BEGIN:VCALENDAR
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PRODID:-//Employee Benefit Broker & Health Insurance Agency in NJ - ECPv6.15.20//NONSGML v1.0//EN
CALSCALE:GREGORIAN
METHOD:PUBLISH
X-WR-CALNAME:Employee Benefit Broker & Health Insurance Agency in NJ
X-ORIGINAL-URL:https://cosmoins.com
X-WR-CALDESC:Events for Employee Benefit Broker & Health Insurance Agency in NJ
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X-Robots-Tag:noindex
X-PUBLISHED-TTL:PT1H
BEGIN:VTIMEZONE
TZID:America/New_York
BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20230312T070000
END:DAYLIGHT
BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20231105T060000
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BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20240310T070000
END:DAYLIGHT
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TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20241103T060000
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BEGIN:DAYLIGHT
TZOFFSETFROM:-0500
TZOFFSETTO:-0400
TZNAME:EDT
DTSTART:20250309T070000
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TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20251102T060000
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TZOFFSETFROM:-0500
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DTSTART:20260308T070000
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BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20261101T060000
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BEGIN:VEVENT
DTSTART;VALUE=DATE:20250101
DTEND;VALUE=DATE:20250102
DTSTAMP:20260418T031944
CREATED:20240119T144827Z
LAST-MODIFIED:20240119T144827Z
UID:28671-1735689600-1735775999@cosmoins.com
SUMMARY:TiC: Machine- Readable Files
DESCRIPTION:Employers with Self-funded/Level-Funded health plans\nPlan is ultimately responsible for updating three machine readable files (MRFs) disclosing: in-network rates\, OON allowed amounts\, billed charges\, negotiated rates and historical net prices for Rx drugs. \nEmployers should collaborate with a third-party administrator to ensure the plan is administered in accordance with the TiC rules at each renewal.\nSubject to $100 per day per participant for non-compliance.
URL:https://cosmoins.com/event/tic-machine-readable-files/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20250101
DTEND;VALUE=DATE:20250102
DTSTAMP:20260418T031944
CREATED:20240119T144725Z
LAST-MODIFIED:20240119T144740Z
UID:28670-1735689600-1735775999@cosmoins.com
SUMMARY:Section 105(h) Nondiscrimination Testing
DESCRIPTION:Employers with Self-funded/Level-Funded health plans\nThis rule prohibits group health plans from discriminating in favor of highly compensated individuals with respect to both eligibility and benefits offered under the plan. \nEmployers should review their plans and ensure plans are still within compliance and not discriminating against non-Highly Compensated Individuals (HCIs).\nHCIs must include the excess benefits provided to them in gross income. Plan sponsor may also face an excise tax or penalty of up to $100 per day per individual discriminated against.
URL:https://cosmoins.com/event/section-105h-nondiscrimination-testing/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20250101
DTEND;VALUE=DATE:20250102
DTSTAMP:20260418T031944
CREATED:20231220T155824Z
LAST-MODIFIED:20231220T155824Z
UID:28298-1735689600-1735775999@cosmoins.com
SUMMARY:Open Enrollment Deadline
DESCRIPTION:
URL:https://cosmoins.com/event/open-enrollment-deadline/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20250101
DTEND;VALUE=DATE:20250102
DTSTAMP:20260418T031944
CREATED:20231220T153055Z
LAST-MODIFIED:20231220T153055Z
UID:28284-1735689600-1735775999@cosmoins.com
SUMMARY:Happy New Year: Office Closed
DESCRIPTION:
URL:https://cosmoins.com/event/happy-new-year-office-closed-2/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241231
DTEND;VALUE=DATE:20250101
DTSTAMP:20260418T031944
CREATED:20240119T150217Z
LAST-MODIFIED:20240119T150217Z
UID:28688-1735603200-1735689599@cosmoins.com
SUMMARY:Prohibition on Gag Clauses
DESCRIPTION:All group medical plans\nPlans and carriers may not enter into an agreement with a provider\, network\, TPA or other service provider offering access to a network of providers that restricts the plan from; providing provider-specific cost or quality of care data\, electronically access de-identified claim and encounter data for each participant or beneficiary and sharing such information\, consistent with applicable privacy regulations. An attestation of compliance must be filed electronically with CMS each year to attest for the previous plan year. \nEmployers should coordinate in writing with their Carrier\, TPAs or other service providers to verify who will be submitting the attestation and will be meeting with the requirement. Employers are ultimately responsible in completing this task.\nNo official guidance on penalties have been released as of the creation of this document.
