Volume 6, Number 1



Health Care Reform Updates

Quick! Check Your Flex: Part II

Benefits in Brief


Historically, employees who were not eligible or not enrolled in the group health plan were nonetheless able to participate in the health flexible spending account. This was a great perk that employees with as few as 20 hours a week were able to enjoy. However, this is now a compliance violation. If you have employees in the flex plan who are not eligible for medical coverage, you could be hit with a penalty of up to $100 a day for each violation. Click here to read more. 



CCR - Calendar

Amendment Needed in 2015


All group health plans beginning compliance with the employer mandate this year must amend their plan documents to include additional eligibility wording. The good news is that there are still a few months left to take action. There is an additional requirement to distribute a summary of material modification (SMM) to participating employees. The plan document should be amended as soon as possible, and the SMM must be distributed no later than 210 days after the end of the 2015 plan year, unless the new language is included in a revised SPD.

Enlighten Header_Wellness
Gallup's Top 10 Well-Being Discoveries of 2014

Employee Benefits News


Throughout the past year, Gallup has published nearly 90 articles about Americans' health and well-being. 


The Gallup-Healthways Well-Being Index uncovers new insights with its daily surveys, providing the most up-to-date data available on Americans' sense of purpose, social relationships, financial security, connection to community and physical health. Click here for Gallup editors' picks for the top 10 most important findings in 2014.


If you are not a regular subscriber to Enlighten, or our special edition issues, please join our distribution list to receive our regular e-newsletters. 


Client Reminder: More information regarding Health Care Reform and other benefit resources is available on the HR360 website, available to BSG clients under the "Resources" menu of your HR Express website.
BSG subscribes to this service for your benefit. If you would like to learn more regarding this resource, please contact your account management team at BSG.
Additional Tools:
  • Pay or Play Toolkit
  • Health Care Reform Checklist
  • Performance Review Builder


Click here to view previous articles. 

Click here to view HCTrends library. 

BSG Events  

Health care reform will continue to generate significant interest in 2015. Gerald W. Frye, President and owner of BSG, will be attending a CEO Roundtable for a Q & A on the topic on Tuesday, February 10, 2015 with a number of other industry experts. This event will be covered by the Milwaukee Business Journal and is sponsored by the Lubar School of Business at the University of Wisconsin-Milwaukee.

Enlighten is published by The Benefit Services Group, Inc. (BSG®), and is provided free of charge to select BSG client representatives and associates.


By providing links to other sites, BSG does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to BSG.


The preceding is not intended to be and is not offered as legal advice. We are prohibited from the practice of law. Compliance is the responsibility of the employer or Plan sponsor and affected employees who should seek their own legal counsel regarding questions about information presented in this newsletter.


Copyright© 2015 The Benefit Services Group, Inc. (BSG®) is a registered trademark of The Benefit Services Group, Inc.