Employers and plan sponsors are tasked with distributing a range of required notices to employees and participants at various points in the employee life cycle. Join NFP’s Benefits Compliance team as we walk through employer obligations, including what notices are required, when distribution should take place, who should receive them, and best practices for distribution.
Agenda
- New Notice and Important Reminders
- Fixed Indemnity Notice
- Individual Coverage HRA (ICHRA) Notice
- Required Notices by Situation
- Upon Hire/Initial Eligibility for Group Health Plans
- Upon Initial/Midyear Enrollment
- Open Enrollment (OE)
- Upon Midyear Employer Changes to Benefit Plans/Designs
- Annual Notices Other than OE
- Upon Coverage Termination
- Notice Distribution Methods
- Mail and Hand Delivery
- Electronic Distribution Rules
- FAQs
- Penalties
- Resources
- Key Takeaways
Key Takeaways
Employer Considerations
- Compliance notices are required at specific times throughout the employee life cycle.
- Employers should review notices and employee base to determine if electronic distribution is appropriate.
- NFP has resources to help!
- Tips
- Customize notices where required.
- Confirm carrier or TPA has properly posted notices and information related to the No Surprises Act and the Transparency in Coverage rules.
- Confirm employer vs. carrier obligations regarding distribution of group term life insurance conversion/portability notices.
- Retain records according to the employer’s record retention policy. [Note: Records related to ERISA plans should generally be retained for eight years.]
NFP Resources
For further information, please ask your broker or consultant for a copy of the NFP publications Compliance Calendars 2025, Electronic Distribution Rules: A Guide for Employers, Medicare Part D Creditability Determinations and Disclosures: A Guide for Employers, Required Group Health Plan Notices Chart, Required Group Health Plan Notices Overview, and Summary Annual Report: A Guide for Employers.
Watch for any latest announcements and benefits news through NFP’s Compliance Corner.