As you are probably aware, federal regulations such as ERISA, the Department of Labor (DOL), Centers for Medicare/Medicaid (CMS), and the Affordable Care Act (ACA) require employers to distribute various notices to employees, at specific times.
Some notices, such as the Exchange (Marketplace) Notice are required to be given to newly hired employees, for example in your new hire packets.
Other notices should be included in the enrollment materials you distribute when employees are deciding whether to join your benefits plan, both when they are first eligible and at your annual open enrollment. Some of those notices include a Summary of Benefits and Coverage (SBC) for each plan you offer, Notice of Special Enrollment Rights, Women’s Health and Cancer Rights Act (WHCRA), etc.
Below you will find Benefit Notice Guides for groups of different sizes that provide a comprehensive list of the notices that you, as an employer, are required to distribute to employees. These guides include information on what the notice consists of and the date(s) by which the notice must be distributed.
Some of these required notices may be included in the Certificate of Coverage that your covered employees receive from the insurance company, but as an employer, regulations require that you ensure these notices are distributed per the required schedule.
Please contact us should you have any questions or if we can be of assistance with any other benefit needs.