2016-10-11-minutes-hr-study-session

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EMPLOYER NAME: KITTITAS COUNTY CONSUMER DRIVEN HEALTH PLANS (CDHPs)............... ® CHECK TO DECLINE COVERAGE ` administered by Benefit Solutions, Inc. (BSI) ❑ FLEXIBLE SPENDING ARRANGEMENT (FSA) ❑ HEALTH SAVINGS ACCOUNT (HSA) Note: HSAs must be accompanied by Qualified High Deductible Health Plans (QHDHP) ACKNOWLEDGEMENTS Employer agrees to abide by the provisions of the Washington Counties Insurance Fund (WCIF) Trust Agreement Initials and Bylaws. Extent of Coverage Employee benefits will end on the last day of the month in which the employee becomes ineligible (except as specified under federal and/or Washington state mandated extension rights). Employers may not continue an employee's coverage on any active plan after the employee is no longer eligible. The only exception to this rule is i for employees who lose coverage due to a disability and need to continue The Standard Long Term Disability plan coverage in order to apply for Waiver of Premium at a later date. Continuation of coverage through COBRA and Initials retiree plans (for retirees under the age of 65) is available to employees who qualify; provided the employer maintains participation in a WCIF medical, dental, vision, EAP, and/or FSA plan(s). Continuation of coverage is available in accordance with federal and Washington state law to members who become ineligible for group coverage. Employers have a legal responsibility for certain notification requirements. Please reference the WCIF eACE Manual (www. wcif.net) for notification procedures and forms for WCIF plans. Employers may also reference the US Department of Labor(www.dol.gov) and the US Internal Revenue Service (www.irs.gov) for further guidance. Advisory assistance on compliance with federal and state employment law regulations should be obtained from an employment attorney_ Waiver of Medical Insurance (for groups offering WCIF medical coverage) Employer acknowledges that in order to allow an employee to waive WCIF medical coverage the employee must Initials provide the employer with proof of other group medical insurance coverage. Employer acknowledges that they may not offer cash incentives to employees who waive WCIF medical coverage. Initials Employers are required to offer the same coverage to their over age 65 employees (and over age 65 spouses/ domestic partners) as they do to all other eligible employees. Employer coverage is primary to Medicare. Medicare beneficiaries are free to reject employer plan coverage, in which case they retain Medicare as their Initials primary coverage. When Medicare is primary payer, employers cannot offer such employees (or their spouses) secondary coverage (or incentives) for items and services covered by Medicare. DISCLOSURES Employers who offer WCIF medical coverage are required to cover a minimum of 75% of all eligible employees. Allowable exclusions to this rule include enrollment in other verifiable group medical coverage (i.e. Tri -Care, Medicare, Medicaid, Washington Health Plan Finder), or waiver due to religious belief. These members with allowable exclusions are not used to calculate the group's participation percentage, and are thus netted out of the eligible employee count. NOTE: For current groups who do not submit the Master Application by December 1, group benefits will default to their prior year elections, if available, or mapped to most comparable plan. 2017GMA2 Page 7 of 9 (092116JM)