Ask PIA

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Life/health

900127-00

COBRA basics

Which employers are subject to COBRA rules? How long does COBRA entitlement last?

900128-00

ERISA pre-emption

We are trying to help a client with a health claim. The family is insured under a self-insured health trust based in Pennsylvania, even though they reside in New York state. Do New York’s minimum benefit standards apply?

900129-00

HIPAA ’eligible individual’ rule

One of our insureds has a New Jersey individual health insurance policy. He has a pre-existing condition. He is considering moving to another state. Does the federal law offer him portability protection?

900354-00

Health-care exchanges—broker compensation

Can brokers sell through a health-care exchange? Can they be compensated?

900358-00

Producer health exchange certification

What can you tell me about the interplay between being certified to sell through an exchange, being licensed as a health producer and receiving commissions?

900366-00

Small business healthcare tax-credit eligibility

In order to determine if you qualify for the small business healthcare tax credit, you will need to answer a few simple questions:

  1. Do you have fewer than 25 full-time employees?
  2. Do those employees have an average wage below the annually indexed threshold (adjusted each year for inflation)?
900396-00

ACA employee tax notices

I have a client who has 75 employees. What type of tax information does my client have to provide to employees to comply with the requirements of the Affordable Care Act?

900445-00

Health insurance premium rebates

We received a rebate from our health insurance company because they did not meet the 80/20 rule under the federal Affordable Care Act. What can I, as the employer, do with the money?

900515-00

Medicare Advantage certification

I would like to stop writing new Medicare Advantage (Part C) business, but I would like to keep all my renewals. Do I have to maintain my certification to maintain the renewal policies?