Comply on the Fly with M3 & Karen B.
M3 Insurance
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Rely on M3 to share the most up-to-date information on trending topics that impact your organization. Get the key compliance information you need in just around 5 minutes, then move on with your day.
For more in-depth compliance and business information, visit M3‘s Insight Center: https://m3ins.com/insight-center/
Available episodes
Newest first
Oldest first
Sep 19, 2023
S2-Ep44: Medicare Part D - Notice of Creditable or Non-Creditable Coverage
What is the Medicare Part D Creditable or Non-Creditable Coverage Notice, who do I need to provide it to, and how?
This episode of Comply on the Fly covers Medicare Part D Creditable or Non-Creditable Coverage Notices, which must be provided prior to the start of the annual Medicare Part D open enrollment period on October 15th every year.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Sep 12, 2023
S2-Ep43: ACA Affordability - Calculation + Penalty Exposure
After doing the ACA affordability calculation for 2024, are all ALE's (Applicable Large Employers) required to make coverage affordable for all full-time employees?
This Comply on the Fly helps employers understand how to calculate ACA affordability in 2024 and determine their potential penalty exposure if they are not able to offer affordable coverage to all of their full time employees.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Aug 29, 2023
S2-Ep42: ACA Affordability 2024 Percentage
Has the Affordable Care Act affordability calculation percentage for 2024 been released yet?
The IRS recently released Revenue Procedure 2023-29 decreasing the affordability calculation to 8.39% for 2024. This Comply on the Fly helps employers understand if this decreased rate will require them reduce employee contribution amounts in order to meet ACA affordability in 2024.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Aug 22, 2023
S2-Ep41: COBRA & Health FSAs
What are the requirements for offering COBRA for a Health Flexible Spending Account, also known as an FSA?
Health FSAs are considered group health plans and therefore you are required to offer COBRA upon the occurrence of a COBRA qualifying event, however the offer of COBRA can be limited for FSAs. This episode of Comply on the Fly covers the conditions around extending offers of COBRA for Health FSAs.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Aug 8, 2023
S2-Ep40: Dependent Care Assistance Program Election Changes
When can an employee make a change to a dependent care election?
The episode of Comply on the Fly covers Dependent Care Assistance Programs (DCAPs), including the difference to Section 129 and Section 125 requirements, and what criteria qualifies an employee for a mid-year election change.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Aug 1, 2023
S2-Ep39: Section 105h Non-Discrimination Testing
What is Section 105h Non-discrimination Testing, and does it apply to me?
Non-discrimination requirements and testing can be very confusing. This Comply on the Fly episode clarifies Section 105h of the Internal Revenue Code.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Jul 25, 2023
S2-Ep38: 2023 PCORI Fees Reminder
What is the PCORI fee for this year and how do I pay it?
With the 2023 PCORI fees due July 31st, this episode of Comply on the Fly reminds employers how the fees apply and where to pay them. This is a refresher of the episode that aired on 6.13.23.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Jul 18, 2023
S2-Ep37: ERISA Document Delivery
How can I provide the Summary Annual Report, or SAR, to my plan participants??
This Comply on the Fly covers the three approved delivery methods for ERISA required documents so employers can choose the most effective method for their employee population.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Jul 11, 2023
S2-Ep36: FMLA & Serious Health Condition Definition
How do I know if an employee's situation qualifies as a serious health condition for FMLA purposes?
This Comply on the Fly dives into how FMLA defines a serious health condition to help employers understand when their employees qualify for leave.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Jul 4, 2023
S2-Ep35: COVID-19 Coverage & HDHPs
Can I continue to offer COVID-19 testing and treatment under my HSA, or Health Savings Account compatible high deductible health plan, or HDHP, now that the national emergency and public health emergency is over?
This Comply on the Fly episode covers guidance issued recently by the IRS in Notice 2023-37, which modifies how COVID-19 testing and treatment coverage works in regard to High Deductible Health Plan (HDHP) deductibles.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Jun 27, 2023
S2-Ep34: Special Enrollment Options
I'm an employer that offers health benefit plan options. An employee would like to add his dependent child to the plan mid-year due to a loss of coverage under the spouse's plan. The employee is currently enrolled in our high deductible health plan option, but would like to switch to the HMO copay option when he enrolls his dependent. Is the employee allowed to switch plan options midyear due to the qualifying event?
This Comply on the Fly answers an employer's question about coverage changes during a special enrollment event, as required under HIPAA.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Jun 20, 2023
S2-Ep33: ACA Lookback Measurement Method - Refresher Episode
How do I determine if an employee is full-time for ACA purposes?
