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Monthly Archives: September 2012

  • Summary of Benefits Coverage

    Posted on September 17, 2012

    Employers of all sizes must provide a Summary of Benefits and Coverage for group health plans beginning with:

    • The first open enrollment beginning on or after Sept. 23, 2012
    • The start of the first plan year beginning on or after September 23, 2012 for those who don’t go through open enrollment (new hires, special enrollees)

    This means that most calendar year plans will need to provide the SBC with their open enrollment materials this fall, and make sure that new hires get the SBC starting Jan. 1, 2013. Read More >>

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  • PPACA – What are the implications for employers?

    Posted on September 17, 2012

    Action Required. Health Care Reform: Entire PPACA Held Constitutional. Decision handed down June 28, 2012.

    What are the Implications for Employers?

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  • Health Care Reform: What’s coming in 2013

    Posted on September 11, 2012

    Below is the link to the recent UBA webinar: “Health Care Reform:  What’s Coming in 2013”.

    Your name and email are required for registration.

    Although the “main event” of health care reform does not take effect until 2014, sponsors and administrators of employer group health plans will not want to ignore a number of requirements taking effect in 2013.  These include the following:

    • The new summaries of benefits and coverage
    • Issuance of the first W-2s that must report the value of employer-provided health coverage
    • A $2,500 annual cap on salary reduction contributions to health flexible spending accounts
    • An additional 0.9 percent Medicare tax on all wages in excess of $200,000
    • Employers’ obligation to notify their employees of the new health care exchanges
    • Payment of the first annual “comparative effectiveness fee” by health plans and insurers
    • Additional first-dollar preventive care services (including the controversial contraceptive coverage)

    Noncompliance with any of these health care reform requirement could result in stiff daily penalties.  This webinar will provide practical guidance on how to comply with these requirements, thereby heading off those penalties.


    Kenneth A. Mason, Partner – Spencer Fane Britt & Browne LLP

    Ken heads the Employee Benefits Group. He concentrates on ERISA and other aspects of employee benefits law, including both tax and fiduciary issues, substantial involvement with retirement and welfare plans, executive deferred compensation, federal employment discrimination statutes, and issues unique to governmental and other tax-exempt employers.


    Julia M. Vander Weele, Partner – Spencer Fane Britt and Browne LLP

    Julia practices in the firm’s Employee Benefits Group.  She is also a member of the ERISA Litigation Group.  Prior to joining Spencer Fane, Julia worked as in-house counsel for Fortis Benefits Insurance Co., where she managed ERISA litigation and advised senior management on other ERISA issues related to group disability, life and dental products.

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    Please feel free to watch/listen to this whenever it is convenient for you and your staff. It will be available for you to view for the next 11 months. There is no cost however, this webinar has been approved for one credit hour toward PHR, SPHR and GPHR recertification through the HR Certification Institute. Once you have viewed the webinar, the last page will provide details on receiving the credit hour.

    These webinars are designed to help keep you up to date on pertinent employee issues. We hope that you find this information valuable.

    If you would like to be removed from our distribution list or if there is someone else in your organization that you would like to receive this, please contact Karen Soule. (

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