Talk to a

FROST EMPLOYEE

BENEFITS ADVISOR

(866) 227-2099


Or request a call or email

Tools and Resources

​From compliance support to online training and benefits information, we offer a range of tools and resources for businesses. Explore Tools and Resources

MID-SIZE EMPLOYERS SHOULD PROCEED CAUTIOUSLY WHEN CONSIDERING AN EARLY RENEWAL STRATEGY

Mid-size employers may be hearing from carriers regarding an early renewal strategy, allowing them to take advantage of a transitional policy that delays the impact of certain ACA market reforms by modifying their plan early. However, employers with 50 to 99 full-time employees should proceed cautiously as they may unknowingly subject themselves to far more expensive penalties under a separate area of the ACA.
Read this compliance tip

SUPREME COURT UPHOLDS ACA EXCHANGE SUBSIDIES

The Supreme Court recently released its highly anticipated opinion in King V. Burwell, voting to uphold the availability of subsidies in all Exchanges, even those established by the federal government. Get a “hot off the presses” summary of the opinion and what it means for your business, here.
Read this compliance tip

SUPREME COURT RULES SAME-SEX MARRIAGE BANS UNCONSTITUTIONAL

Although the Supreme Court ruling in Obergefell v. Hodges requires a state to license a marriage between two people of the same sex, it did not address the effect of this decision on employment and employee benefits. The Frost Compliance team will keep you apprised of new developments as guidance from federal and state agencies is received.
Read this compliance tip

APPLICABLE LARGE EMPLOYERS SHOULD REVIEW HEALTH PLAN ELIGIBILITY PROVISIONS

Under the ACA’s employer mandate, applicable large employers must “pay or play” when it comes to healthcare coverage. In order to avoid unintended penalties, these employers should ensure that their health plan documents accurately reflect changes they have made or will make to their eligibility. See what you need to know.
Read this compliance tip

DELIVERING THE SUMMARY OF BENEFITS AND COVERAGE (SBC) IN A CULTURALLY AND LINGUISTICALLY APPROPRIATE MANNER

Group health plans and health insurance issuers must make certain accommodations when delivering certain notices, like the Summary of Benefits and Coverage, to counties where 10% or more of the population is only literate in a language other than English. See how to determine if you need to make these accommodations.
Read this compliance tip

WELLNESS COMPLIANCE, PART ONE

Do you fully understand all your obligations under federal wellness rules? This tip focuses on ensuring that a wellness program complies with non-discriminatory rules and that design and terms are properly documented.
Read this compliance tip

ELECTRONIC SAFE HARBOR REQUIREMENTS

To ease the paperwork burden on Affordable Care Act plan sponsors and administrators, the Department of Labor rules allow for certain documents to be disclosed electronically under certain conditions. Learn about what it takes to qualify for electronic safe harbor of ACA documents.
Read this compliance tip

SPECIAL ACA ENFORCMENT BRIEFING PART I

The IRS recently released two drafts of forms and sets of instructions for applicable large employer reporting requirements under the Affordable Care Act: Forms 1094-C and 1095-C. Find out how you will be impacted and familiarize yourself with what you will be reporting for the 2015 calendar year.
Read this compliance tip

TRANSITIONAL REINSURANCE FEES

Transitional reinsurance is an Affordable Care Act program established to help stabilize premiums in the individual market from 2014 through 2016. If you are an employer sponsoring a self-insured health plan, you will have obligations under this program. This tip covers how to effect payment of the transitional reinsurance fee and answers FAQs about the program.
Read this compliance tip

IRS ISSUES A TRILOGY OF NOTICES THAT IMPACT EMPLOYER-SPONSORED HEALTH PLANS

The myriad of requirements emanating from health care reform can be confusing. The IRS recently issued a trilogy of notices that answer questions related to employer-sponsored health plans. Learn about Notice 2014-55, 2014-49 and 2014-56.
Read this compliance tip

HEALTH PLAN IDENTIFIER (HPID) REQUIREMENTS AND HIPAA STANDARD TRANSACTIONS

What is an HPID, exactly? Learn what an HPID is, what the standard transaction and HPID requirements are, and how to obtain an HPID number.
Read this compliance tip

ARE YOU AN APPLICABLE LARGE EMPLOYER?

