Posted on: Monday, July 12, 2010
Health Care Reform: New Form W-2 Reporting Requirements
 
The Patient Protection and Affordable Care Act (PPACA) was enacted on March 23, 2010 and amended by the Health Care and ...

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Posted on: Tuesday, July 6, 2010
ARRA COBRA Subsidy NOT Extended
 
Since February 2009, Congress extended the

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Posted on: Monday, June 28, 2010
Health Care Reform: Interim "Patient’s Bill of Rights" Regulations Issued
 
EXECUTIVE SUMMARY The Departments of Treasury, Labor (DOL) and Health and Human Services (HHS) have issued int...

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Posted on: Wednesday, June 16, 2010
Grandfather Interim Rules Issued by HHS/IRS/Treasury
 
On June 14th, the three agencies charged with issuing PPACA regulatory guidance and enforcing it issued interim Grandfat...

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Posted on: Wednesday, June 9, 2010
PPACA Early Retiree Reinsurance Program
 
EXECUTIVE SUMMARY This Early Retiree Reinsurance Program is meant to encourage employment-based group health p...

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Posted on: Wednesday, May 26, 2010
2011 HSA Annual Limits Released by IRS – No Change
 
The Internal Revenue Service (IRS) released 2010-22 which outlines the 2011 Health Savings Accounts (HSA) limits. Accor...

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Posted on: Monday, May 3, 2010
Denman’s National Health Care Recap to Prominent Colorado Employer
 
EAGLE – The recently-passed national health care bill has “affordable” right in its title. Ironically, it’s going to rai...

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Posted on: Monday, April 19, 2010
COBRA-ARRA Subsidy Extended Again - Through May 31, 2010
 
Another COBRA ARRA Subsidy Assistance Extension - through May 31, 2010 On April 15, 2010, the President signed...

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Posted on: Wednesday, March 24, 2010
Patient Protection and Affordable Care Act (PPACA) and pending Health Care and Education Reconciliation Act of 2010 (HCERA)
 
Now is the time for senior management and HR professionals to understand the law’s one to five year impact on bus...

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Posted on: Friday, March 5, 2010
COBRA-ARRA Subsidy Extended Through March 31, 2010
 
Another COBRA ARRA Subsidy Assistance Extension - through March 31, 2010 The Senate passed H.R. 4691 which ame...

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Posted on: Monday, February 22, 2010
CHIPRA Model Notice Requirements
 
Medicaid and Children’s Health Insurance Program (CHIP) Model Notice Requirements As you may recall, on Febr...

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Posted on: Tuesday, January 26, 2010
HIPAA / HITECH Act: February 17, 2010 Compliance Roadmap
 
Effective 2/17/10 the Health Information Technology for Economic and Clinical Health Act (“HITECH”) requires Covered Ent...

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Posted on: Monday, January 11, 2010
Denman’s 2009 and 2010 Compliance Roadmap
 
Happy New Year! As you recall, throughout our 2009 planning process, various health plan regulatory compliance change...

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Posted on: Tuesday, December 22, 2009
COBRA ARRA Subsidy Extended – Stay Tuned for Details
 
The much anticipated extension of the COBRA ARRA subsidy was passed under the

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Posted on: Thursday, December 3, 2009
HITECH Security Compliance Update - Security Breach Rules
 
The HITECH Act was enacted in February 2009 as part of the American Recovery and Reinvestment Act (ARRA). On August 24, ...

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Posted on: Friday, October 16, 2009
Employers of America…”Start your engines!”
 
Healthcare Reform – Senate Finance Committee Bill Passes Employers of America…”Start your engines!” The Bauc...

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Posted on: Monday, August 10, 2009
Limited-Benefit Plans
 
Many Employers would like to offer limited medical insurance coverage to their non-benefit eligible Employees (part-time...

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Posted on: Monday, March 9, 2009
New Special Enrollment Rights under CHIPRA
 
On February 4, 2009, Children’s Health Insurance Program Reauthorization Act of 2009 (CHIPRA) was signed into law. CHIP...

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Posted on: Tuesday, March 3, 2009
2009 COBRA Subsidy, an Employer’s Compliance Roadmap
 
There has been a flurry of Q&A’s, webinars and fact sheets issued since the passage of the American Recovery and Reinves...

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Posted on: Tuesday, January 13, 2009
Top 10 Benefit Plan “Boo Boos”
 
Around the first of each year, a slew of Top 10 Lists are released on everything from the top business blunders of the y...

