Employers' Common Health Benefit Issues

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Federal COBRA Law:|ret||ret||tab|

Only applies if you have 20 or more full time equivalent employees|ret||ret||tab|

Employer is administrator|ret||ret||tab|

ERISA fines are $110 per violation, per day|ret||ret||tab|

IRS and DOL Fines are $100 per violation, per day|ret||ret||tab|

DOL has never lost a COBRA case|ret||ret||tab|

No statue of limitation on compliance|ret||ret||tab|

Eight required COBRA notices for ALL beneficiaries|ret||ret||tab|

All beneficiaries are entitled to same benefits as active employees|ret||ret||tab|

Benefit periods vary from 18 to 36 months|ret||ret||tab|

Missouri State Continuation|ret||ret||tab|

Applies to employers with 19 or fewer full time equivalent employees|ret||ret||tab|

Only applies to medical insurance|ret||ret||tab|

Benefit period is only nine months|ret||ret||tab|

Must be on the plan for at least three months to qualify|ret||ret||tab|

Family Medical Leave Act|ret||ret||tab|

Passed in 1993 to help families deal with health issues |ret||ret||tab|

Applies only to employers with more than 50 employees within 75 miles |ret||ret||tab|

12-week maximum benefit period|ret||ret||tab|

FMLA recipient covered just like an active employee, not a COBRA qualifying event|ret||ret||tab|

Health Insurance Portability Accountability Act of 1996|ret||ret||tab|

Known as the Kennedy-Kassebaum Act|ret||ret||tab|

Eliminated "job lock" and allows portability|ret||ret||tab|

Provides for elimination of pre-existing conditions |ret||ret||tab|

Creditable coverage provision|ret||ret||tab|

Guaranteed availability of coverage in certain conditions|ret||ret||tab|

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