Contemporary Benefits Advisors
COMPLIANCE GUIDE
ACA
COBRA & State Continuation
ERISA
FMLA
HIPAA
Section 125 Plans
Section 125 Pre-Tax Plans provide participants an opportunity to receive certain benefits on a pretax basis.
HIPAA (Health Insurance Portability and Accountability Act of 1996) is United States legislation that provides data privacy and security provisions for safeguarding medical information.
The Family and Medical Leave Act (FMLA) provides certain employees with up to 12 weeks of unpaid, job-protected leave per year. It also requires that their group health benefits be maintained during the leave.
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for most voluntarily established pension and health plans in private industry to provide protection for individuals in these plans.
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events.
The Patient Protection and Affordable Care Act (PPACA), commonly shortened to the Affordable Care Act (ACA), is a United States federal statute enacted and signed into law in 2010.