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Posted on: Tuesday, January 6, 2009
The Heroes Earnings Assistance and Relief Tax Act (HEART Act) of 2008
 
The HEART Act is an optional benefit employers may wish to consider incorporating into their Healthcare Flexible Spendin...

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Posted on: Wednesday, December 3, 2008
Emphasizing Total Compensation in Uncertain Economic Times
 
In uncertain economic times, even the financially healthiest of organizations may be forced to freeze pay increases and ...

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Posted on: Thursday, April 24, 2008
In-Store Clinics: Convenient Primary Care at Affordable Prices
 
In-store clinics may have an edge over traditional private practice clinics for primary care treatment in several ways: ...

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Posted on: Tuesday, January 8, 2008
2008 Employee Benefit Plan New Year’s Resolutions
 
Just when you thought your 2008 New Year’s Resolution list was complete, here is a friendly reminder adding more items t...

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Posted on: Monday, August 27, 2007
Department of Labor HIPAA Audit Initiative
 
The Employee Benefits Security Administration (EBSA) of the Department of Labor recently announced that they will be lau...

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Posted on: Monday, June 4, 2007
Colorado HB 1355’s Impact on Small Group Health Insurance
 
In 2003, Colorado insurance law was reformed so that health insurers could offer premium discounts of up to 25 percent o...

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Posted on: Friday, April 20, 2007
Enhanced Website Assists with HIPAA Privacy Compliance
 
The government department responsible for overseeing HIPAA Privacy Rule compliance, Health and Human Services, announced...

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Posted on: Monday, February 5, 2007
2007 HSA Enhancements – Preliminary Details
 
As part of the Tax Relief and Health Care Act of 2006, Health Savings Accounts (HSA) have become even more appealing and...

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Posted on: Wednesday, December 13, 2006
Enhancements to Health Savings Accounts on the Horizon for 2007
 
Once it receives the President’s signature, the Tax Relief and Health Care Act of 2006 will improve some important featu...

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Posted on: Tuesday, November 7, 2006
Managing the Impact of High-Tech Medications
 
It is clear that rapidly advancing Rx technology produces cures and therapies that benefit many, if not all patients. Ho...

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Posted on: Thursday, October 12, 2006
Annual Notice Requirement to Medicare Part D Eligible Individuals
 
Ever since Oct. 1, 2005, Americans have encountered a blitz of promotional TV, radio and print ads intended to create aw...

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Posted on: Thursday, October 12, 2006
Medicare Part D Employer Annual CMS Reporting Requirements
 
On December 30, 2005 the Centers for Medicare and Medicaid Services (CMS) posted instructions on their website detailing...

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Posted on: Tuesday, August 8, 2006
Information About Medical Care Cost and Quality Empowers Healthcare Consumers
 
With the increasing popularity of consumer driven health care plans that have higher deductibles and copays, the need fo...

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Posted on: Monday, August 7, 2006
IRS Proposed Regulations Clarify Dependent Care FSA Eligible Expenses
 
In May of 2006 the IRS issued Proposed Dependent Care FSA

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Posted on: Wednesday, July 12, 2006
Community Health Pools
 
Proposed Federal legislation that would extend ERISA regulations to health insurance risk pools (aka association, commun...

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Posted on: Wednesday, April 12, 2006
FSA Grace Period and Health Savings Accounts – IRS Guidance
 
In 2005, the IRS issued Notice 2005-42 that allowed employers to amend their Healthcare and/or Dependent Care Flexible S...

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Posted on: Monday, April 10, 2006
Reminder Privacy Notice Due by 4/14/06 for “Large” Health Plans
 
Once every three years, Health Plans subject to the HIPAA Privacy Rule are required to remind plan enrollees that a Noti...

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Posted on: Friday, March 31, 2006
After 19 Years, a Thank You to our Valued Clients from the Benefit Specialists at Denman
 
The Denman team is proud to be sending you this 19th Year Anniversary Thank You. Since 1987, Denman has been providing ...

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Posted on: Monday, January 30, 2006
Accounting for Postemployment Benefits to be Required by GASB 43 & 45
 
Accounting for Postemployment Benefits is required by the Government Accounting Standards Board (GASB) as early as Fisca...

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Posted on: Wednesday, January 25, 2006
HIPAA’s Security Rule Requires Compliance by 4/20/06 for “Small” Health Plans
 
Large Health Plans (those with greater than $5 Million in Annual receipts) had to comply with the HIPAA Security Rule la...

