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To our policyholders in areas affected by the recent hurricanes, please know that the thoughts and prayers of everyone at Aflac are with you. We are working with government agencies that represent all declared disaster areas to ensure we do everything possible to help you. Based on that guidance, we have extended the due dates for policy premiums by 60 days for those living in places that have been declared disaster areas. If you have a question about your policy or need help, contact us at 800-992-3522. To help with the recovery, Aflac made a $500,000 donation to the American Red Cross, and our employees are making their own private contributions. Please be safe, as the care of you and your families is paramount.
The Affordable Care Act (ACA) requires all employers subject to the Fair Labor Standards Act (FLSA) to communicate to their employees about their health care coverage options – regardless of whether the company offers employee benefits or not. While employers were expected to communicate this information to existing employees in the fall of 2013, employers are required to provide new employees with the Notice of Coverage Options within 14 days of hire.
Employers subject to the FLSA are required to complete this communication requirement. This includes companies with annual sales of $500,000 or more, schools and similar learning organizations, hospitals and related facilities, and federal, state and local government agencies. The Department of Labor’s (DOL) FLSA advisor tool can help determine if your company is required to comply with the FLSA. It is available at: dol.gov/elaws/esa/flsa/scope/screen24.asp.
Provide a written Notice of Coverage Options to new employees within 14 days of hire, regardless of an employee’s part-time or full-time status or their eligibility for group health plan options.
The notice helps to inform employees about the coverage offered or not offered by your organization, as well as the availability of the federal or state health insurance marketplace. It also informs employees if they’re eligible for a premium tax credit and that if they choose to purchase a qualified health plan through the marketplace, the employee may lose the employer contribution – if any – to health insurance benefits offered by the employer.
The DOL has developed two model notices employers can use to comply with this communication requirement:
The notice must be written and understandable by the average employee. It may be provided by first-class mail or electronically if the DOL’s electronic delivery requirements are met or the employee consents.
No. If your company is governed by the FLSA and you didn’t provide a written notice to employees by Oct. 1, 2013 – at this time – there isn’t a fine or penalty for failing to provide the notice. However, you should inform them as soon as possible.
This material is intended to provide general information about an evolving topic and does not constitute legal, tax or accounting advice regarding any specific situation. Aflac cannot anticipate all the facts that a particular employer or individual will have to consider in their benefits decision-making process. We strongly encourage readers to discuss their HCR situations with their advisors to determine the actions they need to take or to visit healthcare.gov (which may also be contacted at 800-318-2596) for additional information.