News-to-Use

Question of the Week - Self-Funded vs. Insured Health Plan

Q.- What is the difference between a self-funded and an insured health plan?
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Question of the Week - Extension of 18-Month COBRA Period

Q: Can a former employee get more than 18 months of COBRA coverage?
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Question of the Week - Carryover and Short Plan Year

Q.- We set up a short FSA plan year, 1/1/25 – 6/30/25, and then on 7/1/2025 we began a full plan year. Our plan has a carryover feature. Do employees get the full amount ...
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Question of the Week – COBRA Coverage

Q.- Our health plan runs on a 7/1 to 6/30 plan year. An employee enrolled in the plan starting July 1 and then terminated employment July 2. Do we have to offer COBRA? ...
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Question of the Week - Sunscreen and FSA Reimbursement

Q.- Can employees be reimbursed from their health FSAs for the cost of sunscreen?
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Question of the Week - Missed COBRA Notice

Q: What happens if we forget to send a COBRA qualifying event letter and the employee doesn’t receive their COBRA election notice on time?
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Question of the Week - HDHP and HSA

Q.- An employee elected a health FSA effective 1/1 and now during their annual open enrollment for a 7/1 plan, they are considering enrolling in a High-Deductible HSA ...
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Question of the Week - COBRA and Credit Card Payments

Q.- A terminated employee wants to elect COBRA. He said he doesn’t have a checking account anymore and told us we have to allow him to pay using his credit card. Is this ...
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Question of the Week - COBRA for Employee on Leave of Absence

Q.- We have an employee who is currently on long-term disability. Company policy is to discontinue an employee’s medical benefits if they are on leave longer than 6 ...
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Question of the Week - Mailing COBRA Qualifying Event Notices

Q.- Are we required to send COBRA qualifying event notices by certified mail to make sure they are received?
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