This episode of Comply on the Fly covers the look back measurement method in determining the number full time and full time equivalent employees for ACA compliance purposes.
(Season 1 - Episode 33 provides an overview of the monthly measurement method.)
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Jun 13, 2023
S2-Ep32: 2023 PCORI Fees
What is the PCORI fee for this year and how do I pay it?
This episode of Comply on the Fly covers the 2023 PCORI fees. These fees are paid annually and are due by July 31st, so it is a perfect time to discuss how the fees apply and where to pay them.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Jun 6, 2023
S2-Ep31: 2024 HSA Limits for High Deductible Health Plans
Have the 2024 HSA or health savings account limits been released yet?
This episode of Comply on the Fly details the new released 2024 single and non-single HSA and high deductible health plan limits.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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May 30, 2023
S2-Ep30: ACA Temps & Interns Refresher
How do I handle temporary employees or interns for Affordable Care Act (ACA) purposes?
Just in time for the summer months, this refresher episode of Comply on the Fly reminds large employers of how to remain compliant with their ACA shared responsibility provisions around seasonal employees & interns.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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May 23, 2023
S2-Ep29: HSA Contribution Changes
If I allow my employees to contribute to their own HSA health savings accounts, do I have to let them change the amount they wish to contribute throughout the year?
This episode of Comply on the Fly includes the newly released HSA contribution limits, and covers a Section 125 qualifying event that allows for employees to make HSA contribution changes in the middle of a plan year.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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May 16, 2023
S2-Ep28: Non-FMLA Leave of Absence
I have an employee who has only been with us for six months and needs leave for a surgery. Can I keep this person on the benefits?
This episode of Comply on the Fly covers how to handle a leave of absence for an employee who does not meet the eligibility requirements for FMLA.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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May 9, 2023
S2-Ep27: End of PHE and Notice Requirements
Do I have any notice obligations in relation to the end of the National Emergency or Public Health Emergency as it relates to COVID?
This episode of Comply on the Fly covers employer obligations around notice requirements associated with the end of the COVID National and Public Health Emergency (PHE).
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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May 2, 2023
S2-Ep26: ERISA & Voluntary Plans
Are voluntary plans that an employer sponsors subject to ERISA?
This episode of Comply on the Fly explains the four ERISA voluntary plan safe harbor requirements and what employer plans sponsors are responsible for if those requirements are not met.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Apr 25, 2023
S2-E25: COBRA, Medicare, and Dependents - Refresher Episode
Is COBRA offered to a spouse and dependents if an employee enrolls in Medicare?
This refresher episode of Comply on the Fly explains why an employee voluntarily terminating their coverage to enroll in Medicare causes any spouse or dependents on their plan to lose coverage with no COBRA rights.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Apr 18, 2023
S2-Ep24: The End of the COVID-19 National Emergency
Did the COVID-19 National Emergency end? I thought it was supposed to end in May.
On April 10th, 2023, the federal government ended COVID-19 National Emergency. Allowing 60 days to the end of the outbreak period, this makes June 9, 2023 the official end date for deadline extensions. Tune in to this episode of Comply on the Fly to learn what this means for group health plan benefit purposes.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Apr 11, 2023
S2-Ep23: COBRA & Medicare
I have an employee's spouse that will be going on Medicare soon. Should I offer COBRA?
This episode of Comply on the Fly helps employers understand the interaction between Medicare entitlement and COBRA, which can be particularly complicated with Medicare's Secondary Payer Rules.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Apr 4, 2023
S2-Ep22: COBRA & Divorce
I have an employee who was recently divorced. He has removed his ex-spouse and dependents from the health coverage. In this situation, who do we send the COBRA election paperwork to?
This episode of Comply explores the nuances of COBRA-qualifying events triggered by divorce. Tune in to ensure your organization knows how to meet COBRA election paperwork provision requirements in situations of divorce.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Mar 28, 2023
S2-Ep21: Air Ambulance Reporting - Part 1
Do I need to do anything about air ambulance reporting?
The Air Ambulance Data Collection, or AADC, requirement seeks to give lawmakers and regulators a better understanding of the cost drivers behind large, surprise medical bills associated with air ambulance services. This episode of Comply covers the transparency and reporting requirements pertaining to air ambulance data.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Mar 20, 2023
S2-Ep20: Medicaid Redetermination
Do I have to offer enrollment to a person who loses eligibility for Medicaid due to a recent redetermination?
