Play or Pay Solutions
The Must-Have Guides to Support Your Groups
97% of employers expect their benefits broker to answer compliance questions, provide guidance, and ensure they are well informed about legislative changes, according to a recent Zywave survey. These expectations require that brokers know the Large Employer Mandate (also known as Play or Pay) and how employers will be impacted.
Large employers, those with 100 or more full-time (FT) employees plus full-time equivalent (FTE) employees, may already know they are subject to the Play or Pay Mandate, and have taken action. It’s the smaller employers, those with 50-99 FT plus FTE employees, that could be at risk because it isn’t always obvious if an employer is subject to the mandate.
To properly identify Applicable Large Employers (ALEs), it’s important to avoid conclusions based on a cursory employee count. Under the mandate, all employees of all businesses that are part of a controlled group and/or affiliated service group must be included in the determination of the group size. Hence, businesses with only a few employees can be subject to the mandate if the business is part of a controlled group and/or affiliated service group, and the number of FT and FTE employees combined for all businesses equals 50 or more.
It’s critical you know which employers are subject to the mandate, the compliance requirements and penalties, and how to address their needs. Use Claremont’s comprehensive ‘Play or Pay’ resources to understand the mandate and work closely with your employers to plan ahead and successfully manage the new requirements.
To easily understand the ‘Play or Pay’ Mandate, Claremont’s solutions demystify and distill hundreds of pages of statutes and regulations to help you:
- Identify which clients are likely to be ALEs.
- Address the concerns and unique obligations of ALEs.
- Support your employer groups.
- Successfully grow and retain your book of business.
Submit the form on this page to download these exclusive broker and employer resources filled with actionable tips, helpful examples and more:
- Understanding ‘Play or Pay’: The Broker’s Guide to the Large Employer Mandate
- How to Identify Impacted Employers
- Plan Provisions Checklist
- Executive Summary for Employers*
- ACA Information Reporting*
- Compliance Checklist*
- Advantages of Employer-Sponsored Health Benefits*
- Professional Advisors and Services
*Download and distribute these guides to your prospects and clients.
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