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Compliance Bulletin: Medicare Part D Disclosures Due by March 1, 2019 for Calendar Year Plans

Each year, sponsors of group health plans are required to indicate to the Centers for Medicare & Medicaid Services (CMS) whether their plan’s prescription drug coverage is creditable or non-creditable. … Continued

New 401(k) Could Be Windfall for Small Businesses, Workers

Forty years ago, Congress passed the Revenue Act of 1978 and added a single paragraph marked “(k)” to another wise yet obscure section of the Internal Revenue Code.Read Article Here

ACA Compliance Bulletin: ACA Individual Mandate Penalty No Longer Applies

On December 22, 2017, the Tax Cuts and Jobs Act was signed into law. With this act, the individual shared responsibility (or individual mandate) penalty under the Affordable Care Act … Continued

Compliance Overview: Key HSA Features - 2019 Compliance

A Health Savings Account (HSA) is a type of medical savings account that has become popular due to the tax-advantages it provides for those enrolled in a High Deductible Health … Continued

Benefits Brief: 2019 Health Plan Compliance Calendar

The attached Benefits Bulletin details important deadlines for upcoming 2019 deliverables.  This document outlines various important benefits compliance dates beginning January 31, 2019 when employers that filed 250 or more … Continued

Cowden Times - Volume 18

Inside this Issue: Cowden News Cowden Associates, Inc. Hires Top Talent for Health and Benefits, Retirement/Actuarial and Compensation Practices Industry News Joint Select Committee on Solvency of Multiemployer Pension Plans … Continued

Benefits Bulletin: Despite Judge's Ruling, the Affordable Care Act Remains in Full Effect

On Friday, December 14, 2018 a federal judge in Texas ruled that without the individual mandate penalty, the Affordable Care Act (ACA) is unconstitutional and the entire law is invalid.  … Continued

ACA Compliance Bulletin: Impact of Individual Coverage on the ACA's Pay or Play Rules

Federal agencies have proposed a rule to expand the usability of Health Reimbursement Accounts (HRAs). As a result, the Internal Revenue Service (IRS) issued Notice 2018-88 to begin developing guidance … Continued

ACA Complianace Bulletin: Health FSA Limit Will Increase for 2019

The Internal Revenue Service (IRS) has increased the dollar limit on employee contributions to health Flexible Savings Accounts (FSAs). Beginning in 2019 the FSA contribution limit is $2,700. Employers should … Continued

ACA Compliance Bulletin: Final Regulations Expand Exemptions from the Contraceptive Mandate

The Department of Labor (DOL), Health and Human Services (HHS), and the Treasury recently finalized two rules expanding exemptions from the Affordable Care Act’s (ACA) contraceptive mandate. These rules apply … Continued