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PRODID:-//Employee Benefit Broker & Health Insurance Agency in NJ - ECPv6.15.20//NONSGML v1.0//EN
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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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BEGIN:VEVENT
DTSTART;VALUE=DATE:20250930
DTEND;VALUE=DATE:20251001
DTSTAMP:20260422T175449
CREATED:20250107T184030Z
LAST-MODIFIED:20250107T184030Z
UID:35709-1759190400-1759276799@cosmoins.com
SUMMARY:Distribute Summary Annual Reports (SARs)
DESCRIPTION:Distribute to participants\, COBRA beneficiaries and alternate recipients under QMCSOs within\n9 months after close of the plan year or 2 months after the plan’s extended 5500 deadline. SAR\nrequirement does not apply to plans that pay benefits exclusively from the employer’s general\nassets (that is\, plans with no trust\, with no insurance contract to pay benefits\, where participant\ncontributions are made through a Section 125 plan\, etc.). \n\nDoes not apply to governmental plans (state and local). Does not apply to church\nplans that have not elected to be covered by ERISA.
URL:https://cosmoins.com/event/distribute-summary-annual-reports-sars/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20251001
DTEND;VALUE=DATE:20251002
DTSTAMP:20260422T175449
CREATED:20250107T185612Z
LAST-MODIFIED:20250107T185612Z
UID:35731-1759276800-1759363199@cosmoins.com
SUMMARY:Distribute annual Individual Coverage HRA Notice (if applicable)
DESCRIPTION:Only applies to employers that sponsor individual coverage health reimbursement\narrangements (ICHRAs)\nDue at least 90 days before the beginning of the plan year. Notice must include specific\ninformation about the ICHRA\, including the maximum dollar amount\, some limitations of the\nICHRA\, a statement of the right to opt-out\, and the effect on the individual’s ability to obtain\npremium tax credits for individual coverage\, among other items.\nA model notice is available here: https://www.irs.gov/pub/irsutl/health_reimbursement_arrangements_faqs.pdf
URL:https://cosmoins.com/event/distribute-annual-individual-coverage-hra-notice-if-applicable/
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20251015
DTEND;VALUE=DATE:20251016
DTSTAMP:20260422T175449
CREATED:20250107T184232Z
LAST-MODIFIED:20251006T191407Z
UID:35711-1760486400-1760572799@cosmoins.com
SUMMARY:Distribute Notices of Creditable and/or Non- Creditable Coverage
DESCRIPTION:Provide to employees\, retirees and dependents enrolled in or eligible for Medicare and also\nenrolled (or seeking enrollment) in the employer’s group plan. The Notices are good for the\nnext 12 months after they are distributed (e.g.\, if distributed in enrollment packets during prior\nyear)\, unless the coverage changes from creditable to non-creditable (or from non-creditable to creditable). Model notices may be found at: https://www.cms.gov/Medicare/Prescription-Drug- Coverage/CreditableCoverage/Model-Notice-Letters.html\nIndividuals are generally required to enroll in Medicare Part D prescription drug coverage when\nthey first become eligible and may be subject to late enrollment penalties if they fail obtain\ncreditable prescription drug coverage for 63 consecutive days or longer. Each year employers\nare required to address Medicare Part D prescription drug coverage in two ways: \n\nBy completing an online filing with CMS within the first 60 days of each plan year\ncertifying whether the employer provides prescription drug creditable coverage.\nBy providing the employees with a notice before October 15th informing them of whether the\nprescription coverage is creditable.
URL:https://cosmoins.com/event/distribute-notices-of-creditable-and-or-non-creditable-coverage/
LOCATION:Cosmo Insurance\, NJ\, United States
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20251015
DTEND;VALUE=DATE:20251016
DTSTAMP:20260422T175449
CREATED:20250107T184414Z
LAST-MODIFIED:20251006T191656Z
UID:35714-1760486400-1760572799@cosmoins.com
SUMMARY:Form 5500 For Prior Plan Year\, if Extension was Filed
DESCRIPTION:If Form 5558 was submitted to the IRS seeking an extension of the deadline to submit Form\n5500\, filing of Form 5500 is now required.\nDoes not apply to governmental plans (state and local). Does not apply to church plans that\nhave not elected to be covered by ERISA.
URL:https://cosmoins.com/event/form-5500-for-prior-plan-year-if-extension-was-filed/
LOCATION:Cosmo Insurance\, NJ\, United States
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20251101
DTEND;VALUE=DATE:20251102
DTSTAMP:20260422T175449
CREATED:20250107T184514Z
LAST-MODIFIED:20251006T191703Z
UID:35717-1761955200-1762041599@cosmoins.com
SUMMARY:Open Enrollment for the ACA Exchanges Begins
DESCRIPTION:ACA Exchange open enrollment generally begins November 1.
