INSURANCE COMPLIANCE services 

We are committed to making complicated issues seem simple — for you and your customers. We’ll help you navigate the uncertainty of regulations affecting you, your clients, and their employees.
 

The Help You Need Is All Right Here

We’re here to assist with compliance-related matters, employer reporting, and complex regulations. We make complicated issues seem simple, with valuable resources and answers to your specific questions. We’ll help you navigate the uncertainty of state and federal laws affecting you, your clients, and their employees

WBCompliance

Our in-house Compliance team is staffed by experts who are here to simplify your life. Exclusive to our General Agency, they’re on call to answer any of your Compliance questions. 

ACA Guidance

Whether you have a client-specific, scenario-based Affordable Care Act (ACA) or Department of Labor (DOL) inquiry, you can count on us to deliver the answers, resources, and support you and your clients want.

  • ERISA

    We can simplify your clients’ administration, ensure their program can pass the ERISA coverage test, and protect benefits with a Wrap Plan bundling health and welfare.

  • Premium Only Plan (POP)

    A POP offers savings to clients and employees, because of reduced payroll taxes and the ability to deduct insurance premiums or HSA contributions on a pre-tax basis.

  • COBRA

    Employer compliance with COBRA is mandatory and non-compliance fees can be substantial. We offer your eligible groups free COBRA administration, helping them save money and avoid fines.

  • HR Support

    Offer your clients access to an online, centralized benefits and Human Resources (HR) management tool from Ease, or our no-cost HRWow benefits administration tool from Mineral.

  • ACA IRS Reporting

    Help your clients with annual IRS reporting and related services like mandated employer letters, ERISA Wrap documents, Form 5500 preparation and filing, and more.

  • ACA Calculators

    We have calculators designed to help you determine whether your clients are subject to ACA “play or pay” mandates, forecast potential penalties, and more.

Compliance content from our newsroom

  • Annual 2023 Employer Compliance Responsibilities

    December 12, 2022 | By Paul Roberts

    California & Nevada

    With January quickly approaching, employers face their annual compliance responsibilities regarding health plans, federal Affordable Care Act (ACA) compliance, and COBRA responsibilities. Find out how you can help them stay in compliance and avoid penalties

  • CAA’s Prescription Drug Data Collection (RxDC) Requirements for Health Plans

    December 12, 2022 | By Paul Roberts

    California & Nevada

    Health plans are required by new federal CAA law to produce reports to CMS detailing Rx drug spending, for calendar years 2020 and 2021 by December 27, 2022, and by June 1st each year thereafter. Here’s what you need to know.

  • New Compliance Requirement for California Insurance Agents’ Email Communications

    December 29, 2022 | By Paul Roberts

    California

    A new state law requires California insurance brokers and California insurance agencies to list their license numbers in all electronic mail communications involving an activity that requires licensure, effective 1/1/2023. Here’s what you need to know.

  • Annual ACA IRS Reporting Overview and Employee References

    January 24, 2023 | By Paul Roberts

    California

    Learn about Applicable Large Employer (ALE) reporting requirements, with due dates quickly approaching beginning in late February. Also included is an employee-facing reference to help employees understand IRS Form 1095-C.

SEIZE THE OPPORTUNITY

 Talk to a representative and find out how to get started with Word & Brown.