Your Top ACA Questions Answered!: bswift Blog

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Your Top ACA Questions Answered!

by bswift

June 15th, 2016

When it comes to the Affordable Care Act, it often seems like the more we learn about it, the more questions we have. In February, we covered some key ACA topics in a #bWebinar aptly titled, “ACA Regulatory Roundup: The Top 10 Things You Need to Know Now.” Since then, we thought of a few extra nuggets of information that could prove valuable as you plan your benefits strategies for the years ahead.

Check out the webinar on-demand and read the extended Q&A below with session speakers Don Garlitz and Mary Bauman to learn even more about the ACA’s hidden complexities.

  1. If an employee is on a leave of absence that triggers COBRA eligibility, is this still considered a valid offer of coverage under ACA requirements if he is offered continuation of benefits under COBRA and is still technically listed as an employee?

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  2. If short-term disability is paid at less than 100% pay, how do I count hours? 60% pay equals 60% of hours?

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  3. How do you define a controlled group where there are partners of different percentages involved in multiple companies?

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  4. With respect to the clarification on disability hours for purposes of the look-back period, how would it be handled if the employer pays for the base long-term disability (e.g. benefit of 50% of earnings), but the employee can buy-up (e.g. to 66 2/3%) with after-tax dollars?

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  5. My client has a six-month look-back period, which happened this month. For employees that continue to be eligible for coverage, are we required to hold a mid-year enrollment and allow the employees to make elections?

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  6. I'm an employer located in a U.S. territory. Individuals here are exempt from the shared responsibility. Would I, the employer, still be required to file a Form 1095-C?

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  7. How do you count hours for an employee if the employee is on an unpaid leave of absence not related to FMLA?

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  8. Will a defined contribution plan design work if you put it all in one bucket but "earmark" the health plan as the first plan that will always get used first—so it ensures the employee is only ever paying the health minus defined contribution?

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  9. How is affordability different for a tobacco user vs. non-tobacco user for a company that offers non-tobacco incentives?

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  10. In regards to the waiver incentive, does this mean the Section 105 Medical reimbursement is no longer? If so, effective when?

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  11. Does the Cadillac tax not affect employers that always offer benefits as 100% employer-paid?

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  12. Are the PACE [Protecting Affordable Coverage for Employees Act] guidelines indefinite? Will employers in that 51–99 employee segment be considered small groups in the near future?

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  13. We file Form 1095 this year for our 59 employees enrolled. How does the PACE Act change our obligation for next year?

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  14. Can you recap the webinar’s ACA Top 10 list

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