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Compliance Risks in Open Enrollment: 5 Mistakes and How to Avoid Them | JRW Associates, Inc., a Raleigh Benefit Advisory

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Open enrollment is a hectic and critical period for employers that often brings a risk of compliance errors. These mistakes can confuse employees and cause missed benefits, while also exposing employers to legal risks. This article highlights five common compliance pitfalls to avoid during open enrollment: Ineffective Communication of Benefit Changes – Benefit offerings often change … Continued

Breaking Barriers: Increasing Employee Utilization of Mental Health Benefits | JRW Associates, Inc., a Raleigh Benefit Advisory

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Over the past several years, mental health in the United States has steadily declined. Growing concerns about this issue have increased the pressure on employers to provide stronger mental health benefits. Although many organizations have expanded their mental health offerings, utilization among employees remains low. When these resources go unused, employees who could benefit miss … Continued

Empowering the Next Generation: Making Benefits “Easy” for Young Employees | JRW Associates, Inc., a Raleigh Benefit Advisory

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Health Insurance today is significantly more complex for young workers than it was just a decade ago.  This complexity is driven in large part by healthcare costs that have outpaced inflation, pushing premiums, copays, and other out-of-pocket expenses to comprise substantial portions of their budgets.  For many younger employees, navigating this landscape is confusing – … Continued

Compliance Update | JRW Associates, Inc., a Raleigh Benefit Advisory

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NONDISCRIMINATION TESTING AND NEW DEPENDENT CARE FSA CONTRIBUTION LIMIT Beginning in January 2026, the maximum contribution to a Dependent Care Flexible Spending Account (DCFSA) will increase from $5,000 to $7,500 ($3,750 for married employees filing separately). This expanded limit offers employees greater tax savings for child and adult care expenses, but it also raises the … Continued

Compliance Update | JRW Associates, Inc., a Raleigh Benefit Advisory

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UNDERSTANDING AND DISTRIBUTING MLR REBATES Insurance carriers must issue Medical Loss Ratio (MLR) rebates by September 30 when too much of the prior year’s premiums went to administrative costs or profit instead of claims and quality improvements. Employers who received MLR rebate checks will need to determine how much—if any—belongs to the plan and its … Continued

Compliance Recap September 2025 | JRW Associates, Inc., a Raleigh Benefit Advisory

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UNDERSTANDING AND DISTRIBUTING MLR REBATES Insurance carriers must issue Medical Loss Ratio (MLR) rebates by September 30 when too much of the prior year’s premiums went to administrative costs or profit instead of claims and quality improvements. Employers who received MLR rebate checks will need to determine how much—if any—belongs to the plan and its … Continued

Mastering Open Enrollment: A Step-by-Step Guide | JRW Associates, Inc., a Raleigh Benefit Advisory

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Open enrollment doesn’t have to be a stressful administrative task. When planned well in advance, it becomes a valuable opportunity to review and enhance your benefits offerings, demonstrating your commitment to your team’s physical, mental, and financial well-being. A well-executed open enrollment can boost employee morale, improve retention, and ensure your workforce is supported. Use … Continued

Reminder: Medicare Part D Notices due by October 15th | JRW Associates, Inc., a Raleigh Benefit Advisory

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Employers who sponsor group health plans that offer prescription drug coverage to Medicare-eligible individuals are reminded that they must provide a Medicare Part D Creditable or Non-Creditable Coverage Notice to those individuals by October 15th. These notices serve to inform Medicare-eligible individuals whether the prescription drug coverage offered is creditable, meaning it is expected to … Continued

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