Blog

A Cautionary Tale: Self-Funded Plan Administrators Must Meaningfully and Effectively Communicate With Plan Participants and Their Providers on Appeal

A Cautionary Tale: Self-Funded Plan Administrators Must Meaningfully and Effectively Communicate With Plan Participants and Their Providers on Appeal

Sponsors of self-funded ERISA plans have fiduciary obligations to plan participants, which includes the obligation to provide a full and fair review of claims and effectively and meaningfully...

Q1 Considerations: Affordability for Applicable Large Employers

Q1 Considerations: Affordability for Applicable Large Employers

Under the ACA, Applicable Large Employers (ALEs) are required to offer “affordable” medical coverage to full-time employees or be subject to a fine. In September 2023, the IRS announced that...

Three Key Considerations for Large Employers

Three Key Considerations for Large Employers

Early in the year is the time for employers who are approaching or over 50 employees to document and update the “key components” of being a larger employer, to ensure that no compliance...

Pregnant woman in pink shirt consulting with a female doctor in a bright medical office.

The importance of women’s health concerns in employee benefits design

Women’s Health Month 2024 coincides with jarring controversy and growing concern over challenges and inequities regarding women’s health in general and one area in particular: maternal...

SF HCSO Annual Employer Reporting is Back

SF HCSO Annual Employer Reporting is Back

After being waived in 2019 and 2020 due to the pandemic, the San Francisco Health Care Security Ordinance (HCSO) annual employer reporting is back in effect. Employers must report on their 2021...

Have you outgrown your PEO?

Have you outgrown your PEO?

In a company’s early days, engaging a professional employer organization (think TriNet, Sequoia One, or ADP PEO, etc.) is practical. Outsourcing employee management tasks such as employee benefits and payroll...

The Hazards of Making a Health Plan Exception

The Hazards of Making a Health Plan Exception

Allowing health plan changes outside of open enrollment without a permitted mid-year election change is risky. Doing so may lead to the following: 1. Cancellation of your group health insurance...

Open Enrollment: Employee Spending Account Education

Open Enrollment: Employee Spending Account Education

It's peak open enrollment season at Lumity, and I wanted to share one of my favorite PowerPoint presentations. It's an employee education deck around spending accounts.  During open...

Health Savings Accounts 101 Slideshow

Health Savings Accounts 101 Slideshow

Open enrollment season is upon us! For employers that offer an HSA-eligible plan, we've put together a slideshow you can use to educate your employees about Health Savings...