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Posted on: Thursday, January 12, 2006
Final USERRA Regulations and Notification Requirements
 
In December 2005 the Department of Labor issued the final regulations for the Uniformed Services Employment and Reemploy...

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Posted on: Friday, January 6, 2006
Medicare Part D Reporting Requirements Issued by CMS
 
On December 30, 2005 the Centers for Medicare and Medicaid Services (CMS) posted the following instructions on their web...

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Posted on: Thursday, September 29, 2005
Medicare Part D – What Employers Need to Know
 
Beginning Oct. 1, 2005, Americans will encounter a blitz of promotional TV, radio and print ads intended to create aware...

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Posted on: Wednesday, September 7, 2005
Rx Price Facts: “Who Cares?”
 
Waste not, want not Something can be done about the high cost of health care and it starts with patients knowing...

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Posted on: Monday, July 18, 2005
Colorado Mandate Extends Dependent Child Eligibility
 
Employers who have a fully-insured health plan must comply with a new Colorado State mandate that will allow more young ...

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Posted on: Tuesday, June 21, 2005
Healthy Habits may be “Healthy” for the Bottom Line
 
While promoting healthier habits among employees and their families has the potential to save an organization money over...

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Posted on: Thursday, June 2, 2005
How will employer Medical Plans be affected when Medicare Part D benefits (Rx) become available 1/1/2006?
 
Notification to Employees Employer medical plans will be required to certify that their Rx coverage either excee...

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Posted on: Friday, May 27, 2005
IRS allows Flexible Spending Account plans to be amended to allow participants a 2½ month extension to spend dollars
 
On May 18, 2005 the Treasury Department announced a revision to the Healthcare and Dependent Care Flexible Spending Acco...

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Posted on: Thursday, April 28, 2005
Food for Thought: Will the USDA’s Latest Food Pyramid Prove Nutritious for Benefit Plans
 
The USDA’s launch of a new food pyramid has received much press in the past weeks, focusing on the need to stem the tide...

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Posted on: Friday, April 22, 2005
Final HIPAA Portability Regulations applicable to Group Health Plans for Plan Years beginning on or after July 1, 2005
 
The Department of the Treasury, Department of Labor (DOL) and Department of Health and Human Services (HHS) issued final...

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Posted on: Thursday, April 14, 2005
The insurance industry believes many Americans need Long Term Care Insurance. Are they are correct?
 
If you’ve read this far you likely have a family member or friend who has or will experience the need for Long Term Care...

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Posted on: Monday, April 4, 2005
Denman Implements Secure Email System
 
Security for Private Health Information (PHI) transmitted by Denman via email is now protected through the use of “ZixMa...

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Posted on: Wednesday, March 30, 2005
Department of the Treasury issues FAQ’s to Answer Questions Regarding Implementing HSAs
 
The healthcare industry has been buzzing about Health Savings Accounts (HSAs) since their creation in 2003 by Congress. ...

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Posted on: Monday, March 28, 2005
Getting It Right The First Time: An Informal Guide to Choosing a Benefits Consultant
 
You may have come to the conclusion that choosing a Benefits Consultant is either (1) a walk in the park on a sunny summ...

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Posted on: Wednesday, March 16, 2005
GASB 45 - Public Entities Must Book Liability for Retiree Benefits
 
Governmental Accounting Standards Board (GASB) rules apply...

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Posted on: Wednesday, July 28, 2004
Cover Colorado Medical Plan Assessment
 
UPDATE: As of May 26, 2004, the Board of CoverColorado in accordance with the provisions of H.B.01-1319, has dete...

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Posted on: Wednesday, June 2, 2004
Department of Labor Announces Final COBRA Regulations
 
The Department of Labor (DOL) issued final COBRA regulations May 26, 2004. Please refer to the link below for the full ...

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Posted on: Monday, May 24, 2004
2001 Changes in Table I Rates (Group Life Imputed Income)
 
The Internal Revenue Service (IRS) agreed to reduce rates in Table I, the schedule that determines the cost of employer-...

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Posted on: Monday, December 29, 2003
Health Savings Accounts - Good News for Medical Plan Sponsors
 
Notice 2004-2, released by the Treasury Department on 12/22/03 provided, in Q&A format, initial guidance concerning Heal...

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Posted on: Wednesday, December 3, 2003
Pharmacy Benefit Managers – Is It Time to Re-Contract?
 