The Consolidated Appropriations Act of 2023 could result in some of your employees losing their Medicaid coverage. This episode of Comply on the Fly can help you, as an employer plan sponsor, prepare for this special enrollment event.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
playlist_add
Mar 14, 2023
S2-Ep19: ERISA SPD - What It Is and When You Need to Provide It
What is an ERISA SPD - and when do I need to provide it?
As a plan sponsor you are required to provide an SPD (Summary Plan Description) to your organization's employee benefit plan participants and beneficiaries informing them of their rights and benefits in relation to the plan offerings. This refresher episode of Comply on the Fly can help you, as an employer plan sponsor, better understand your ERISA SPD obligations.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or…
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Mar 7, 2023
S2-Ep18: Gag Clause Attestation for Group Health Plan Agreements
Can you tell me a bit more about the recent transparency guidance on gag clauses?
This episode of Comply on the Fly covers recent transparency guidance issued by the federal government pertaining to the prohibition of gag clauses in any agreements group health plans enter into with providers, TPAs (Third Party Administrators), and other network or associations of healthcare providers.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
playlist_add
Feb 28, 2023
S2-Ep17: FMLA and Remote Employees
What did the Department of Labor, or DOL, recently say about FMLA and remote workers?
On February 9th, 2023, the Department of Labor Wage and Hour Division issued Field Assistance Bulletin 2023-1 addressing the application of FMLA eligibility requirements to remote employees. This episode of Comply on the Fly provides covers what employers need to know about this bulletin.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
playlist_add
Feb 21, 2023
S2-Ep16: End of COVID-19 National Emergency and the Impact on Employer-Sponsored Health Plans
It's not really a question per se, but you may be wondering about the end of the COVID National Emergency or public health emergency and how this will affect your group health plans.
The President of the United States recently issued a "statement of administration policy" declaring the discontinuation to the COVID-19 national emergency. This episode of Comply on the Fly provides information on how this will impact employer-sponsored health plans.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related…
playlist_add
Feb 14, 2023
S2-Ep15: Opt-Out Arrangements
What is the difference between a conditional opt-out arrangement and an unconditional opt-out arrangement?
Opt-out arrangements (historically called cash-in-lieu arrangements) provide a taxable cash payout if an employee waives employer-sponsored health insurance. This episode of Comply on the Fly covers both unconditional and conditional opt-out arrangements and the additional compliance obligations employers face surrounding them.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation…
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Feb 7, 2023
E2-Ep14: FMLA & Pre-Birth Absences
This week's episode features another client-direct FMLA question: "I have an employee who is pregnant and due in August. She is having complications with her pregnancy and missing work. I have sent her the FMLA paperwork, however, she has not returned any of it. She indicated that she's off due to being sick from the pregnancy and has brought in notes from her doctor taking her off of work. Can I designate FMLA even though she hasn't returned the paperwork?
Employees sometimes mistakenly believe it is up to them to decide when FMLA applies and when it doesn't. It is really up to the employer to understand when a situation might be FMLA-qualifying and to get the process going. This episode of Comply on the Fly covers what employers need to know.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your complian…
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Jan 31, 2023
S2 Ep13: ACA and Controlled Group Acquisition
We had two companies with common ownership. However, in June 2022, one of the companies was sold off to a separate entity and therefore we are no longer part of a controlled group. As per the ACA requirements - Affordable Care Act requirements - we included both entities in determining whether or not we were over 50 full-time and full-time equivalents. Each entity separately now has 35 and 40 employees, respectively. What do we do for 2023?
When a business moves between being a single entity or part of a controlled group within a calendar year, adhering to the ACA Shared Responsibility requirements can become complicated. This episode of Comply on the Fly covers what employers need to know.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our bes…
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Jan 24, 2023
S2-Ep12: HSAs for Dependents of Employees
Can a dependent of an employee open their own HSA or health savings account?
Individuals who meet certain criteria and coverage conditions are eligible to establish and contribute to their own HSA (Health Savings Account). This episode of Comply on the Fly helps employer plan sponsors understand if and when a dependent of an employee may be eligible for their own HSA.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Jan 17, 2023
S2-Ep11: ACA-Temporary Employees
By policy, our limited term employees can only work 1,200 hours in a calendar year, which is less than the 30 hours per week, which is 1,560. If an LTE, meaning 'Limited Term Employee', begins work in the second half of the calendar year and then continues to work in the first half of the next year, are we required to offer insurance since they have worked more than 30 hours per week during the look back period? Please expand on seasonal versus temporary employment.
In this episode of Comply on the Fly Karen B. answers a client question around properly classifying employees for ACA reporting purposes.
