ecs.consociate.comWelcome to Consociate Health's Plan Document System
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Help Forgot Password Login Home Documents PREMIUM ONLY PLAN DOCUMENT ERISA “Wrap” DOCUMENT SECTION 125 – FLEXIBLE SPENDING ACCOUNT SECTION 125 – DEPENDENT CARE HEALTH REIMBURSEMENT ARRANGEMENT TRANSPORTATION DOCUMENT Brochures Compliance In The News About Us Contact Us Log In Log Out Get Started -- Plan Document Creation & Non-Discrimination Testing ENVIRONMENT The Employee Retirement Income Security Act (ERISA) requires that employers who offer welfare benefit plans to maintain a written plan document and summary plan description for each plan. These documents are a crucial part of any benefit program offered by employer groups as they communicate the plan benefits and how each plan operates. If an employer only provides a health plan and allows the employees to pretax the premiums, the employer is required to have a written Section 125 Premium Only Plan. Other employers may offer several benefits including an FSA and/or an HRA. Both of these plans require a written plan document and summary plan description. ERISA also requires that all private sector employers, regardless of size, to provide a summary plan description or “wrap document” to employees that encompasses all benefits being offered. SOLUTION Our compliant document system includes this website interfaced with a proprietary system that generates custom documents for employers. The system allows you to select your desired document then complete a detailed list of questions that in turn generate a custom document for your business. The system provides an Employer, Agent and Administrator login for easy management, tracking and reporting. Customized brochures for employers and employees are made available on the customized site. The brochures are provided in a PDF format. All of the documents and discrimination testing compliance is reviewed by a nationally recognized law firm. All documents and discrimination tests are electronically stored within the system for later reference. The documents also include a date and time stamp of the original or any subsequent revisions. News 05/14/2020 The IRS releases guidance for an increase in the FSA carryover amount. The IRS explains that the guidance addresses unanticipated changes in expenses because of the COVID-19 pandemic. More 05/14/2020 IRS Provides COVID-Related Cafeteria Plan Relief Employers and advisors have been seeking cafeteria plan relief in connection with the COVID-19 outbreak and will appreciate being able to offer additional flexibility to employees. More 04/03/2020 Stimulus Package Impacts Employer Benefit Plans Included in the Act is a provision reauthorizing the ability of participants in health care FSAs, certain Health Reimbursement Arrangements (HRAs), and health savings accounts (HSAs) to have over-the-counter medications as items eligible for reimbursement without the necessity of a prescription. More 12/03/2019 2020 Limits for Health Savings Accounts (HSAs) The IRS has released the 2020 cost-of-living adjusted limits for health savings accounts (HSAs) and high-deductible health plans (HDHPs). More 12/03/2019 The New ICHRA and EBHRA Expand Health Coverage The Departments of Labor, Treasury, and HHS jointly issued a final rule to expand the flexibility and use of HRAs. More Copyright (c) 2020 . All rights reserved. Developed by RTO Benefits...
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