA? Compliance Team Response: Active Health Benefits Continue: FMLA/CFRA/PDL Period (or Other State Protected Leave Law) Employees who are disabled may have job protected rights under FMLA/CFRA for up to 12 weeks.  Pregnancy disabilities also include a period […]

Tricky Health Insurance Terms, Explained

The end of open enrollment, December 15th for most health insurance plans, including coverage through the US Health Insurance Marketplace, is quickly approaching. We at ABD want to make sure you have the information you need to make the best choice for you and your family. First, let’s start with the basics. A premium is […]

How ABD Gives Back With Family

ABDers are passionate about giving back to the community. Through our annual golf tournament, we’ve raised over $350k for the American Cancer Society and 85% of our team members volunteer for or support financially over 125 organizations. This week, two of ABD’s senior executives share how they give back with their families. And, because they’re […]

New Massachusetts Health Insurance Disclosure Form

What is the New Reporting Requirement? Massachusetts has resurrected a version of the Health Insurance Disclosure form (HIRD).  State law requires every employer in Massachusetts who had six or more employees in any month during the past 12 months preceding the November 30 due date of this form (December 1, 2017 – November 30, 2018) […]

Health Plan Eligibility for Legal Guardianship Children

Question:  Can an employee enroll a child for whom she is the legal guardian in the health plan? Compliance Team Response: Health plans almost uniformly limit eligibility coverage to: Eligible employees; Spouses/domestic partners; and Children under age 26. Children typically include natural children, step-children, foster children, adopted children, and children placed with the employee for […]

Allowing Election Changes After Open Enrollment

Question:   Employer’s open enrollment period recently closed for a 1/1 plan year start date.  An employee says she missed the OE deadline by mistake and needs to change her health plan election.  Can the employee change her health plan election before the plan year starts—even though OE has closed? Compliance Team Response: As described below, […]

Employee Wellbeing Programs to Consider in 2019

It’s becoming more apparent to employers that happy and healthy employees make for a more productive workforce. Helping employees navigate life in and outside of the workplace will benefit both your business and bottom line. Let’s look at three wellbeing programs that should be given consideration when planning for 2019: Mindfulness Training. With an increasing […]

2018 ACA Reporting Deadline Extended by 30 Days (Again)

In what’s quickly becoming an annual holiday tradition, today the IRS issued IRS Notice 2018-94 extending the deadline for providing the 2018 Forms 1095-B and 1095-C to individuals by 30 days.  This Notice mirrors the same 30-day extension for the 2017 and 2016 ACA reporting. The 2018 ACA reporting deadlines are now as follows: 2018 Forms 1095-B and 1095-C: […]

How ABD Celebrates #GivingTuesday

With Black Friday and Cyber Monday behind us, holiday shopping season is officially in full swing. And while we’re undeniably excited for a month of spending, gifting, traveling, attending parties, and visiting with friends and family, here at ABD we’re most excited for a month of giving back to our community. We’re kicking off our […]