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If you have any questions or need assistance, please reach out to your Gulfshore Insurance Account Manager.

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in employee benefits insurance including group medical, dental, vision, life insurance, short and long term disability, voluntary life, employee assistance programs, wellness programs, individual life insurance, and more. Our insurance and risk management advisors are experts can provide valuable services including benefits plan design and administration, human resources support, funding options, compliance assistance, benefit administration, and enrollment services. Gulfshore Insurance services Naples, North Naples, Marco Island, Bonita Springs, Fort Myers, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.

HR Compliance Bulletin Gulfshore Insurance Employee Benefits Naples Florida EEOC Adds 18 FAQs on COVIDOn Sept. 8, 2020, the Equal Employment Opportunity Commission (EEOC) added 18 new answers to frequently asked questions (FAQs) to its existing guidance on how employers should comply with the Americans with Disabilities Act (ADA) while also observing all applicable emergency workplace safety guidelines during the coronavirus (COVID-19) pandemic. The agency also updated two of the FAQs from the existing guidance.

The new and updated FAQs clarify the types of questions employers may ask employees related to COVID-19 and how employers must handle any medical information they obtain about their employees. The new FAQs also provide expanded guidance on providing telework as a reasonable accommodation both during and after the pandemic.

This HR Compliance Bulletin contains only the FAQs that were added or updated on Sept. 8, 2020. Employers that are subject to the ADA should not only become familiar with these FAQs, but also review the EEOC’s full guidance, which was initially issued on March 18 and updated several times in April, May and June 2020. An employer is subject to the ADA if it has 15 or more employees. Smaller employers may be subject to similar rules under applicable state or local laws..

Click here to download the full HR Compliance Bulletin

 

Ryan Laude is a Client Advisor at Gulfshore Insurance specializing in employee benefits. Ryan works with a wide range of businesses to create the best funding options that fit their needs. Comments and questions are welcome at rlaude@gulfshoreinsurance.com

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in employee benefits insurance including group medical, dental, vision, life insurance, short and long term disability, voluntary life, employee assistance programs, wellness programs, individual life insurance, and more. Our insurance and risk management advisors are experts can provide valuable services including benefits plan design and administration, human resources support, funding options, compliance assistance, benefit administration, and enrollment services. Gulfshore Insurance services Naples, North Naples, Marco Island, Bonita Springs, Fort Myers, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.

IRS Issues Guidance on Payroll Tax Deferment Presidential OrderOn Aug. 8, 2020, President Donald Trump ordered the U.S. Department of Treasury to defer collecting certain payroll taxes from wages earned between Sept. 1 and Dec. 31, 2020.

On Aug. 28, 2020, the Internal Revenue Service (IRS) issued Notice 2020-65 (the Notice) to provide guidance for affected employers. Employer participation in these deferrals is permitted, but not required. The Notice releases employers from their obligation to collect and pay payroll Social Security taxes for individuals who receive applicable wages, defined as compensation that is less than $4,000 for a biweekly pay period, or “the equivalent threshold amount with respect to other pay periods.” Employers must determine whether applicable wages exist every pay period between Sept. 1 and Dec. 31, 2020.

Click here to download the legal update

We will continue to share information as it becomes available and keep you informed.

Ryan Laude is a Client Advisor at Gulfshore Insurance specializing in employee benefits. Ryan works with a wide range of businesses to create the best funding options that fit their needs. Comments and questions are welcome at rlaude@gulfshoreinsurance.com

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in employee benefits insurance including group medical, dental, vision, life insurance, short and long term disability, voluntary life, employee assistance programs, wellness programs, individual life insurance, and more. Our insurance and risk management advisors are experts can provide valuable services including benefits plan design and administration, human resources support, funding options, compliance assistance, benefit administration, and enrollment services. Gulfshore Insurance services Naples, North Naples, Marco Island, Bonita Springs, Fort Myers, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.