URL:https://cosmoins.com/event/open-enrollment-for-the-aca-exchanges-begins/
LOCATION:Cosmo Insurance\, NJ\, United States
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20251215
DTEND;VALUE=DATE:20251216
DTSTAMP:20260422T175449
CREATED:20250107T184641Z
LAST-MODIFIED:20251006T191720Z
UID:35719-1765756800-1765843199@cosmoins.com
SUMMARY:Distribute Summary Annual Report\, if Extension was Filed.
DESCRIPTION:If an extension was filed for Form 5500\, a Summary Annual Report needs to be distributed to\nemployees at this time.\nDoes not apply to governmental plans (state and local). Does not apply to church plans that\nhave not elected to be covered by ERISA.
URL:https://cosmoins.com/event/distribute-summary-annual-report-if-extension-was-filed/
LOCATION:Cosmo Insurance\, NJ\, United States
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20251231
DTEND;VALUE=DATE:20260101
DTSTAMP:20260422T175449
CREATED:20250107T184817Z
LAST-MODIFIED:20251006T191727Z
UID:35721-1767139200-1767225599@cosmoins.com
SUMMARY:Distribute Annual Women's Health and Cancer  Rights Act Notice
DESCRIPTION:The WHCRA notice is distributed at initial enrollment\, and then annually\, prior to each plan year\, to participants (and to beneficiaries whose last-known address is different from the last-known address of the participant). A model notice and other information can be found at: https://www.dol.gov/sites/default/files/ebsa/about-ebsa/our-activities/resource-center/publications/compliance-assistance-guide.pdf Note that a separate\, more detailed notice must be distributed after enrollment (see “Deadlines Based on When Events Happen” below). \n 
URL:https://cosmoins.com/event/distribute-annual-womens-health-and-cancer-rights-act-notice/
LOCATION:Cosmo Insurance\, NJ\, United States
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20251231
DTEND;VALUE=DATE:20260101
DTSTAMP:20260422T175449
CREATED:20250107T185005Z
LAST-MODIFIED:20251006T191740Z
UID:35724-1767139200-1767225599@cosmoins.com
SUMMARY:Distribute Children’s Health Insurance Premium Assistance Notice
DESCRIPTION:The CHIP notice must be provided before the first day of the plan year. The CHIP notice must\nbe separate\, but may be provided with other open enrollment materials or the SPD. Separate\nmailing is not required. Electronic distribution is permitted if meeting the DOL safe harbor\nrequirements. A model notice (called “Model Notice for Employers Regarding Premium Assistance Opportunities”) can be found at: https://www.dol.gov/agencies/ebsa/employers-and-advisers/plan-administration-and-compliance/health-plans
URL:https://cosmoins.com/event/distribute-childrens-health-insurance-premium-assistance-notice/
LOCATION:Cosmo Insurance\, NJ\, United States
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20251231
DTEND;VALUE=DATE:20260101
DTSTAMP:20260422T175449
CREATED:20250107T185211Z
LAST-MODIFIED:20251006T191744Z
UID:35726-1767139200-1767225599@cosmoins.com
SUMMARY:Distribute Gag Clause Attestation Notice
DESCRIPTION:The Gag Clause Prohibition Compliance Attestation must be submitted annually to the\nDepartments of Labor\, Health & Human Services\, and the Treasury by December 31 of each\nyear.\nMore information at: https://www.cms.gov/marketplace/about/oversight/other-insurance-protections/gag-clause-prohibition-compliance-attestation#:~:text=A%20Gag%20Clause%20Prohibition%20Compliance\,of%20the%20plan%20or%20coverage
URL:https://cosmoins.com/event/distribute-gag-clause-attestation-notice/
LOCATION:Cosmo Insurance\, NJ\, United States
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20251231
DTEND;VALUE=DATE:20260101
DTSTAMP:20260422T175449
CREATED:20250107T185756Z
LAST-MODIFIED:20251006T191757Z
UID:35733-1767139200-1767225599@cosmoins.com
SUMMARY:Self-Funded State and Local Government Health Plans Submit Optional Opt-Out Election to CMS
DESCRIPTION:Only applies to self-funded governmental (state and local) health plans.\nOpt-out available for Mental Health Parity Act\, Newborns and Mothers Health Protection Act\,\nWomen’s Health and Cancer Rights Act\, and Michelle’s Law. The plan must provide notice of\nthe opt-out to participants at the time of enrollment and on an annual basis\, prior to the\nbeginning of each plan year. A model notice can be found at:\nhttps://www.cms.gov/CCIIO/Resources/Files/hipaa_exemption_election_instructions_04072011\n.html
