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Benefit Plan Compliance

All employers who offer health benefits to employees must ensure compliance with policy and notice requirements under benefit plan compliance laws. Applicable laws include the Health Insurance Portability and Accountability Act (HIPAA) and the Consolidated Omnibus Budget Reconciliation Act (COBRA). Failure to implement required policies, procedures, and notices as mandated by these laws can result in penalties up to $25,000.


Consolidated Omnibus Budget Reconciliation Act (COBRA) Compliance - COBRA notice requirements intend to ensure that employee health plan participants understand their rights and obligations relating to continuation of health insurance coverage after a qualifying event occurs (e.g. termination of employment). Federal COBRA applies to businesses with 20 or more health plan participants. (Businesses with health plans covering less than 20 individuals may have to comply with state mini-COBRA laws.)

Documentation/Forms

COBRA General Notice Continuation Coverage Rights [PDF]
COBRA Continuation Coverage Election Notice [PDF]
Notice of Denial/Unavailability of COBRA Coverage [PDF]
Notice of Early Termination of COBRA Coverage [PDF]


Health Insurance Portability and Accountability Act (HIPAA) Compliance - HIPAA privacy and security rules require covered entities to implement safeguards that protect personal health information (PHI). Employers who offer health insurance benefits to employees must implement workplace policies and procedures to comply with these rules. (Note: Other covered entities, including hospitals and medical offices, must comply with stricter requirements. The forms below only apply to employer health insurance plans).

Documentation/Forms

HIPAA Privacy Rule Employee Confidentiality Form [PDF]
HIPAA Privacy and Security Policy Acknowledgement Form [PDF]
HIPAA Privacy Rule Authorization for Release of Health Information [PDF]
Plan Sponsor’s HIPAA Privacy Rule Certification Form [PDF]
HIPAA Security Policy Acknowledgment Form [PDF]
HIPAA Security Rule Risk Analysis Checklist [PDF]
HIPAA Security Rule Project Form [PDF]