Everything we have published on how employer coverage actually works — what moves a renewal, what the law requires of you, and what to ask before you sign anything. Search it, or narrow it to the part of the problem you are in. Start with our health and cost strategy to see how the pieces fit together.
Nothing matches that combination. Clear the search, or ask us the question directly.
We would rather write the next one about something an employer actually needed.
The laws and rules named on this page link to the statute or regulation they come from. This is general information, not legal or tax advice, and rules change, so check the current text.
The federal law that sets reporting, disclosure and fiduciary rules for employer-sponsored benefit plans.
Requires many group health plans to offer temporary continuation coverage after a qualifying event.
The 2010 health reform law, with later amendments, behind employer coverage, reporting and market rules.
The statute behind employer reporting of offers of coverage on Forms 1094-C and 1095-C.
Job-protected leave and group health coverage continuation for eligible employees.
The tax code section that lets employees pay certain benefit premiums before tax.
Tax rules for health savings accounts paired with qualifying high-deductible health plans.
Defines creditable coverage for Medicare Part D disclosure and notice rules.
Michigan law on paid sick time accrual, use and notice.
Four plain answers about what we have published.
Everything we have published on how employer coverage works: what moves a renewal, what the law requires of you, and what to ask before you sign anything.
Topics include ERISA, COBRA, the Affordable Care Act and ACA reporting, the Family and Medical Leave Act, cafeteria plans, health savings accounts, creditable prescription coverage and the Michigan Earned Sick Time Act.
No. They are general information. Plan specific questions belong with your attorney or ERISA counsel, and we will bring them in.
Send it to us. If the answer is not in the library, we will point you to the right guide.
Ready? Send us your renewal, or talk it through with someone first.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
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