One of the major conveniences for Medical Plan participants is the use of a “Pharmacy Card.” It facilitates electronic R...

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Posted on: Tuesday, November 18, 2003
Using a Health Reimbursement Account (HRA) in your Defined Contribution Health Plan
 
Background IRS Ruling 2002-41 and Notice 2002-45 outlined rules under which Defined Contribution Medical Plans c...

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Posted on: Monday, September 22, 2003
Final HIPAA Privacy and EDI Rules, Including Modifications issued by HHS August 14, 2002
 
In 1996, Congress passed the Health Insurance Portability and Accountability Act (HIPAA). Title I of HIPAA protects heal...

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Posted on: Wednesday, September 10, 2003
IRS Revenue Ruling 2003-102 Allows, But Does Not Require, Non-Prescription, Over-the-Counter Drugs To Be Reimbursed Through Employer Health FSA Plans.
 
On September 3, 2003, the Treasury Department and the Internal Revenue Service (IRS) announced in Revenue Ruling 2003-10...

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Posted on: Wednesday, September 10, 2003
2003 Colorado HB 1164 – Effective September 1, 2003 Impact on the Small Group Market
 
The 2003 Colorado House Bill 1164 (HB03-1164) became effective September 1, 2003. It allows health insurance companies w...

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Posted on: Wednesday, August 20, 2003
Self-Funded Medical Plans – Impact of Colorado HB 1188 – “No-Fault” Auto Insurance Law Repealed, effective 7/1/03
 
The 7/1/03 repeal of Colorado “No-Fault” auto insurance regulation could result in a significant cost shift (estimated 2...

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Posted on: Wednesday, August 20, 2003
Final SPD Rules Released by DOL 11/21/00
 
The Department of Labor (DOL) released final rules amending the regulations on the content of summary plan descriptions ...

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Posted on: Thursday, July 18, 2002
Investment Advice for Retirement Plans
 
ERISA Section 404(c) relieves plan fiduciaries (such as the trustee and the plan administrator) from liability relating ...

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Posted on: Friday, July 12, 2002
HMO Premiums Could Increase Up to 22% in 2003, Survey Indicates
 
Rising health care costs are of great concern to small/large employers and employees alike. The following information il...

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Posted on: Friday, July 12, 2002
Medicare Drug Benefit - What’s Happening in the 2002 Congress?
 
Legislators are picking up the pace on the Medicare prescription drug benefit for seniors legislation as the election ye...

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Posted on: Friday, July 12, 2002
Brand-Named Drugs vs. Generics - Round 1
 
During the 2000 Presidential election one of the hottest debate issues was providing a Medicare drug benefit to seniors....

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Posted on: Tuesday, June 25, 2002
Supreme Court Rules in COBRA Case - Geissel v. Moore Medical Corp. - 6/8/98
 
The question of whether or not an employer must provide COBRA continuation coverage to an employee when the employee has...

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Posted on: Tuesday, June 11, 2002
Department of Labor COBRA Notice Requirements and Other Specifics of the Law
 
General Overview of COBRA – the Law:• 1. The Consolidated Omnibus Budget Reconciliation Act was enacted in 1986...

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Posted on: Thursday, June 6, 2002
Recent Commentary by Researchers Find Possible Link Between Newer Drugs and Fewer Hospital Stays and Missed Absences at Work
 
A recent study (1996) by Columbia University Professor Frank Lichtenberg found that replacing older drugs with newer one...

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Posted on: Monday, June 3, 2002
Supreme Court Decision on Subrogation - What Does it Mean to Plan Sponsors?
 
Group Health and Disability Planscovered by ERISA routinely seek to recover benefit amounts paid when there is a respons...

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Posted on: Monday, June 3, 2002
Women’s Health and Cancer Right Act - Sample Notice
 
The following is an example of what the WHCRA notice consists of: Women’s Health and Cancer Rights Act of 1998...

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Posted on: Monday, June 3, 2002
Women’s Health and Cancer Rights Act of 1998
 
The Women’s Health and Cancer Rights Act was signed into law October 21, 1998. It requires most group health plans to pr...

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Posted on: Monday, June 3, 2002
Sample COBRA Notice
 
The following is a sample COBRA notice that may be used to send out to participants and qualified beneficiaries when a q...

