In the latest episode of Ask Michelle , Michelle shared key compliance updates, including the upcoming April Supreme Court ruling on the U.S. Preventive Services Task Force’s (USPSTF) authority over preventive care recommendations, the San Francisco Health Care Security Ordinance (HCSO) annual reporting deadline on May 2, 2025, and President Trump’s recent Executive Order aimed at lowering drug costs. Michelle also highlighted the upcoming Fisher Phillips webinar on April 30, 2025, covering the ...
May 15, 2025•28 min•Ep. 47
In the latest episode of Ask Michelle, Michelle provided crucial updates, including the upcoming April Supreme Court ruling regarding the U.S. Preventive Services Task Force's (USPTF) authority on preventative care recommendations, the San Francisco Health Care Security Ordinance (HCSO) annual reporting deadline of May 2, 2025, and the CMS 2025 Marketplace Integrity and Affordability Proposed Rule. Michelle also addressed listener questions, such as the legality of adding an international prescr...
Apr 01, 2025•24 min•Ep. 46
On this episode of Ask Michelle, Michelle provides crucial updates on paid sick leave laws in Missouri and Michigan, discusses an alternative method for distributing ACA 1095-C forms, and gives an update on the BCBSA class action lawsuit for plans and subscribers. Michelle tackles listener questions, including whether intranet posting of 1095-C notices is acceptable, and clarifies the ALE status for controlled groups with multiple entities and tax IDs. Are you curious about a compliance issue? S...
Mar 19, 2025•30 min•Ep. 45
On this episode of Ask Michelle, Michelle offers important updates for employers, including IRS guidance for states with mandatory paid family and medical leave (PFML) programs, reporting requirements for Paid Leave Oregon's Equivalent Plan, and changes to Affordable Care Act (ACA) reporting. Michelle answers specific questions from listeners, such as whether a 1095-C is required for a full-time employee who started after December 1st, and whether an employer can extend the election period for e...
Jan 28, 2025•32 min•Ep. 44
On this episode of Ask Michelle, Michelle offers important updates on the expansion of paid sick leave to three more states, HIRD reporting requirements, and a federal court's decision overturning the DOL's exempt salary rule. Michelle addresses questions about whether employers can charge lower-wage employees less for health insurance than higher-wage employees. She also discusses whether employers can extend open enrollment deadlines for individual employees. Curious about a compliance issue? ...
Nov 26, 2024•26 min•Ep. 43
On this episode of Ask Michelle, Michelle offers important updates on health FSA contribution limits and the expanded HSA-qualified preventative care list. Michelle answers questions about employer requirements for health insurance contributions and the compliance implications of posting Summary of Benefits and Coverage (SBC) documents on your intranet and document portal. Curious about a compliance issue? Submit your questions to AskMichelle@imacorp.com and Michelle will answer them on the next...
Nov 07, 2024•25 min•Ep. 42
On this episode of Ask Michelle, Michelle is joined by KC Rippstein, Employee Benefits Compliance Practice Lead at IMA. They provided updates on hospital indemnity notices, Medicare Part D notices, and the projected 2025 FSA limit. Michelle answers questions about exempt status of licensed childcare teachers, non-discrimination testing for employee benefits, and disability and paid family leave for remote out-of-state employees. Curious about a compliance issue? Submit your questions to AskMiche...
Oct 01, 2024•33 min•Ep. 41
On this episode of Ask Michelle, Michelle is joined by KC Rippstein, Employee Benefits Compliance Practice Lead at IMA. They provided updates on the projected 2025 FSA limits, the I-9 form extension, and MLR rebates. Michelle answers questions about staying compliant with benefits laws and whether employers can have different contributions for different employee groups. Curious about a compliance issue? Submit your questions to AskMichelle@imacorp.com and Michelle will answer them on the next ep...
Aug 27, 2024•30 min•Ep. 40
On this episode of Ask Michelle, Michelle covers several health insurance topics such as PCORI fees, Section 1557 of the Affordable Care Act (ACA) and offers guidance on what to do if your organization's health plan experiences a data breach. Michelle answered questions regarding eligibility for health spending accounts under COBRA continuation, stand-alone HRAs for employees on spouse's plan, and employer reimbursement for individual plans. Curious about a compliance issue? Submit your question...
May 28, 2024•16 min•Ep. 38
On this episode of Ask Michelle, Michelle is joined by KC Rippstein, Employee Benefits Compliance Practice Lead at IMA. They provided updates on California's Workplace Violence Prevention Plan (WVPP), EEOC's final rule on pregnancy accommodations, and the FTC's recent noncompete ban. Michelle answered questions regarding the WVPP training requirement for employers with remote employees, the RxDC employer survey, and if employees can keep contributing money towards their health spending account (...