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Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Jan 10, 2023
S2 Ep10: FMLA - Intermittent Leave Tips
Are there any guidelines or best practices around how to identify possible intermittent FMLA situations or when supervisors should notify HR of a potential need?
Intermittent leave tends to be one of the most difficult things for employers to deal with in regards to FMLA. This episode of Comply on the Fly offers tips for identifying and managing intermittent FMLA leave.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
playlist_add
Jan 3, 2023
S2 Ep 9: Special Enrollment vs. Section 125 Qualifying Events
What is the difference between special enrollment and Section 125 qualifying events?
Special enrollment quite often gets confused with Section 125 qualifying events. Karen B. outlines the difference for employers in this refresher episode of Comply on the Fly.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
playlist_add
Dec 20, 2022
S2 Ep8: Should I provide a 1095C in ACA Reporting?
I was wondering for an employee that starts in December and doesn't become benefit-eligible until January 1st, 2023, do I still need to create a 1095C for them showing a 1H/2D?
In this Comply on the Fly Karen B. responds to this client question pertaining to ACA reporting pertaining to 1095Cs. If you also have questions on this, tune in to find answer.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
playlist_add
Dec 13, 2022
S2-Ep7: 2022 ACA Reporting
As an employer, what do I need to know about the coding and forms around Affordable Care Act (ACA) reporting for 2022?
In this Comply on the Fly Karen B. responds to an influx of questions she is currently receiving as employers prepare to do their ACA reporting for 2022. Tune in to find answers to your questions on this topic.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
playlist_add
Dec 6, 2022
S2-Ep6: ACA - Affordability Based on Rate of Pay
How do we ensure that an employee working seven and a half hours per day for 180 days per year and making $15 and 25 cents an hour is offered affordable coverage for both single and family coverage?
In this Comply on the Fly Karen B. helps employers with 50 or more employees determine if their offers of coverage are affordable according to the ACA (Affordable Care Act) Shared Responsibility requirements.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
playlist_add
Nov 29, 2022
S2-Ep5: When FMLA Leave Rolls into a New Calendar Year
I have a couple of people that will be using FMLA leave and won't go through it all before January 1st. Is there anything I need to do since we run FMLA on a calendar year basis? Or do I just keep tracking it?
In this Comply on the Fly Karen B. answers a timely client question on if FMLA leave rolls over or resets with the change of the calendar year. Tune in to learn how to track and maintain proper paperwork around employee FMLA periods that extend into the new year.
_____________________________
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
________________________________________________________________
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any bene…
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Nov 22, 2022
S2-Ep4: Open vs. Special Enrollment
Our employee and the spouse are on the spouse's health plan. We, as the employer, have an open enrollment period for July 1 start date, and the spouse's employer has an open enrollment period for a January 1 start date. Our open enrollment period is over, but the spouse's open enrollment period is now open. Can the spouse drop all enrollments during their open enrollment, and can the family now jump onto our plan?
In this Comply on the Fly Karen B. answers a client question on open vs. special enrollment periods. She covers how involuntary and voluntary loss of coverage impact eligibility under special enrollment differently. Tune in gain a better understanding of this complex coverage situation.
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Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do o…
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Nov 15, 2022
S2-Ep3: ACA - Variable Hour & Full Time Employee Status
We hire many variable hour employees and we move them to full-time status when they work more than 30 hours per week. Is this correct?
In this Comply on the Fly Karen B. addresses a client concern around proper classification of employees in regard to the Affordable Care Act Shared Responsibility rules. If you are an employer subject to these ACA rules, tune in to learn how to avoid penalties for non-compliance.
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Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy…
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Nov 8, 2022
S2-Ep2: Benefit Documents & SPDs
Do we need an SPD for dental coverage as well as medical?
In this Comply on the Fly Karen B. answers this client question, covering alignment of SPDs & benefit plan documents in medical, dental and self-funded plan scenarios. Tune in to learn how to keep the plan documentation for your unique situation compliant.
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Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions. Season 2 of Comply on the Fly focuses on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Nov 1, 2022
S2-Ep1: 1095Cs & Coverage Waivers
When I am completing my 1095Cs, do I need to enter a code on part II, line 16 when someone waives coverage?
Karen B. is back with Season 2 of Comply on the Fly! This episode covers how to properly fill out 1095c forms in regard to full time employees who waive your offers of coverage. Tune in to learn how to avoid errors that could result in an IRS penalty letter.
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Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
Season 2 of Comply on the Fly is focused primarily on actual client questions, so send your compliance question to AskKarenB@m3ins.com and we'll do our best to cover it in an upcoming episode!
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Oct 11, 2022
Ep 52: HSAs - Can an Employee Contribute to the HSA of a Spouse?
