September 2013

September, 24 2013
Important Changes for BCBSIL Individual Policies

Beginning October 1, 2013, Blue Cross Blue Shield of Illinois will begin communicating important changes affecting non-grandfathered individual health insurance policies.

PDF/305.62 KB

August 2013

August, 22 2013
Model Marketplace Notice Template

The ACA requires employers to provide employees with a notice about the Exchanges by Oct. 1, 2013. This cover letter can be provided with the Exchange notice to help explain what the notice means. If an employer provides information about its current health coverage in the Exchange notice, the cover letter can help clarify that the plan's coverage in 2014 will be used to determine eligibility for Exchange subsidies. The letter requires customization.

August, 22 2013
Model Exchange Notice - No Coverage Offered

The ACA requires employers to provide all new hires and current employees with a notice about the health insurance Exchanges being set up in each state. These notices must be provided by Oct. 1, 2013. The DOL issued this model notice for employers that do not offer a health plan to use.

PDF/206.89 KB
August, 15 2013
Exchange Notice Requirements for Employers

The ACA requires employers to provide all new hires and current employees with a written notice about the Exchanges. The DOL calls this notice a "Notice to Employees of Coverage Options." This notice was originally required to be provided by March 1, 2013, but that deadline was delayed. On May 8, 2013, the DOL set a compliance deadline of Oct. 1, 2013, and also released model notices for employers to use.

PDF/208.47 KB

July 2013

July, 12 2013
Announcing Governmental Risk Insurance Partners Program

We understand the unique challenges government entitles face every day. That's why Wine Sergi has partnered with the market-leading providers of property and casualty insurance that offer products and services exclusively for governmental entities.

PDF/78.05 KB
July, 12 2013
BizAssure: Business Solutions for Government Entities

Recognizing the risks that government entities must deal with doing business today, go far beyond exposures that are addressed by insurance alone.

PDF/125.09 KB
July, 10 2013
Comprehensive ACA Timeline

Despite the recent delay in the employer mandate, many ACA have either already gone into effect or are scheduled to take effect in 2014. It is critical for employers to be familiar with these varying provision effective dates to maintain ongoing compliance with the law.

PDF/249.94 KB
July, 03 2013
ACA - What has been delayed and what has not?

The Obama Administration has postponed the Affordable Care Act (ACA) large employer mandate penalties until 2015. This does not affect any other provisions of ACA, including individuals' access to premium tax credit for coverage on a Marketplace (see FAQ below for more information).

PDF/202.44 KB

June 2013

June, 20 2013
Insurance Marketplace FAQs

Beginning in 2014, individuals will have the opportunity to enroll in qualified coverage through a Marketplace (formerly referred to as an "Exchange"). It is important for individuals and employees to understand the inter-workings of this new health insurance distribution channel, as they may or may not qualify for advance premium tax credits and cost-sharing subsidies.

PDF/1.63 MB

May 2013

May, 21 2013
Legislative Update - Defined Contribution Strategy

Under a defined contribution health plan, an employer gives its employees a fixed contribution to purchase health insurance coverage.

PDF/205.19 KB
May, 14 2013
New Health Care Reform Calculators Available!

Wine Sergi & Company LLC is pleased to announce the addition of two new health care reform compliance tools to its library of resources.

PDF/321.36 KB
May, 09 2013
Model Exchange Notice Released

The ACA requires employers to provide all new hires and current employees with a notice about the health insurance Exchanges being set up in each state. These notices must be provided by Oct. 1, 2013. The Department of Labor has issued this model notice for employers that offer a health plan to some or all employees to use.

PDF/220.85 KB

March 2013

March, 26 2013
Delinquent Filer Voluntary Compliance Program (DFVCP)

Eligibility requirements, penalty structure and participation procedures for DFCVP are spelled out.

PDF/180.28 KB
March, 19 2013
HHS Proposes Delay to Key Aspect of SHOP Exchanges

New transition policy would delay implementation of the employee choice model as a requirement for all SHOPs until 2015 plan years.

PDF/176.12 KB
March, 12 2013
“Pay or Play” Penalty - Transition Relief for Fiscal Year Plans

Proposed regulations from IRS contain important transition relief for plans that do not operate on a calendar year basis (fiscal year plans).

PDF/187.56 KB

February 2013

February, 26 2013
FAQs on the Individual Mandate

The IRS issued a set of 24 questions and answers for individual taxpayers relating to the individual mandate to obtain health insurance for themselves and family members.

PDF/226.12 KB
February, 21 2013
DOL Updates Model FMLA Forms

Information is provided regarding updated notices, model posters and GINA requirements under the Family and Medical Leave Act.

PDF/163.21 KB
February, 07 2013
“Pay or Play” Penalty – Identifying Full-time Employees

The proposed regulations provide guidance on an optional method for identifying full-time employees for purposes of determining and calculating an employer’s potential liability for a shared responsibility payment

PDF/221.2 KB

January 2013

January, 25 2013
Exchange Notice Requirements Delayed

Employers will not be held to the March 1, 2013 deadline to provide all new hires and current employees with a written notice about ACA’s health insurance exchanges.

PDF/190.94 KB
January, 21 2013
Final Rule Issued on HIPAA Privacy and Security Protections

HIPAA Rules have been modified to enhance a patient’s privacy protections, provide individuals new rights to their health information and strengthen the government’s ability to enforce the law.

PDF/173.72 KB
January, 15 2013
Employer Penalties – Affordability Safe Harbors

Three affordability safe harbors are described that employers may use to determine whether their health coverage is affordable

PDF/204.31 KB
January, 14 2013
“Pay or Play” Penalty – Common Ownership Aggregation Rules

IRS released long-awaited proposed regulations on ACA’s employer shared responsibility provisions

PDF/179.66 KB
January, 02 2013
FAQs on the Employer Shared Responsibility Provisions

The IRS issued questions and answers on the employer shared responsibility provisions to help employers comply with the “pay or play” requirements.

PDF/218.6 KB