by Kelley Rays | Nov 2, 2025 | Uncategorized
Statement of Health or Evidence of Insurability for Group Life and Disability Plans What Is a Statement of Health (SOH)? A Statement of Health (SOH)—also known as Evidence of Insurability (EOI)—is a health questionnaire required by insurance carriers when an employee...
by Kelley Rays | Aug 10, 2025 | ACA Reporting, Compliance, Large Group, Self-funded, Small Group
This information outlines the permissibility and compliance requirements for employers offering a cash-in-lieu benefit to employees who waive employer-sponsored health coverage. It is intended for HR professionals and benefits administrators. You should always consult...
by Kelley Rays | May 7, 2025 | Employer News, Small Group
Individual Coverage Health Reimbursement Arrangements (ICHRAs) have been marketed as a flexible alternative to traditional employer-sponsored health plans, promising greater employee choice and potential cost savings. However, many Michigan employers are finding that...
by Kelley Rays | Jan 27, 2025 | Compliance, Employer News
In our webinar on December 19, 2024, we discussed Michigan’s new Earned Sick Time Act (ESTA) with attorney David Porter from Kienbaum, Hardy, Viviano, Pelton and Forrest. Click here for access to that webinar and supporting resources, such as a sample notice you...
by Kelley Rays | Jan 20, 2025 | Compliance, Employer News, Health Care Reform, Large Group, Self-funded
In December 2024, the Biden administration enacted two significant laws to simplify Affordable Care Act (ACA) reporting requirements for employers: 1. Paperwork Burden Reduction Act (PBRA): On-Request Furnishing of Forms 1095-B and 1095-C: Employers and insurers are...