Our employee is covered under his spouse's high deductible health plan at another employer. Our employee is not enrolled in our high deductible health plan. The employee's spouse has an HSA or Health Savings Account. The question is, can our employee contribute to the HSA of the spouse?
This final episode of Comply on the Fly, Season 1 covers three scenarios around an employee contributing to the HSA of the spouse - with three different answers. Tune in so you know how to respond if your employee comes to you with a similar question. Comply on the Fly will resume, with Season 2, on November 1st.
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Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or s…
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Sep 29, 2022
Ep 51: FMLA - New Hire Leave for Birth/Adoption
Can a new employee take federal FMLA to bond with a child following birth or placement for adoption?
Answers to FMLA eligibility questions such as this one are always very fact-specific. This episode of Comply on the Fly covers what you need to know to correctly determine FMLA leave for your employees' with growing families.
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Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Sep 27, 2022
Ep 50: ACA Part-Time Employee Eligibility
I need help regarding eligibility for a part-time employee. The employee was hired in may of 2022. And for the past 10 weeks, he has worked 30 or more hours per week. We use the look back measurement method. Without a full year of data, should we be offering him benefit?
The answer to this question requires a grasp of the ACA (Affordable Care Act) shared responsibility requirements, proper categorization of employees, and an understanding of initial and ongoing measurement periods. This episode of Comply on the Fly covers it all!
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Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Sep 20, 2022
Ep 49: Medicare Part D Creditable & Non-Creditable Coverage Notices
What is the Medicare Part D creditable or non-creditable coverage notice, who do I need to provide it to, and how?
Get the answer to this question in just three and a half minutes in this episode of Comply on the Fly. The Medicare Part D Creditable or Non-Creditable Coverage notice must be provided prior to October 15th every year, the annual start of Medicare Part D open enrollment.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Sep 13, 2022
Ep 48: FMLA & Wisconsin Workers’ Compensation
Can you please verify if it's mandatory in Wisconsin to run workers' compensation benefits and FMLA concurrently?
This episode of Comply on the Fly helps employers understand how to handle situations where an employee qualifies for both federal FMLA and Wisconsin state leave concurrently.
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Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Sep 6, 2022
Ep 47: Medicare & Group Health Plans
We have an employee who is nearing age 65. Can we require that the employee drop our group health plan coverage and go on Medicare?
Well, the simple answer is no, however, it is extremely important for your retirement age employees to fully understand their options surrounding Medicare. This episode of Comply on the Fly can help.
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Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Aug 30, 2022
Ep 46: Benefit Eligibility Pointers
How many hours can an employee work and still be eligible for benefits? We have a full time employee, but this employee has only been working 25 hours per week for the past few months.
While there are no simple answers to determining benefit eligibility for certain employees, this episode of Comply on the Fly offers pointers on how to look at your policy documents to determine benefit eligibility in atypical situations.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Aug 23, 2022
Ep 45: COBRA - Late Election Notice
I forgot to provide the COBRA election paperwork to a terminated employee several months ago. What should I do?
Failing to provide the required COBRA election notices can lead to significant consequences for non-compliance. This episode of Comply covers corrective actions to take around missed COBRA election notices.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Aug 16, 2022
Ep 44: COBRA Rate Change & Open Enrollment
Am I required to make premium adjustments to COBRA at any time? And how do I handle open enrollment for COBRA participants?
These are great questions as we are heading into fourth quarter, which for many is also the renewal season around calendar year plans. This is the time to look at your COBRA rates and make sure that you are making any necessary adjustments.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Aug 9, 2022
Ep 43: ACA 2023 Affordability Percentage Adjustment
Do you know the ACA, or Affordable Care Act, shared responsibility affordability percentage for 2023?
On August 1st, 2022, the IRS issued revenue procedure 2022-34, which included an adjusted affordability percentage for 2023. The percentage was reduced to 9.12% for 2023, a substantial decrease from the 9.61% in 2022. This episode of Comply on the Fly covers how this change will affect offers of coverage for plan years beginning on or after January 1st, 2023.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Aug 2, 2022
Ep 42: HIPAA Non-Discrimination
What non-discrimination rules apply to my health plans?
This is a seemingly easy question with a pretty complex and multifaceted answer. This episode of Comply on the Fly explores HIPAA non-discrimination requirements.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Jul 26, 2022
Ep 41: Refresher on ACA - Temporary Employees & Interns
How do I handle temporary employees or interns for Affordable Care Act (ACA) purposes?