May 03, 2024•18 min•Ep. 37
On this episode of Ask Michelle, Michelle is joined by special guest KC Rippstein, Compliance Practice Lead at IMA. They provided updates on the San Francisco HCSO Annual Reporting Form, the FDA's approval of Wegovy for cardiovascular disease prevention, and IRS Warnings regarding Employee Retention Credits (ERC) and FICA wellness savings programs. Michelle and KC answered questions regarding the pretax indemnity plan in regard to critical illness and whether C-Corp Shareholders can participate ...
Apr 02, 2024•33 min•Ep. 36
On this episode, Michelle updates attendees on the upcoming RxDC reporting deadline and the pending Johnson & Johnson class action lawsuit. Michelle answered questions regarding what happens to healthcare FSA accounts when an employee terminates employment, and if organizations are required to perform non-discrimination testing when deducting medical, dental, and vision premiums pre-tax from employee paychecks. Curious about a compliance issue? Submit your questions to AskMichelle@imacorp.co...
Feb 26, 2024•25 min•Ep. 35
On this episode of Ask Michelle, Michelle updates attendees on the deadline to e-file ACA reports, the increased taxable wage cap for Paid Leave Oregon (PLO), and state paid sick leave acts. Michelle answered questions regarding ACA Form 1095-C line 16 Codes, and if employers can pay for an employee's individual Medicare plan. Curious about a compliance issue? Submit your questions to AskMichelle@boltonco.com and Michelle will answer them on the next episode....
Jan 30, 2024•26 min•Ep. 34
On this episode of Ask Michelle, Michelle offers a year-end update on group health plan topics such as when BCBSA Class Action Lawsuit claimants should expect settlement proceeds, the Proposed Rule on Short Term Limited Duration Insurance (STLDI), and MHPAEA compliance. Michelle answered questions regarding employees/family members joining the employer's health plan mid-year after losing Medicaid/Medical eligibility and also explained where self-insured employers submit their gag attestations. C...
Dec 20, 2023•30 min•Ep. 33
On this episode of Ask Michelle, Michelle updates attendees on the Blue Cross Blue Shield Class Action Lawsuit Settlement, California's New Workplace Violence Prevention Standard, and the deadline for EEO-1 Reporting. Michelle answered your questions regarding FSA forfeiture balances and open enrollment deadline extensions. Curious about a compliance issue? Submit your questions to AskMichelle@boltonco.com and Michelle will answer them on the next episode....
Dec 06, 2023•30 min•Ep. 32
On this episode of Ask Michelle, Michelle updates attendees on the expanded California Sick Leave, Medical Loss Ratio (MLR) Rebates, and the next state to require pay transparency and pay data reporting. Michelle answered your questions regarding when businesses must comply with ACA pay rules, COBRA participant Open Enrollment, and explains what a "cafeteria plan" is. Curious about a compliance issue? Submit your questions to AskMichelle@boltonco.com and Michelle will answer them on the next epi...
Oct 31, 2023•20 min•Ep. 31
In this installment of Ask Michelle, Michelle updates attendees on the ACA affordability percentage, Medicare Part D Creditable Coverage Notice, and Gag Clause prohibition and attestations. Michelle answered your questions regarding qualifying events in health insurance, ACA e-filing, and what materials to distribute during open enrollment. Curious about a compliance issue? Submit your questions to AskMichelle@boltonco.com and Michelle will answer them on the next episode....
Oct 03, 2023•32 min•Ep. 30
On this episode of Ask Michelle, Michelle updates attendees on federal transparency efforts, the Pregnant Workers Fairness Act (PWFA), and the deadline for businesses to use the new I-9 form. Michelle answered your questions regarding penalties for employers who fail to comply with the Pay Transparency Law and California's Long-Term Care insurance. Curious about a compliance issue? Submit your questions to AskMichelle@boltonco.com and Michelle will answer them on the next episode....
Aug 02, 2023•29 min•Ep. 29
On this installment of Ask Michelle, Michelle updates attendees on proposed healthcare bills, wellness plan schemes, and requirements small employers must meet to qualify for the Covid-19 Supplemental Paid Sick Relief Grant. Michelle answered your questions regarding non-discrimination rules and the California Bereavement Leave Law. Curious about a compliance issue? Submit your questions to AskMichelle@boltonco.com and Michelle will answer them on the next episode. Best,...
Jun 27, 2023•27 min•Ep. 28
On this episode of Ask Michelle, Michelle Updates attendees on the deadline to pay Patient-Centered Outcomes Research Institute (PCORI) fees and Paid Family and Medical Leave policies. Michelle answered questions about notice requirements regarding the end of the national emergency and polled attendees on ChatGPT use in the workplace. Curious about a compliance issue? Submit your questions to AskMichelle@boltonco.com and Michelle will answer them on the next episode....
