AJM Associates, Inc.
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Karl J. Ruth Jr.
- Jun 22, 2018
- 3 min
Association Health Plans (AHPs)
The Department of Labor (DOL) released a final rule on June 19, 2018 to allow new options for associations to sponsor health plan for their members and broadens the criteria for both businesses and self-employed individuals. The new rule allows them to band together SOLELY to establish health insurance coverage as well as expand access across state lines under the revised commonality-of-interest test. Commonality-of-Interest Test: In the same trade, industry or profession th
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Karl J. Ruth Jr.
- Jun 1, 2018
- 2 min
Affordability Threshold Increases In 2019
The IRS announced on May 21, 2018 the 2019 increase on the shared-responsibility affordability percentage in Revenue Procedure 2018-34. For plan years beginning in 2019, the Affordable Care Act’s (ACA) affordability contribution percentages are increasing as follows: 9.86% under the pay or play rules 9.86% under the premium tax credit eligibility rules 8.3% under an exception from the individual mandate* * it should be noted that as a result of the tax reform bill (Tax Cuts a
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Karl J. Ruth Jr.
- Apr 16, 2018
- 1 min
Informed On Reform
The Michigan Department of Insurance and Financial Services (DFIS) has approved CMS's ruling to extend pre-ACA health plans through December 31, 2019. Under the 2019 Transitional Extension, this would mean small group and individual plans that had been renewed continuously since January 1, 2014 are permitted to renew again with the policy ending on or before December 31, 2019. http://www.michigan.gov/documents/difs/ACA_18-030-M_620656_7.pdf #EmployeeBenefits #Compliance
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Karl J. Ruth Jr.
- Mar 6, 2018
- 3 min
Are You Disability Claims Ready?
The Department of Labor (DOL) confirmed the final disability claims regulations on January 5, 2018. These regulations are effective for all claims filed on or after April 1, 2018. Originally the regulation was to take effect on January 1, 2018; however, the DOL issued a 90-day delay in October 2017. Insurers, self-insuring employers, other coverage providers, and applicable large employers must furnish statements to employees or covered individuals regarding the health care
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