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Associated Benefits and Risk Consulting - Expertise


Counting plans: What is a bundled wrap document, and should I have one?

Every health and welfare plan (health, dental, vision, short-term disability, long-term disability, AD&D, Health FSA, etc.) subject to ERISA that has 100 or more participants on the first day of the plan year is required to file a Form 5500 with the federal Department of Labor (DOL) seven months after the end of the plan year. There’s a lot of to unpack in that statement, but a hidden issue that often gets overlooked is just how many plans are there.

Your most common military leave questions answered

Most employers are aware that employees are entitled to take leaves of absence to participate in military service, but many employers are unsure of the extent of their obligations and rights when it comes to military leaves. This article addresses the questions we are most commonly asked regarding the federal Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA). 

Why is it so difficult to ensure your wellness program complies with the ADA and GINA?

Let’s say that one of the components of your wellness program involves biometric screening that uses discounts on insurance premiums as an incentive to get people to go through the screening. The government has seen fit to issue all sorts of regulations that control the way that many common wellness program practices can be performed. What are you supposed to do now?

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