BORISLOW INSURANCE
Way Beyond Brokerage 
Dollars and Sense:
Health Plan Affordability for Applicable Large Employers
Tuesday, April 12, 2016 - 2 p.m. ET / 11 a.m. PT

★  ★ Don't Forget! ★ ★
Last month's webinar can be viewed using the links in the blue box below!

 
Applicable large employers (ALEs) are required to provide affordable health coverage to their full-time employees. Affordability is considered to be no more than 9.66 percent of an employee's household income. In addition to multiple safe harbors that an employer can use to make its affordability calculations, affordability can be influenced by wellness programs, opt-outs or cash waivers, flex credits, and health reimbursement arrangements (HRAs). Employees that are offered affordable health coverage are ineligible for an advance premium tax credit or subsidy in the Marketplace.

This webinar will discuss all the factors that affect affordability, how employers can calculate affordability, and best practices for selecting an affordability safe harbor.

This webinar will:
  • Explain what is considered "affordable" and how affordability is calculated
  • Discuss the three affordability safe harbors (W-2, federal poverty level, and rate of pay) and how they are calculated
  • Explain when certain affordability safe harbors cannot or should not be used for a particular employee population and discuss best practices for selecting and documenting affordability safe harbors
  • Explain how wellness program incentives and penalties affect affordability
  • Explain how HRAs may affect affordability, depending on their design
  • Provide information on the difference between a conditional opt-out waiver and an unconditional opt-out waiver, and how they affect affordability
  • Discuss flex credits and provide information about how they affect affordability
  • Provide best practices for educating employees about what "affordable" means and the impact on employees, their spouses and dependents, in relation to subsidy eligibility
PRESENTER
Kathleen R. Barrow is a Principal in the Rapid City, South Dakota, office of Jackson Lewis P.C. She has designed welfare benefit plans and executive compensation arrangements, and has counseled sponsors and administrators of these types of plans, for 15 years.

Ms. Barrow has appeared on behalf of clients before the national offices of the United States Treasury and the Department of Labor Employee Benefit Security Administration.

Ms. Barrow actively participates in national coalitions of counsel that assist employers in defending audits of welfare and pension benefit plans. She advises clients and counsel across the country with regard to defined contribution arrangements that provide post-retirement health benefits to employees.

While attending law school, Ms. Barrow was a Managing Editor of the Oklahoma Law Review. After law school, Ms. Barrow clerked for the Honorable David L. Russell, Chief Judge for the United States District Court for the Western District of Oklahoma.


Important: Through our partnership with United Benefit Advisors (UBA) we have made a block of seats available for our clients to register for this webinar free of charge.  When registering please enter the priority code UBA615EW to reduce the cost of this webinar from $200 to $0. 
To view the recorded version of March's webinar titled 
"Plan Documents 101: Who Needs What and Best Practices"
at no cost please CLICK HERE.
 To download the slides please CLICK HERE. 

This series is brought to you by your Partner Firm of United Benefit Advisors - a unique community of more than 140 advisory firms with Partners in more than 46 states, Canada and the United Kingdom and the nation's leading independent employee benefits advisory organization - and founded in 1958, Jackson Lewis, dedicated to representing management exclusively in workplace law, is one of the fastest growing workplace law firms in the U.S., with over 700 attorneys practicing in 49 locations nationwide.

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