URL:https://cosmoins.com/event/prohibition-on-gag-clauses/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241231
DTEND;VALUE=DATE:20250101
DTSTAMP:20260418T031944
CREATED:20231221T203348Z
LAST-MODIFIED:20231221T203348Z
UID:28409-1735603200-1735689599@cosmoins.com
SUMMARY:Gag Clause Prohibition Deadline
DESCRIPTION:
URL:https://cosmoins.com/event/gag-clause-prohibition-deadline/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241231
DTEND;VALUE=DATE:20250101
DTSTAMP:20260418T031944
CREATED:20231221T173357Z
LAST-MODIFIED:20231221T173357Z
UID:28377-1735603200-1735689599@cosmoins.com
SUMMARY:Enrollment Deadline For 1st Of The Month
DESCRIPTION:
URL:https://cosmoins.com/event/enrollment-deadline-for-1st-of-the-month-14/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241220
DTEND;VALUE=DATE:20241221
DTSTAMP:20260418T031944
CREATED:20231221T203232Z
LAST-MODIFIED:20231221T203232Z
UID:28406-1734652800-1734739199@cosmoins.com
SUMMARY:Horizon Conversion Deadline For The Upcoming 1st Of The Month
DESCRIPTION:
URL:https://cosmoins.com/event/horizon-conversion-deadline-for-the-upcoming-1st-of-the-month-12/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241216
DTEND;VALUE=DATE:20241217
DTSTAMP:20260418T031944
CREATED:20240119T151956Z
LAST-MODIFIED:20240119T151956Z
UID:28710-1734307200-1734393599@cosmoins.com
SUMMARY:SAR(Extended deadline)
DESCRIPTION:Group health plans that are subject to the Form 5500 filing and have extended the deadline via a Form 5558\nIf an extension of time to file Form 5500 is obtained\, the plan administrator must furnish the SAR within two months after the close of the extension period. Employers must provide the SAR to participants by December 16th\, 2024.\nNo monetary penalty for failure to timely distribute\, however Up to $110/day if not provided to participant within 30 days of request.
URL:https://cosmoins.com/event/sarextended-deadline/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241214
DTEND;VALUE=DATE:20241215
DTSTAMP:20260418T031944
CREATED:20231221T174054Z
LAST-MODIFIED:20231221T174054Z
UID:28391-1734134400-1734220799@cosmoins.com
SUMMARY:Horizon Enrollment Deadline For 15th Of The Month
DESCRIPTION:
URL:https://cosmoins.com/event/horizon-enrollment-deadline-for-15th-of-the-month-12/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241207
DTEND;VALUE=DATE:20241208
DTSTAMP:20260418T031944
CREATED:20231220T155951Z
LAST-MODIFIED:20231220T155951Z
UID:28301-1733529600-1733615999@cosmoins.com
SUMMARY:Medicare Open Enrollment Deadline
DESCRIPTION:
URL:https://cosmoins.com/event/medicare-open-enrollment-deadline/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241201
DTEND;VALUE=DATE:20241202
DTSTAMP:20260418T031944
CREATED:20240119T150142Z
LAST-MODIFIED:20240119T150142Z
UID:28687-1733011200-1733097599@cosmoins.com
SUMMARY:Employer Penalty: Identify application and method of compliance
DESCRIPTION:All Employers\nDetermine ALE Status (i.e.\, whether the employer has at least 50 full-time employees (FTEs) each calendar year\, considering all common law employees in the entire controlled group and counting each part-time employee as a fraction of the FTE). Determine full-time status using monthly measurement method or look-back measurement method. Offer coverage to FTEs and dependent children. \nEvaluate minimum value\, affordability and elect a safe harbor. Ensure that all plan language accurately reflects the selections.\n“A” Penalty Adjusted for inflation: $2\,970 for 2024 times total number of FTEs after the first 30 are removed for relief. “B” Penalty Adjusted for inflation: $4\,460 for 2024 times the total number of ACA FTEs who receive the subsidy in the Marketplace (max penalty is capped at the “A” penalty)
URL:https://cosmoins.com/event/employer-penalty-identify-application-and-method-of-compliance/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241130
DTEND;VALUE=DATE:20241201
DTSTAMP:20260418T031944
CREATED:20231221T173332Z
LAST-MODIFIED:20231221T173332Z
UID:28376-1732924800-1733011199@cosmoins.com
SUMMARY:Enrollment Deadline For 1st Of The Month
DESCRIPTION:
URL:https://cosmoins.com/event/enrollment-deadline-for-1st-of-the-month-13/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241120
DTEND;VALUE=DATE:20241121
DTSTAMP:20260418T031944
CREATED:20231221T203216Z
LAST-MODIFIED:20231221T203216Z
UID:28405-1732060800-1732147199@cosmoins.com
SUMMARY:Horizon Conversion Deadline For The Upcoming 1st Of The Month
DESCRIPTION:
URL:https://cosmoins.com/event/horizon-conversion-deadline-for-the-upcoming-1st-of-the-month-11/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241115
DTEND;VALUE=DATE:20241217
DTSTAMP:20260418T031944
CREATED:20240119T151916Z
LAST-MODIFIED:20240119T151916Z
UID:28709-1731628800-1734393599@cosmoins.com
SUMMARY:Individual Mandate Reporting for Employers with Employees in specific cities or states
DESCRIPTION:Employers with employees that reside in the state of Massachusetts\nProvide a complete HIRD form for MA resident employees.\nThere are no fines or penalties related to a completed HIRD Form.