Employee Benefits New FMLA Forms Issued by the DOLThe Family and Medical Leave Act (FMLA) provides certain employees with up to 12 weeks of unpaid, job-protected leave per year and that their group health benefits be maintained during the leave. This law applies to all public agencies, public and private elementary and secondary schools, and companies with 50 or more employees. Covered employees may take leave under FMLA for the following reasons:

  • The birth and care of a newborn child
  • The placement of a child with the employee for adoption or foster care
  • To care for an immediate family member with a serious health condition, including a spouse, child, or parent
  • If an employee has a serious health condition and is unable to perform the essential functions of their job
  • Any qualifying exigency relating to a spouse, child, or parent who is a military member and on covered active duty or called to covered active duty status

 

What Changes Were Made to New FMLA Forms?
New FMLA forms were released in July 2020 by the Department of Labor (DOL). The new forms make it easier for employers, employees, leave administrators, and healthcare providers to gather and deliver data. DOL’s Wage and Hour Division (WHD), which made the announcement and oversees FMLA enforcement, indicates that the updates will result in the following improvements:

  • Reduce the time users spend providing information
  • Improve communications between leave applicants and administrations
  • Reduce the likelihood of violations

 

In-Depth: How Do the Updated FMLA Forms Work?
In a recent article, legal publication The National Law Review points out while the forms are optional, they “include information that must be communicated to the employee.” The updated forms include:

  • Form WH-381 (Notice of Eligibility & Rights and Responsibilities): This form alerts employees about eligibility requirements under the FMLA, and should be delivered to workers upon requesting FMLA leave. The new version of this form makes it easier for employees to indicate why they’re requesting leave and when they plan to return.
  • Form WH-382 (Designation Notice): This form is delivered to employees to alert them if a requested leave has been designated as covered under FMLA. It also includes the approved amount of FMLA leave. According to SHRM, the latest update outlines steps employees should take if they filled out an insufficient request.
  • Forms WH-380-E and WH-380-F (Certification of Health Care Provider for Employee’s Serious Health Condition): Each of these forms should be used when an employer requests an employee to submit verification of their medical reason for leave. The first form is reserved for employees with serious health conditions and the second applies to employees’ family members with serious health conditions. Now, these forms require providers to include a “best estimate” of future treatment.
  • Forms WH-384, WH-385, and WH-385-V (Certifications for Military Family Leave): Form WH-384 applies to eligible employees whose spouse, child, or parent is an active duty member of the military or has been notified of an impending call or order to active duty. Form WH-385 applies to eligible employees who need to care for a covered servicemember with a serious illness or injury. Finally, Form WH-385-V applies to eligible employees seeking to take FMLA leave to care for a covered veteran with a serious illness or injury.

 

We will continue to share information as it becomes available and keep you informed.

Ryan Laude is a Client Advisor at Gulfshore Insurance specializing in employee benefits. Ryan works with a wide range of businesses to create the best funding options that fit their needs. Comments and questions are welcome at rlaude@gulfshoreinsurance.com

Gulfshore Insurance is a Naples, Florida based insurance agency specializing in employee benefits insurance including group medical, dental, vision, life insurance, short and long term disability, voluntary life, employee assistance programs, wellness programs, individual life insurance, and more. Our insurance and risk management advisors are experts can provide valuable services including benefits plan design and administration, human resources support, funding options, compliance assistance, benefit administration, and enrollment services. Gulfshore Insurance services Naples, North Naples, Marco Island, Bonita Springs, Fort Myers, and Southwest Florida. We have office locations in Naples, Fort Myers, Fort Lauderdale, and Sarasota.

Employee Benefits IRS Releases 2021 Limits for Health Savings AccountsThe Internal Revenue Service (IRS) has issued Revenue Procedure 2020-32 which includes maximum contribution, deductible and out-of-pocket maximum limits for Health Savings Accounts and HSA-compatible high deductible health plans (HDHP) for the 2021 calendar year. These amounts are updated each year to reflect cost-of-living adjustments.

What is an HSA and who is eligible?
An HSA is a tax-exempt savings account that employees can use to pay for qualified health expenses. To be eligible for an HSA, one must:

  • Be covered by a qualified high deductible health plan (HDHP)
  • Not have any disqualifying health coverage (non-HDHP)
  • Not be enrolled in Medicare
  • Not be claimed as a dependent on someone else’s tax return


The 2021 HSA max contributions have increased to: 

  • Single Coverage: $3,600 ($50 increase from 2020)
  • Family Coverage: $7,200 ($100 increase from 2020)


The 2021 HDHP Minimum Deductible*: 

  • Single Coverage: $1,400 ($0 change from 2020)
  • Family Coverage: $2,800 ($0 change from 2020)


2021 HDHP Maximum Out-of-Pocket Limit**: 

  • Single Coverage: $7,000 ($100 increase from 2020)
  • Family Coverage: $14,000 ($200 increase from 2020)


For those 55 and older, catch-up contributions remain at $1,000. 

* The deductible does not apply to preventative care services, nor to services related to COVID-19 testing. 

** If the HDHP is a non-grandfathered plan, a per-person limit of $8,550 also will apply due to ACA’s cost-sharing provision for essential health benefits.