PRISM Login

To access the carrier product and rate information provided by PRISM, check the box below indicating you have read and agree to the license agreement. A button will then appear to access PRISM.

This site uses cookies to track your agreement option. If the terms of the license agreement change or if you clear the cookies from your browser, this page will appear once again during the PRISM login process.

Delta Dental Quoting

Employer contribution entered in Dental Contribution under Group Information affects the Delta Dental plans and rates returned. Please be aware that Delta Dental will require groups with 100% employer contribution to have 100% participation.

If you need assistance, please contact our Quotes team at quotes@claremontcompanies.com or 800.696.4543.

Login To Prism

Excluding Certain Veterans From The ALE Determination

Excluding Certain Veterans From The ALE Determination

By Catrina Reyes, J.D., M.P.A., Policy Analyst and Compliance Manager, Nov 2, 2015, < 1 Minute Read

The Surface Transportation and Veterans Health Care Choice Improvement Act, signed into law by the President on July 31, 2015, allows employers to exclude certain veterans from the employee count when determining whether an employer is an Applicable Large Employer (ALE) subject to the Large Employer Mandate. Specifically, employers can exclude for any month, veterans that have medical coverage provided by any of the uniformed services (including TRICARE) or under certain Veterans’ Affairs (VA) health care programs. An ALE is an employer that employed an average of at least 50 full-time (FT) and full-time equivalent (FTE) employees in the prior calendar year. The effective date of this exclusion is January 1, 2014, which means it can retroactively be applied.

The exclusion is intended to encourage employers, especially smaller employers near the ALE threshold, to hire more veterans by giving them some relief from the Large Employer Mandate. The Large Employer Mandate requires ALEs to offer Minimum Essential Coverage, that is Minimum Value and affordable, to substantially all of its FT employees and their dependents (does not include spouses) or otherwise be assessed a penalty.

To learn more about the Large Employer Mandate, download Claremont’s essential ‘Play or Pay’ guides.