URL:https://cosmoins.com/event/individual-mandate-reporting-for-employers-with-employees-in-specific-cities-or-states-8/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241114
DTEND;VALUE=DATE:20241115
DTSTAMP:20260418T031944
CREATED:20231221T174038Z
LAST-MODIFIED:20231221T174038Z
UID:28390-1731542400-1731628799@cosmoins.com
SUMMARY:Horizon Enrollment Deadline For 15th Of The Month
DESCRIPTION:
URL:https://cosmoins.com/event/horizon-enrollment-deadline-for-15th-of-the-month-11/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241101
DTEND;VALUE=DATE:20241102
DTSTAMP:20260418T031944
CREATED:20240119T151820Z
LAST-MODIFIED:20240119T151820Z
UID:28708-1730419200-1730505599@cosmoins.com
SUMMARY:Measure Plan Affordability
DESCRIPTION:Employers that are An Applicable Large Employer\nThere are three safe harbors that an employer may use to determine affordability for purposes of the employer shared responsibility provisions. Employers are allowed to choose from using either the Form W-2 wages\, an employee’s rate of pay or the federal poverty limit to make their affordability determination. The contribution percentage to determine affordability for Plan Years starting in 2024 is 8.39% \n2024 percentage is a significant decrease from previous years.\n“A” Penalty Adjusted for inflation: $2\,970 for 2024 times total number of FTEs after the first 30 are removed for relief.\n“B” Penalty Adjusted for inflation: $4\,460 for 2024 times the total number of ACA FTEs who receive the subsidy in the Marketplace (max penalty is capped at the “A” penalty)
URL:https://cosmoins.com/event/measure-plan-affordability/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241101
DTEND;VALUE=DATE:20241102
DTSTAMP:20260418T031944
CREATED:20240119T151752Z
LAST-MODIFIED:20240119T151752Z
UID:28707-1730419200-1730505599@cosmoins.com
SUMMARY:Identify FTE status eligibility using the Standard Measurement Period (SMP)\, Stability Period (SP) and Administrative Period (AP)
DESCRIPTION:Employers that are an Applicable Large Employer and have variable hour part-time employees.\nThere are two methods for determining full-time employee status. The monthly measurement method or the look-back measurement method. Zywave has more detailed information on each method and reasons an employer may prefer one method over another.\n“A” Penalty Adjusted for inflation: $2\,970 for 2024 times total number of FTEs after the first 30 are removed for relief.\n“B” Penalty Adjusted for inflation: $4\,460 for 2024 times the total number of ACA FTEs who receive the subsidy in the Marketplace (max penalty is capped at the “A” penalty)
URL:https://cosmoins.com/event/identify-fte-status-eligibility-using-the-standard-measurement-period-smp-stability-period-sp-and-administrative-period-ap/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241101
DTEND;VALUE=DATE:20241102
DTSTAMP:20260418T031944
CREATED:20240119T151726Z
LAST-MODIFIED:20240119T151726Z
UID:28706-1730419200-1730505599@cosmoins.com
SUMMARY:Employer Penalty: Identify application and method of compliance
DESCRIPTION:All Employers\nDetermine ALE Status (i.e.\, whether the employer has at least 50 full-time employees (FTEs) each calendar year\, considering all common law employees in the entire controlled group and counting each part-time employee as a fraction of the FTE). Determine full-time status using monthly measurement method or look-back measurement method. Offer coverage to FTEs and dependent children. Evaluate minimum value\, affordability and elect a safe harbor. Ensure that all plan language accurately reflects the selections.\n“A” Penalty Adjusted for inflation: $2\,970 for 2024 times total number of FTEs after the first 30 are removed for relief.\n“B” Penalty Adjusted for inflation: $4\,460 for 2024 times the total number of ACA FTEs who receive the subsidy in the Marketplace (max penalty is capped at the “A” penalty)
URL:https://cosmoins.com/event/employer-penalty-identify-application-and-method-of-compliance-2/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241101
DTEND;VALUE=DATE:20241102
DTSTAMP:20260418T031944
CREATED:20231220T155759Z
LAST-MODIFIED:20231220T155759Z
UID:28297-1730419200-1730505599@cosmoins.com
SUMMARY:Open Enrollment Starts
DESCRIPTION:
URL:https://cosmoins.com/event/open-enrollment-starts/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241031
DTEND;VALUE=DATE:20241101
DTSTAMP:20260418T031944
CREATED:20231221T173315Z
LAST-MODIFIED:20231221T173315Z
UID:28375-1730332800-1730419199@cosmoins.com
SUMMARY:Enrollment Deadline For 1st Of The Month
DESCRIPTION:
URL:https://cosmoins.com/event/enrollment-deadline-for-1st-of-the-month-12/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241031
DTEND;VALUE=DATE:20241101
DTSTAMP:20260418T031944
CREATED:20231220T154945Z
LAST-MODIFIED:20231220T154945Z
UID:28294-1730332800-1730419199@cosmoins.com
SUMMARY:Quarterly Report Deadline
DESCRIPTION:
URL:https://cosmoins.com/event/quarterly-report-deadline-3/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241022
DTEND;VALUE=DATE:20241024
DTSTAMP:20260418T031944
CREATED:20231220T152757Z
LAST-MODIFIED:20231220T152757Z
UID:28281-1729555200-1729727999@cosmoins.com
SUMMARY:Sukkot: Office Closed
DESCRIPTION:
URL:https://cosmoins.com/event/sukkot-office-closed-4/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241020
DTEND;VALUE=DATE:20241021
DTSTAMP:20260418T031944
CREATED:20231221T203157Z
LAST-MODIFIED:20231221T203157Z
UID:28404-1729382400-1729468799@cosmoins.com
SUMMARY:Horizon Conversion Deadline For The Upcoming 1st Of The Month
DESCRIPTION:
URL:https://cosmoins.com/event/horizon-conversion-deadline-for-the-upcoming-1st-of-the-month-10/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241017
DTEND;VALUE=DATE:20241019
DTSTAMP:20260418T031944
CREATED:20231220T152727Z
LAST-MODIFIED:20231220T152727Z
UID:28279-1729123200-1729295999@cosmoins.com
SUMMARY:Sukkot: Office Closed
DESCRIPTION:
URL:https://cosmoins.com/event/sukkot-office-closed-3/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241015
DTEND;VALUE=DATE:20241016
DTSTAMP:20260418T031944
CREATED:20240119T151655Z
LAST-MODIFIED:20240119T151655Z
UID:28705-1728950400-1729036799@cosmoins.com
SUMMARY:Form 5500 (Extended deadline)
DESCRIPTION:ERISA-covered group health plans that do not qualify for the small plan exemption and MEWAs (and have timely requested an extension to the filing deadline)\nAn employer may request a one-time extension of 2.5 months by filing a Form 5558 by the normal due date of Form 5500. Employers are required to file an annual Form 5500 by October 15th 2024 after a Form 5558 was submitted before the July deadline\, which automatically granted an extension up to 2.5 months.\nUp to $2\,586 per day for late filing. Delinquent Filer Voluntary Compliance (DFVC) program could allow for reduced penalties.
URL:https://cosmoins.com/event/form-5500-extended-deadline/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241015
DTEND;VALUE=DATE:20241016
DTSTAMP:20260418T031944
CREATED:20240119T151627Z
LAST-MODIFIED:20240119T151627Z
UID:28704-1728950400-1729036799@cosmoins.com
SUMMARY:Medicare Part D Notices to participants
DESCRIPTION:Group health plans that provide Rx coverage to Individuals eligible for Medicare Part D\nEmployers must notify Medicare Part D-eligible individuals by Oct. 15th of each year about whether the Rx coverage is creditable or non-creditable as discussed above.\nNo specific penalty for employers. Potential penalty for individuals who do not maintain creditable coverage.
URL:https://cosmoins.com/event/medicare-part-d-notices-to-participants/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241015
DTEND;VALUE=DATE:20241016
DTSTAMP:20260418T031944
CREATED:20231220T155926Z
LAST-MODIFIED:20231220T155926Z
UID:28300-1728950400-1729036799@cosmoins.com
SUMMARY:Medicare Open Enrollment Starts
DESCRIPTION:
URL:https://cosmoins.com/event/medicare-open-enrollment-starts/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241014
DTEND;VALUE=DATE:20241015
DTSTAMP:20260418T031944
CREATED:20231221T173858Z
LAST-MODIFIED:20231221T173858Z
UID:28388-1728864000-1728950399@cosmoins.com
SUMMARY:Horizon Enrollment Deadline For 15th Of The Month
DESCRIPTION:
URL:https://cosmoins.com/event/horizon-enrollment-deadline-for-15th-of-the-month-10/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241012
DTEND;VALUE=DATE:20241013
DTSTAMP:20260418T031944
CREATED:20231220T152242Z
LAST-MODIFIED:20231220T152242Z
UID:28277-1728691200-1728777599@cosmoins.com
SUMMARY:Yom Kippur
DESCRIPTION:
URL:https://cosmoins.com/event/yom-kippur-2/
END:VEVENT
END:VCALENDAR