This refresher episode of Comply on the Fly reminds large employers of how to remain compliant with their ACA shared responsibility provisions around seasonal employees & interns.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Jul 19, 2022
Ep 40: ERISA Summary Annual Reports
What is a SAR and what do I do with it?
This Comply on the Fly covers ERISA and Summary Annual Report (SAR), and offers guidelines for delivering the report to your plan participants.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Jul 12, 2022
Ep 39: 2022 PCORI Fees Refresher
As the 2022 PCORI fees deadline approaches, this episode of Comply on the Fly provides a refresher on how to determine if - and what - you owe. What are the PCORI fees for 2022 and when are they due?
This episode of Comply on the Fly reviews what PCORI fees are and when they apply, and provides information around them for 2022.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Jul 5, 2022
Ep 38: FMLA and State Leave Laws
What do I do if an employee qualifies for both federal FMLA and leave provided by state law?
This episode of Comply on the Fly can help you determine leave eligibility under federal FMLA and state law - and what to do when an employee qualifies for both.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Jun 28, 2022
Ep 37: COBRA Notice of Unavailability
I've never heard of the COBRA Notice of Unavailability - can you tell me what this is?
Though many employers are unware of the COBRA Notice of Unavailability, it is a required notice and included on the document request for DOL audits. This episode of Comply on the Fly covers what employers need to know about it providing this notice to employees.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Jun 21, 2022
Ep 36: Upcoming Transparency Requirements
Can you tell me a bit more about those transparency requirements that go into effect July 1st, 2022?
The requirements around transparency can be complicated. This episode of Comply on the Fly covers the transparency in coverage rules found in the Affordable Care Act (ACA) as well as those found in the Consolidated Appropriations Act (CAA).
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Jun 14, 2022
Ep 35: ACA - Initial Measurement Period
How do I handle new employees if I am subject to the Affordable Care Act employer shared responsibility provisions, and I'm utilizing the look back measurement method?
This episode of Comply on the Fly covers how to assign the right status to new employees when using the look back measurement method for ACA compliance purposes.
(Episode 34 covers the look back measurement method.)
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Jun 6, 2022
Ep 34: ACA - Look Back Measurement Method
How do I determine if an employee is full-time for ACA purposes?
This episode of Comply on the Fly covers the look back measurement method in determining the number full time and full time equivalent employees for ACA compliance purposes.
(Episode 33 provides an overview of the monthly measurement method.)
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Jun 6, 2022
Ep 33: ACA - Monthly Measurement Method
How do I determine if an employee is full-time for ACA purposes?
This episode of Comply on the Fly covers the monthly measurement method in determining the number full time and full time equivalent employees for ACA compliance purposes.
(Episode 34 covers the look back measurement method.)
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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May 24, 2022
Ep 32: PCORI Fees for 2022
What are the PCORI fees for 2022 and when are they due?
This episode of Comply on the Fly reviews what PCORI fees are and when they apply, and provides information around them for 2022.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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May 17, 2022
Ep 31: HSA - 2023 Limits
What are the HSA limits for calendar year 2023?
The IRS recently issued revenue procedure 2022-24, covering pertinent information around HSA-compatible plan offerings for 2023. This episode of Comply on the Fly covers the increased limits so employers can be prepared.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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May 10, 2022
Ep 30: ACA - Temporary Employees & Interns
How do I handle temporary employees or interns for Affordable Care Act (ACA) purposes?
As we head into the summer months, many employers are looking to hire seasonal employees and interns. This episode of Comply on the Fly can help large employers remain compliant with their obligations under ACA shared responsibility provisions.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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May 3, 2022
Ep 29: HIPAA Non-Discrimination
What are the HIPAA non-discrimination rules and how do I apply them to my plans?
HIPAA Non-discrimination rules can be confusing because there are non-discrimination rules that apply in the taxation context and rules that don't. This episode of Comply on the Fly can help employers clear confusion around HIPAA non-discrimination rules.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Apr 26, 2022
Ep 28: Health Coverage Opt-Out Arrangements
Can I offer cash to my employees who waive health insurance?
Opt-out arrangements allow employers to provide cash to an employee who waives group health plan coverage. This episode of Comply on the Fly covers what employers need to know about 'cash-in-lieu' of coverage arrangements.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Apr 19, 2022
Ep 27: COBRA & Special Enrollment for Newborn Dependents
If an employee does not return to work after having a baby, and if offered COBRA, can the baby be enrolled on her COBRA plan?
When it comes to COBRA & special enrollment rules regarding newborn dependents, it's all about timing. This episode of Comply on the Fly covers considerations around this topic.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Apr 12, 2022
EP 26: HSAs & Medicare
Can our Medicare eligible employees contribute to an HSA? Or can we, as the employer continue to contribute to the HSA of a Medicare eligible employee?