URL:https://cosmoins.com/event/self-funded-state-and-local-government-health-plans-submit-optional-opt-out-election-to-cms/
LOCATION:Cosmo Insurance\, NJ\, United States
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20260419
DTEND;VALUE=DATE:20260423
DTSTAMP:20260422T175449
CREATED:20260416T151834Z
LAST-MODIFIED:20260416T151834Z
UID:37296-1776556800-1776902399@cosmoins.com
SUMMARY:Cosmo Insurance Agency at SHRM Talent Conference & Expo 2026 – Dallas\, TX
DESCRIPTION:Join industry leaders and HR professionals at the SHRM Talent Conference & Expo 2026 in Dallas\, Texas. This premier event brings together experts in human resources\, talent acquisition\, and workforce strategy to explore the latest trends shaping the future of work. \nHosted by the Society for Human Resource Management (SHRM)\, the conference features in-depth sessions on recruitment innovation\, employee engagement\, HR compliance\, benefits strategy\, and the growing impact of artificial intelligence in the workplace. \nCosmo Insurance Agency recognizes the importance of staying aligned with evolving HR practices and workforce needs. By highlighting events like this\, we aim to support businesses in making informed decisions about employee benefits\, insurance planning\, and long-term workforce sustainability. \nEvent Details:\nDate: April 19–22\, 2026Location: Gaylord Texan Resort & Convention Center\, Grapevine\, TexasOrganizer: Society for Human Resource Management (SHRM) \nWho Should Attend:\n\nHR professionals and talent acquisition teams\nBusiness owners and executives\nEmployee benefits and HR decision-makers\nWorkforce planning specialists\n\nWhy It Matters:\nThis event provides valuable insights into modern HR challenges and solutions\, including talent retention\, workplace compliance\, and employee benefits strategy—key areas that directly impact business growth and employee satisfaction.
URL:https://cosmoins.com/event/cosmo-insurance-at-shrm-talent-conference-2026-in-dallas/
LOCATION:Gaylord Texan Resort & Convention Center\, Grapevine\, Texas
END:VEVENT
BEGIN:VEVENT
DTSTART;VALUE=DATE:20260616
DTEND;VALUE=DATE:20260620
DTSTAMP:20260422T175449
CREATED:20260416T152320Z
LAST-MODIFIED:20260416T152320Z
UID:37300-1781568000-1781913599@cosmoins.com
SUMMARY:Cosmo Insurance Agency at SHRM 2026 Orlando
DESCRIPTION:Join thousands of HR professionals\, business leaders\, and industry innovators at the Society for Human Resource Management Annual Conference & Expo 2026 in Orlando\, Florida. \nThis premier global HR event brings together experts in human resources\, talent development\, and workplace strategy to explore the future of work\, leadership\, and employee experience. \nCosmo Insurance Agency will be highlighting key insights from the event\, with a focus on how evolving HR trends impact employee benefits\, workforce planning\, and business growth. \nEvent Date\nJune 16 – June 19\, 2026 \nLocation\nOrange County Convention Center9800 International DrOrlando\, Florida\, USA \nWhat to Expect\n\n375+ sessions on HR\, leadership\, and workforce strategy\nKeynotes from global business and HR leaders\nInsights on AI\, technology\, and the future of work\nEmployee engagement and retention strategies\nLarge-scale expo featuring HR tools and solutions\nNetworking with thousands of professionals worldwide\n\nWho Should Attend\n\nHR professionals and managers\nBusiness owners and executives\nTalent acquisition and recruitment teams\nEmployee benefits and HR consultants\nOrganizational development leaders\n\nWhy This Matters for Cosmo Insurance Agency\nStaying informed on HR trends helps businesses make smarter decisions about: \n\nEmployee benefits planning\nWorkforce retention strategies\nCompliance and HR policy alignment\nRisk management and insurance solutions\n\nCosmo Insurance Agency uses these insights to better support clients in building stronger\, more sustainable organizations. \nEvent Highlights\n\nGlobal HR thought leadership\nHands-on workshops and breakout sessions\nInnovation in HR technology and AI\nNetworking with industry leaders\nProfessional development opportunities\n\nStay Connected\nFollow Cosmo Insurance Agency for insights and updates from SHRM 2026 as we continue to share valuable takeaways that impact business success and employee wellbeing.
URL:https://cosmoins.com/event/cosmo-insurance-shrm-orlando-2026/
LOCATION:Orange County Convention Center
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