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December Compliance Recap

Monday, January  14,  2019

December was a relatively quiet month in the employee benefits world. A U.S. District Court issued an order declaring that the Patient Protection and Affordable Care Act (ACA) is unconstitutional. The Equal Employment Opportunity Commission (EEOC) issued two final rules to remove certain wellness program incentives. The Department of Labor (DOL) updated its Form M-1 … Continue reading

Innovative Benefit Planning Celebrates 30 Years of Business

Thursday, January  10,  2019

As we enter 2019, Innovative Benefit Planning celebrates 30 years of success as a national, employee benefit, and financial services company.  Founded in 1989 by Terriann Procida and Mark Sulpizio in Mt. Laurel, NJ, the firm’s vision was to provide unique employee benefit consulting and financial planning services to businesses and their executives in the … Continue reading

Workplace Wellness Tips to Fend off the Flu

Wednesday, January  9,  2019

It’s that time of year again, when we start to hear coughing, sniffling and sneezing around the office and everyone starts to panic because no one wants to get sick, especially with the flu! When is flu season? Flu season begins in October and ends as late as May, however the peak season is happening … Continue reading

10 FAQs Regarding The New Jersey Paid Sick Leave Act

Tuesday, January  8,  2019

1.) Earned sick leave may be used for: The treatment, care or diagnosis for employee or family member Employee or family member a victim of domestic or sexual violence (*has no 25 employees +  or 1,000 hours worked requirement like the NJ Safe Act). Workplace or school/daycare closed by a public official due to an epidemic … Continue reading

Is Your Workplace Wellness Program Compliant?

Friday, January  4,  2019

In a recent settlement, the Department of Labor (DOL) imposed over $160,000 in fines and penalties on an employer for the noncompliant tobacco surcharge they imposed through their plan’s Wellness Program. A common Wellness Program design is to impose a premium surcharge to employees who use tobacco products. This surcharge is acceptable granted it follows … Continue reading

New Year, Fresh Start

Thursday, January  3,  2019

2019 is in full swing and it’s the time of year that we get to designate as a fresh start and new beginnings. It’s a tradition in which we resolve to change an undesired trait or behavior, to accomplish a personal goal or otherwise improve our health and life in general. About 40% of Americans … Continue reading

Innovative Welcomes Shemelia McClain as Executive Account Manager

Wednesday, January  2,  2019

Innovative Benefit Planning is excited to welcome Shemelia McClain as our new employee benefit Executive Account Manager. Shemelia brings to Innovative more than 20 years of experience as an account manager and leader in the employee benefits industry.  In her new role as Executive Account Manager, Shemelia will be responsible for strengthening and maintaining Innovative’s … Continue reading

The IRS Increases the PCORI Fee

Monday, December  24,  2018

The Internal Revenue Service announced that the Patient-Centered Outcomes Research Institute (PCORI) fee will rise to $2.45 (from $2.39) per covered life in plan years that fall between October 1, 2018, and September 30, 2019.  This increase will have an impact on 2019 plan year rates and is attributable to a rise in health care … Continue reading

Tax Credit Check from Horizon

Friday, December  21,  2018

Attention Horizon customers! You may have received or will receive shortly, a check in the mail from Horizon regarding a tax credit refund check. Note, this is a legitimate check and you can use these funds however you see fit. Why are you receiving this check? In late 2017, the Federal Tax Reform was enacted … Continue reading

Retirement Match on Student Loan Debt- UPDATE

Friday, December  21,  2018

In October we reported on a Private Letter Ruling the IRS issued for an employer interested in offering a student loan repayment benefit through their 401(k) plan.  While the ruling only applied to the plan and plan sponsor who requested it, we suspected at the time that the ruling would most likely expand interest in … Continue reading


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