Jun 05, 2023•20 min•Ep. 27
On this episode of Ask Michelle, Michelle dives into the details of how the expiring Public Health Emergency (PHE) will impact group health coverage and what the outbreak period end date means for Joint Notice extended deadlines related to Cobra. Michelle also addresses listeners' questions on Medicaid redetermination requirements and whether the Affordable Care Act's (ACA) Pay or Play rules require employers to offer coverage to seasonal employees. Curious about a compliance issue? Submit your ...
Apr 04, 2023•31 min•Ep. 26
On this episode of Ask Michelle, Michelle updates attendees on when the Public Health Emergency (PHE) will end, the return of Medicaid/ Medi-Cal eligibility reviews and this year’s RX cost reporting. Michelle answered your questions regarding how your organization can apply for the California SPSL grant, and what group health plan coverage will be affected when the PHE expires. Curious about a compliance issue? Submit your questions to AskMichelle@boltonco.com and Michelle will answer them on th...
Feb 22, 2023•33 min•Ep. 25
On this installment of Ask Michelle, Michelle updates attendees on the Mineral resources available regarding state FMLA laws, Washington's LTC program, and when to use the ACA line 14 code 1A. Michelle answered your questions regarding K-1 partners participating in an FSA, New York's Overage Dependent Law and pay scale transparency with internal employees. Curious about a compliance issue? Submit your questions to AskMichelle@boltonco.com and Michelle will answer them on the next episode....
Jan 25, 2023•34 min•Ep. 24
In this installment of Ask Michelle, Michelle updates attendees on upcoming compliance deadlines and programs, including the expiring HSA no-cost/ low-cost telehealth relief and what to expect in 2023 for the Public Health Emergency (PHE) order. Michelle answered your questions regarding Section 125, Colorado's paid family and medical leave, and pay data reporting. Curious about a compliance issue? Submit your questions to AskMichelle@boltonco.com and Michelle will answer them on the next episod...
Dec 19, 2022•37 min•Ep. 23
On this episode of Ask Michelle, Michelle is joined by Kathy Krul-Manor and Larry Comp to update attendees on the importance of California's new pay transparency law and the regulations organizations must follow. Michelle answered your questions regarding how to address pay gaps, requirements for employees outside of California, and penalties for not disclosing pay information. Curious about a compliance issue? Submit your questions to AskMichelle@boltonco.com and Michelle will answer them on th...
Nov 22, 2022•57 min•Ep. 22
On this episode of Ask Michelle, Michelle polls attendees on the new California transparency law and discusses big updates including, 2023 FSA limits and the fix for the ACA "family glitch." Michelle answered your questions regarding requirements for labor law posters with remote workers, specifications determining a qualifying event, life insurance conversions, and handling FSA deductions during a termination. Curious about a compliance issue? Submit your questions to AskMichelle@boltonco.com a...
Oct 24, 2022•34 min•Ep. 21
On this episode of Ask Michelle, Michelle updates attendees on upcoming compliance deadlines and programs, including MLR rebates, open enrollment regulations and the BCBSA class action lawsuit. Michelle answered your questions regarding when to deduct voluntary life premiums, deduction types for Aflac policies, and handling FSA maximums for new hires. Curious about a compliance issue? Submit your questions to AskMichelle@boltonco.com and Michelle will answer them on the next episode....
Sep 23, 2022•31 min•Ep. 20
Michelle explores how newly passed federal regulations may significantly increase healthcare cost transparency, as well as impact OSHA guidelines due to relaxed COVID-19 restrictions. Michelle included updates regarding the rise of medical renewals, and answered your questions around domestic partner healthcare regulations, employers ability to pay for Medicare premiums, and FMLA regulations to terminate coverage. Curious about a compliance issue? Submit your questions to AskMichelle@boltonco.co...
Aug 30, 2022•32 min•Ep. 19
On this episode of Ask Michelle, Michelle is joined by IMA's Employee Benefits Compliance Attorney, Craig Truitt, to discuss how employers can boost employee retention and recruitment, including ways to expand benefits impacted by the Dobbs decision. Michelle answered your questions regarding legal rules associated with employee relocation, terminating benefits for extended medical leave, and qualifying payment alternatives for domestic partner premiums. Curious about a compliance issue? Submit ...
Jul 29, 2022•50 min•Ep. 18
Join Michelle Cammayo as she covers several pertinent topics surrounding return to work efforts in this edition of Compliance Talk. Now that mask mandates are in flux, what are employers supposed to do as employees make their way back into the office? Michelle provides input on this topic as well as the latest news regarding COBRA subsidies—specific to the American Rescue Plan Act. You’ll also hear about the latest news regarding the Blue Cross Blue Shield settlement and what employers should do...
Jun 24, 2021•38 min•Ep. 17