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Posted on: Monday, June 3, 2002
Court Rules COBRA Election Notice Mailed First-Class Shows Good Faith Effort for Compliance with DOL Regulations
 
In the case of Gibbs v. Finkl & Sons (U. S. District Court, ND Illinois, February 25, 2002) the Plan Administrato...

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Posted on: Friday, May 31, 2002
State Law Does Not Determine Self-Funded Subrogation Clause
 
"When an ERISA plan purchases stop-loss insurance, it retains liability to plan participants for the full extent of...

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Posted on: Friday, May 31, 2002
Mental Health Parity Act Extended to December 31, 2002
 
On January 10, 2002 President Bush signed the 2002 Appropriations Act for the Departments of Labor, Health and Human Ser...

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Posted on: Friday, May 31, 2002
Final Medical Child Support Notice Released
 
The Department of Labor, on Dec. 27, 2000, released a notice that will take effect in just a few weeks, on January 26, 2...

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Posted on: Friday, May 31, 2002
No Tax for Personal Use of Frequent Flier Business Miles for Federal Employees, IRS Says 5/31/2002
 
The Internal Revenue Service said Feb. 20, 2002 in Announcement 2002-18 that it will not attempt to tax frequent flie...

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Posted on: Friday, May 31, 2002
HIPAA Nondiscrimination Rules Released January 8, 2001
 
Interim final rules and proposed rules on the nondiscrimination provisions in the ’Health Insurance Portability and Acco...

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Posted on: Tuesday, May 28, 2002
Supreme Court Decision on March 19, 2002 Makes Family Leaves Easier for Employers
 
The Supreme Court made it easier for companies to comply with the federal law guaranteeing many workers 12 weeks of annu...

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Posted on: Tuesday, May 28, 2002
Patients Bill of Rights - The Debate Continues
 
In the House and Senate - Where the Differences Lie The Bipartisan Patient Protection Act, H.R. 2563, w...

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Posted on: Tuesday, May 28, 2002
Furnishing Benefit Plan Documents to Dept. of Labor - Final Rule
 
On January 7, 2002, the Department of Labor released the final regulations that will implement the amendments to ERISA t...

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Posted on: Friday, May 24, 2002
Summary Of Major Reports Required By ERISA – Updated 3/2002
 
ERISA requires all pension and welfare benefit plans to file certain reports with government agencies, as well as furnis...

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Posted on: Friday, May 24, 2002
Final COBRA Rules Issued by IRS January 10, 2001
 
The Internal Revenue Service has issued final supplementing regulations and clarifications to the proposed regulations i...

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Posted on: Friday, May 24, 2002
Weight-Loss Programs May Be Tax Deductible for Individuals, IRS Announces April 2, 2002
 
The Internal Revenue Service today issued a ruling explaining conditions under which expenses for certain weight-loss...

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Posted on: Friday, May 24, 2002
Law Permits Employers to Offer Increased Qualified Transportation Benefits (QTB)
 
Employers now can offer a bigger incentive to employees to commute by mass transportation under the Transportation Eq...

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Posted on: Friday, May 24, 2002
Can Individual Policies be Reimbursed through a Cafeteria Plan?
 
It is possible to fund some individual health policy premiums through salary reduction on a pre-tax basis outside...

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Posted on: Friday, May 24, 2002
Failure to Cover Contraceptives Ruled Discriminatory by US District Court
 
(Note: To date, there has not been any federal law passed requiring contraceptive coverage for all employers. The dec...

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Posted on: Thursday, May 23, 2002
Final Rules Relating to Use of Electronic Communication and Record-keeping Technologies by Employee Pension and Welfare Benefit Plans
 
The U. S. Department of Labor published the final rules expanding the options available for employee benefit plans inter...

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Posted on: Friday, May 17, 2002
Claims Procedure Compliance Deadline is Set
 
The Department of Labor has no plans to extend for a second time the compliance deadline for a final regulation gover...

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Posted on: Friday, May 10, 2002
Claim Procedure Final Rules - Announced 11-21-00
 
On November 21, 2000, the U. S. Department of Labor (DOL) issued the final rule adopting new standards for the processin...

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Posted on: Monday, May 6, 2002
Auto Insurance and Medical Care Costs
 
Vehicle owners understand that their personal driving record, the type of vehicle they drive and how much they drive inf...

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Posted on: Friday, April 5, 2002
April 5, 2002: IRS Eliminates Form 5500 and Schedule F Reporting Requirement for Cafeteria Plans
 
The IRS has just announced that employers are no longer required to file annual information returns (Schedule F attached...

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