The relationship between Medicare and HSAs is confusing, but this episode of Comply on the Fly breaks down what employers need to know.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Apr 5, 2022
EP 25: All About FMLA & COBRA
All about FMLA and COBRA offers. Recently, we received a question similar to this one: We have an employee out on STD and transitioning to LTD. FMLA was exhausted well out on STD. When should I offer COBRA to this employee?
This episode of Comply on the Fly helps unblur the lines between FMLA leave, COBRA eligibility and short-term and long term disability (STD/LTD) coverage.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Mar 29, 2022
EP 24: Section 125 Plan Basics
What is a section 125 plan?
Section 125 refers to the section of the internal revenue code that allows employers to provide employees with a choice between cash and certain qualified non taxable benefits. Tune in to this episode of Comply on the Fly to better understand the basics of Section 125 plans.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Mar 22, 2022
EP 23: FMLA Notices
What are the basic notice requirements under federal FMLA?
FMLA administration can get rather complicated, but the federal notice requirements are pretty straightforward. This episode of Comply on the Fly provides a solid foundation and understanding of the federal requirements around FMLA Notices.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Mar 15, 2022
Ep 22: ERISA 5500 Basics
How, and when, do I need to file form 5500's for my welfare benefit plans?
If you are a private sector employer, ERISA SPDs and the required 5500s are an important part of remaining compliant with your federal obligations and avoiding unnecessary fees. This episode of Comply on the Fly covers the basics of ERISA 5500 compliance.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Mar 8, 2022
EP 21: COBRA & Medicare - what about dependents?
Is COBRA offered to a spouse and dependents if an employee enrolls in Medicare?
This episode of Comply on the Fly explains why a scenario in which an employee decides to voluntarily terminate coverage and enroll in Medicare would cause loss of coverage with no COBRA rights for any spouses and dependents on their plan.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Mar 1, 2022
EP 20: Does COBRA need to be offered for an HRA?
Does COBRA need to be offered for an HRA?
COBRA must be offered for HRAs upon a COBRA-qualifying event. It can get rather complicated to offer COBRA for an HRA, but this episode of Comply on the Fly covers the key points of compliance.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Feb 22, 2022
EP 19: Are the COVID deadline extensions for group health plans still in place?
Are the deadline extensions due to COVID for group health plans still in place? And if so, can you tell me more about that?
This has been one of the more confusing COVID requirements and quite frankly, often forgotten. This episode of Comply on the Fly covers how COVID extensions impact HIPAA special enrollment and COBRA notice deadlines.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Feb 15, 2022
EP 18: HSAs - Individual Accounts for Dependents
Can a dependent of an employee open their own HSA or health savings account?
Individuals who meet certain criteria and coverage conditions are eligible to establish and contribute to their own HSA (Health Savings Account). This episode of Comply on the Fly helps employer plan sponsors understand if and when a dependent of an employee may be eligible for their own HSA.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Feb 8, 2022
EP 17: Special Enrollment vs. Section 125
What is the difference between special enrollment and Section 125 qualifying events?
Special enrollment quite often gets confused with Section 125 qualifying events. This episode of Comply on the Fly helps employers understand the difference.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Feb 1, 2022
EP 16: HIPAA & Group Health Plans
How does HIPAA apply to my group health plans?
Sometimes the topic of HIPAA can be confusing to employers. This episode of Comply on the Fly covers what invokes HIPAA, which information is protected, and the documentation required for compliance.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Jan 25, 2022
EP 15: COBRA Initial Notice
What is the COBRA Initial or General Notice, and when do I need to provide it?
The COBRA Initial or General Notice is a required notice under the Consolidated Omnibus Budget Reconciliation Act and is applicable to employers with 20 or more employees. This episode covers what those employers need to know about their requirements around providing notice.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Jan 18, 2022
EP 14: Supreme Court Rulings on COVID-19 Vaccination Mandates
Did the Supreme court block the OSHA ETS vaccine mandate and the CMS healthcare vaccine mandate?
On Thursday, January 13th, the Supreme court ruled on both mandates. This episode covers the details of those rulings.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Jan 11, 2022
Ep 13: FMLA & Mental Health
Can a mental impairment or condition qualify for FMLA?
If you are an employer subject to FMLA, you may have questions on the requirements around mental health conditions. This episode covers whether or not an employee's mental condition or impairment qualifies under FMLA's definition of a serious health condition and, in turn, triggers FMLA leave.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Jan 4, 2022
Ep 12: OSHA ETS Implementation of Requirements
How do I implement the testing requirement for the OSHA vaccination and testing ETS for 100 plus employers?
