BEGIN:VCALENDAR
VERSION:2.0
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
REFRESH-INTERVAL;VALUE=DURATION:PT1H
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
BEGIN:STANDARD
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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BEGIN:STANDARD
TZOFFSETFROM:-0400
TZOFFSETTO:-0500
TZNAME:EST
DTSTART:20251102T060000
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BEGIN:VEVENT
DTSTART;VALUE=DATE:20241120
DTEND;VALUE=DATE:20241121
DTSTAMP:20260417T181722
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:20260417T181722
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:20260417T181722
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:20260417T181722
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:20260417T181722
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:20260417T181722
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:20260417T181722
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:20260417T181722
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:20260417T181722
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:20260417T181722
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:20260417T181722
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:20260417T181722
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:20260417T181722
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:20260417T181722
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:20260417T181722
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:20260417T181722
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:20260417T181722
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
BEGIN:VEVENT
DTSTART;VALUE=DATE:20241003
DTEND;VALUE=DATE:20241005
DTSTAMP:20260417T181722
CREATED:20231220T151736Z
LAST-MODIFIED:20231220T151736Z
UID:28275-1727913600-1728086399@cosmoins.com
SUMMARY:Rosh Hashana: Office Closed
DESCRIPTION:
URL:https://cosmoins.com/event/rosh-hashana-office-closed/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20240930
DTEND;VALUE=DATE:20241001
DTSTAMP:20260417T181722
CREATED:20240119T151602Z
LAST-MODIFIED:20240119T151602Z
UID:28703-1727654400-1727740799@cosmoins.com
SUMMARY:Summary Annual Report (SAR) to participants
DESCRIPTION:Group health plans that are subject to the Form 5500 filing and have not extended the deadline via a Form 5558\nEmployers that are required to file a Form 5500 must provide participants with a summary of the information in the Form 5500\, called a summary annual report (SAR). The plan administrator must provide the SAR within nine months of the close of the plan year.\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/summary-annual-report-sar-to-participants/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20240930
DTEND;VALUE=DATE:20241001
DTSTAMP:20260417T181722
CREATED:20240119T151526Z
LAST-MODIFIED:20240119T151526Z
UID:28702-1727654400-1727740799@cosmoins.com
SUMMARY:Medical Loss Ratio (MLR) Rebates
DESCRIPTION:Employers with fully insured health plans that receive MLR rebates\nEmployers that receive rebates should consider their legal options for using the rebate. Any rebate amount must be used for the exclusive benefit of the plan’s participants and beneficiaries within 3 months of receiving the rebate to avoid ERISA trust requirements.\nPenalty for each violation is $100 per entity\, per day\, per individual affected by the violation.
URL:https://cosmoins.com/event/medical-loss-ratio-mlr-rebates-3/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20240930
DTEND;VALUE=DATE:20241001
DTSTAMP:20260417T181722
CREATED:20231221T173255Z
LAST-MODIFIED:20231221T173255Z
UID:28374-1727654400-1727740799@cosmoins.com
SUMMARY:Enrollment Deadline For 1st Of The Month
DESCRIPTION:
URL:https://cosmoins.com/event/enrollment-deadline-for-1st-of-the-month-11/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20240920
DTEND;VALUE=DATE:20240921
DTSTAMP:20260417T181722
CREATED:20231221T203137Z
LAST-MODIFIED:20231221T203137Z
UID:28403-1726790400-1726876799@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-9/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20240914
DTEND;VALUE=DATE:20240915
DTSTAMP:20260417T181722
CREATED:20231221T173831Z
LAST-MODIFIED:20231221T173831Z
UID:28387-1726272000-1726358399@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-9/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20240902
DTEND;VALUE=DATE:20240903
DTSTAMP:20260417T181722
CREATED:20231220T154727Z
LAST-MODIFIED:20231220T154727Z
UID:28290-1725235200-1725321599@cosmoins.com
SUMMARY:Labor Day: Office Closed
DESCRIPTION:
URL:https://cosmoins.com/event/labor-day-office-closed/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20240831
DTEND;VALUE=DATE:20240901
DTSTAMP:20260417T181722
CREATED:20231221T173140Z
LAST-MODIFIED:20231221T173140Z
UID:28372-1725062400-1725148799@cosmoins.com
SUMMARY:Enrollment Deadline For 1st Of The Month
DESCRIPTION:
URL:https://cosmoins.com/event/enrollment-deadline-for-1st-of-the-month-9/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20240820
DTEND;VALUE=DATE:20240821
DTSTAMP:20260417T181722
CREATED:20231221T203123Z
LAST-MODIFIED:20231221T203123Z
UID:28402-1724112000-1724198399@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-8/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20240814
DTEND;VALUE=DATE:20240815
DTSTAMP:20260417T181722
CREATED:20231221T173814Z
LAST-MODIFIED:20231221T173814Z
UID:28386-1723593600-1723679999@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-8/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20240731
DTEND;VALUE=DATE:20240801
DTSTAMP:20260417T181722
CREATED:20240119T145836Z
LAST-MODIFIED:20240119T145836Z
UID:28682-1722384000-1722470399@cosmoins.com
SUMMARY:Form 5500
DESCRIPTION:ERISA-covered group health plans that do not qualify for the small plan exemption and MEWAs\nSmall health plans (fewer than 100 participants) that are fully insured\, unfunded or a combination of insured/unfunded are generally exempt from the Form 5500 filing requirement.\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/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20240731
DTEND;VALUE=DATE:20240801
DTSTAMP:20260417T181722
CREATED:20231221T204147Z
LAST-MODIFIED:20231221T204147Z
UID:28419-1722384000-1722470399@cosmoins.com
SUMMARY:PCORI fee
DESCRIPTION:Employers with self-insured health plans must pay an annual fee to fund the Patient-Centered Outcomes Research Institute (PCORI). Self-insured health plans that are subject to PCORI fees include self-funded medical plans\, as well as HRAs offered in conjunction with fully insured group medical plans. HRAs offered with self-insured group medical plans are not subject to separate PCORI fees if the HRA and the medical plan have the same plan sponsor and plan year.\nEmployers use IRS Form 720 to report and pay PCORI fees\, which are due by July 31 of the year following the last day of the plan year.\n*The PCORI fees originally applied for plan years ending before Oct. 1\, 2019. However\, a 2019 spending resolution reinstated PCORI fees through 2029. As a result\, self-insured health plans must continue to pay these fees through 2029.
URL:https://cosmoins.com/event/pcori-fee/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20240731
DTEND;VALUE=DATE:20240801
DTSTAMP:20260417T181722
CREATED:20231221T173118Z
LAST-MODIFIED:20231221T173118Z
UID:28371-1722384000-1722470399@cosmoins.com
SUMMARY:Enrollment Deadline For 1st Of The Month
DESCRIPTION:
URL:https://cosmoins.com/event/enrollment-deadline-for-1st-of-the-month-8/
END:VEVENT
END:VCALENDAR