Employers considered to be "Applicable Large Employers" are subject to employer shared responsibility provisions of the Affordable Care Act. Learn how to determine the size of your business.
Read this compliance tip

ORIENTATION AND TRAINING PERIODS AND THE 90 DAY WAITING PERIOD LIMITATION

The departments of the Treasury, Labor, and Health and Human Services released finalized regulations concerning the length of a reasonable and bona fide employment- based orientation period. Learn how the employer shared responsibility provisions reconcile with the 90 day waiting period requirements.
Read this compliance tip

PCOR PAYMENTS DUE BY JULY 31!

Created by the Affordable Care Act, this fee funds clinical effectiveness research studies overseen by the Patient Centered Outcomes Research Institute (PCORI). Learn more by reading a series of frequently asked questions.
Read this compliance tip

COBRA AND THE MARKETPLACE: PERFECT TOGETHER?

With the Affordable Care Act concepts of guaranteed availability and the prohibition placed on imposing pre-existing conditions exclusions, many have questioned whether there is a need for COBRA. Learn about recent Department of Labor changes to COBRA regulations and notice requirements, and temporary Department of Health and Human Services policy changes.
Read this compliance tip

90 DAY WAITING PERIOD REGULATIONS FINALIZED

Learn more about recent provisions to the waiting period regulations for the Affordable Care Act.
Read this compliance tip

EMPLOYER MANDATE GUIDANCE, DELAYS, AND RELIEF

Guidance on the employer shared responsibility provisions of the Affordable Care Act includes information on temporary transitional relief for mid-sized employers, relief for large employers, changes concerning coverage for dependents, and more.
Read this compliance tip

THE COST OF NON-COMPLIANCE

Is your health plan prepared for a Department of Labor audit? The penalties of non-compliance can be very costly to your business. Learn about penalties associated with certain provisions of ERISA, ACA and other areas of law impacting employee benefit administration.
Read this compliance tip

MEDICARE PART D DISCLOSURE NOTICE AND REPORTING REQUIREMENT

Health plan sponsors are required to provide an annual disclosure notice to all Medicare Part D-eligible individuals who are covered under an employer group health plan providing prescription drug coverage, by October 15th of each year. Learn more about the disclosure notice and reporting requirement.
Read this compliance tip

HEALTH INSURANCE MARKETPLACE COVERAGE OPTIONS NOTICE

Any employer covered under the Fair Labor Standards Act (FLSA), regardless of the size of business or number of employees, has a new employee notice requirement. View questions and answers about the notice and the exact requirement associated with this dissemination.
Read this compliance tip

TAXATION OF BENEFITS FOR SAME-SEX PARTNERS

The U.S. Department of Treasury and the Internal Revenue Service recently released Revenue ruling 2013-72, in which the Supreme Court struck down section 3 of the Defense of Marriage Act (DOMA), the section that defined "marriage" as between only a man and a woman. Learn more about his ruling and how it may impact employers.
Read this compliance tip

WHAT THE INDIVIDUAL MANDATE MEANS FOR EMPLOYEES

Learn how you, as an employee, may be impacted by the new Individual Mandate penalties, in the event you decline coverage offered through your employer and do not obtain coverage through other means.
Read this compliance tip

2014 TRANSITIONAL RELIEF FOR EMPLOYERS AND INDIVIDUALS

As if keeping up with the Patient Protection and Affordable Care Act regulations, fact sheets, and litigation updates isn't enough, there are some important "transitional relief" items afforded to individuals and employers in 2014 to be aware of. Learn more about these mandates and related transitional relief.
Read this compliance tip

CONTROL GROUPS AND HEALTH CARE REFORM

The control group provisions of the Employment Retirement Income Security Act (ERISA) made a popular return with the signing of the Patient Protection and Affordable Care Act (PPACA). Learn more about the control group provisions of the PPACA.
Read this compliance tip