A great question and one that's on everyone's mind these days. This episode of Comply on the Fly covers what employers with 100 or more employees need to know to comply with the testing and masking requirements under the OSHA ETS.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Dec 21, 2021
Ep 11: OSHA ETS Stay Lifted
Is the OSHA Emergency Temporary Standard or ETS regarding mandatory COVID vaccination and testing masking requirements for 100 plus employers now in effect?
On December 17, 2021, a three judge panel of the US Court of Appeals, 6th Circuit lifted the stay on the OSHA Emergency Temporary Standard (ETS) which mandates COVID-19 vaccinations/testing in private employer organizations with 100 or more employees. This episode covers what employers need to know as they begin or continue their compliance of the OSHA ETS requirements, including the new implementation dates.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Dec 14, 2021
Ep 10: Vaccine Mandates - Current Status
What is the current situation regarding all of these vaccine mandates? There are currently four different vaccine mandates: The CMS Vaccination Mandate, the Federal Employee Vaccination Mandate, the Federal Contractor/Subcontractor Vaccination Mandate, and the OSHA ETS. This episode of the Comply on the Fly offers an update the current status of each.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Dec 7, 2021
Ep 9: 1095C Deadline Extension - ACA Reporting
Did the IRS recently extend the ACA reporting deadline? In a previous episode of Comply on the Fly, we told you that the IRS and Department of Treasury had not issued any extensions and to plan accordingly. However, very recently, the IRS issued proposed regulations permanently extending the date by which employers must provide the 1095C to employees. This episode covers what has changed and what it means for you as an employer.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Nov 30, 2021
Ep 8: ACA Reporting for 2021
What do I need to know for ACA reporting for 2021? It's the time of year when employers with 50 or more full-time/full-time equivalent employees need to start thinking about annual ACA reporting requirements. This episode includes a few reminders as we head into that season.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Nov 23, 2021
Ep 7: OSHA ETS Vaccination Mandate - Stays & Legal Challenges
What is the current status of the legal challenges to OSHA's ETS, or Emergency Temporary Standard, regarding vaccinations and testing/masking for private employers with 100 or more employees? Get the answer in under four minutes in this episode of Comply on the Fly, which covers the current (as of 11/18/21) legal status of the OSHA ETS and what it means for employers.
Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Nov 15, 2021
Ep 6: OSHA ETS Vaccination Mandate - Creating a Compliance Policy
What are my two policy options under the vaccine mandate or OSHA ETS? This episode covers the options employers have in implementing a policy to comply with the OSHA ETS. On 11/4/21 the Occupational Safety and Health Administration (OSHA) released its emergency temporary standard (ETS), mandating COVID-19 vaccinations/testing in private employer organizations with 100 or more employees.
Get the answer to this question in under five minutes in this episode of Comply on the Fly. Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Nov 9, 2021
Ep 5: OSHA COVID-19 Mandate ETS
So, what about that vaccine mandate? This episode covers information around this ETS as of 11/7/21. On 11/4/21 the Occupational Safety and Health Administration (OSHA) released its emergency temporary standard (ETS), mandating COVID-19 vaccinations/testing in private employer organizations with 100 or more employees. Get the answer to this question in under four minutes in this episode of Comply on the Fly. Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
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Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Oct 27, 2021
Ep 4: ERISA SPD
What is an ERISA SPD - and when do I need to provide it?
Get the answer to this question in under six minutes in this episode of Comply on the Fly. Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Oct 21, 2021
Ep 3: Annual Notices - Your Delivery Requirements
What are the notices I should include in my open enrollment materials - and can I deliver them electronically?
Get the answer to this question in under six minutes in this episode of Comply on the Fly. Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Oct 15, 2021
Ep 2: The ACA in 2022 - Shared Responsibility Calculations
What do I need to know for the ACA shared responsibility calculations for 2022?
Get the answer to this question in just three and a half minutes in this episode of Comply on the Fly. Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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Oct 12, 2021
Ep 1: Medicare Part D Notices
What is the Medicare Part D creditable or non-creditable coverage notice, who do I need to provide it to, and how?
Get the answer to this question in just three and a half minutes in this episode of Comply on the Fly. Turn to M3 and Karen B. (Breitnauer) for quick and timely answers to the most common employee benefits compliance questions.
Please note: This podcast and the contents herein do not constitute legal advice. Seek the advice of counsel for any benefit compliance related implementation guidance or strategy.
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