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ERISA
Do not-for-profit employers have to comply with ERISA?
Which employers do not have to comply with ERISA?
ERISA
Can an employer have different renewal dates for benefits contained
a wrap document?
Why is a plan year do important?
ERISA
Can an employer put the name of a plan on a checking account?
What happens if the employer does that?
HRAs
Can an employee participate in a HRA if he or she is covered under
another employer’s group health plan?
Cafeteria Plans
What is the impact on the Health FSA if the employer allows an
employee to participate in the Health FSA and he or she is not
eligible to participate in the employer’s group medical plan?
Cafeteria Plans
Can a cafeteria plan contain different eligibility requirements for
different employee groups?
Cafeteria Plans
What is the impact if an employer allows employees to pre-tax
voluntary benefit premiums?
Cafeteria Plans
Can an employee be allowed to drop coverage during the year if he
or she deems it unaffordable?
HSAs
An employee is covered by a HDHP. He also covers his spouse.
His spouse has other coverage that is not a HDHP. Can he
contribute at the family coverage level?
HSAs
• An employee covers himself, his wife and their sons age 21, 22
and 24 in a HDHP. He does not claim his sons as tax
dependents.
• Are his son’s eligible to contribute to their own HSA. If so, how
much?
• Can the employee reimburse his son’s medical expenses from his
HSA?
HSAs
An employee participates in a HDHP with his wife and children. His
wife also participates in a health FSA at work. She can be
reimbursed for his medical expenses under the Health FSA, but
does not submit any for him for the year.
Does that affect his eligibility to contribute to an HSA for the year?
HSAs
Can a husband and wife have a joint HSA?
If an individual has single coverage and contributes at the single
coverage rate can he or she reimburse expenses for his wife and
children?
HSAs
Can an employee elect out of a Health FSA before the end of the
plan year, if he or she becomes covered under a HDHP?
ACA
Can a small employer require an employee to work 40 hour per
week to be eligible for medical coverage?
ACA
Does an employer have to provide an annual enrollment each year,
even for those employees who waived coverage?