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Do not allow your company to be liable for non-compliance COBRA administration.

Compliance Readiness – Administering COBRA and Premium Collection – it’s much more than just telling employees or dependents they can stay on your health plan, but it doesn’t have to transform your entire workday into a wrestling match with COBRA paperwork either.

Our Record of Helping Employers Deal With COBRA Speaks for Itself

Infinisource, Inc. performs the daily administration of COBRA, HIPAA, FSA, HRA, Enrollment & Eligibility, Premium Billing and Online Reporting for more than 12,000 employers in 46 states, including HMOs, TPAs, and carriers. We offer HIPAA Compliance Software designed for Privacy compliance in April of 2004. In addition, the Seminar Department of Infinisource, Inc. has trained more than 225,000 people across the country on proper compliance procedures at its highly acclaimed COBRA "Alert"™ Seminars. Infinisource, Inc. is in an excellent position to understand and to help prevent the problems employers face on a daily basis with COBRA.


The Service Response Teams handle an average of 5,000 telephone calls a week from employers, attorneys, carriers and insurance professionals. The calls range from basic questions to advice on how to avoid COBRA failures costing hundreds of thousands of dollars. Combined with its administration and seminars, Infinisource, Inc. is able to provide a practical application of the law due to its consultations with the IRS, DOL and Congress to further benefit clients.


Human beings actually answer the telephones! Questions are directed courteously, quickly and effectively from person to person ... not menu to directory. Exceptional customer service has led to a 94 percent client retention rate over the last 17 years.


Your COBRA Compliance Readiness


At Infinisource, Inc. we know administering COBRA and Premium Collection - it's much more than just telling employees or dependents they can stay on your health plan, but it doesn't have to transform your entire workday into a wrestling match with COBRA paperwork either.


The ideal COBRA compliance program should have two guiding goals: Keep the IRS out of your business and keep your business out of court.

To get an even better idea of your COBRA state of affairs, use the following checklist to see how well you meet the IRS and DOL stringent COBRA regulations - Or, where you may be making costly COBRA errors.


COBRA COMPLIANCE REQUIREMENTS UNDER TAMRA(TECHNICAL AND MISCELLANEOUS REVENUE ACT)
Proof of COBRA Training
Written COBRA Procedures (manual with instructions)
Documentation of Program Design (when first subject to COBRA) and Program Updates (through present)
Documentation of Program Monitoring
To pass the TAMRA portion of an IRS audit all four check marks are necessary


COBRA NOTIFICATIONS
General Notification (Overall mailing required when first subject to COBRA, remailed in 1990 if applicable, and a continuous mailings to new insurance enrollees)
General Notification (Overall mailing required when first subject to COBRA, remailed in 1990 if applicable, and a continuous mailings to new insurance enrollees)
Qualifying Event Election Notification
Notice of Unavailability
Notice from Qualified Beneficiary of extensions reported to the employer (secondary events and disability)
Extension Notification (secondary events and disability)
Conversion Notification (required if your group health plan has a conversion option)
Premium Billing Notice
Open Enrollment Notice
Notice of Early Termination
Expiration Notice (recommended – not a specific requirement)
Disclosure to health care provider
Twelve check marks indicate a complete COBRA program (New DOL Final Regulations issued May 26, 2004, require updating of all notification language.)


ACCEPTING ELECTIONS AND PREMIUMS
Premium Billing Procedures (optional-not a requirement)
Insignificant Premium Underpayment Procedure
Complete & Accurate disclosure to Health Care Providers
Cancellation Procedures (voluntary and involuntary)
Verification of Correct Election
Five check marks indicate proper compliance.


DOCUMENTATION SYSTEMS
Documentation of Each Notice Sent
Documentation of COBRA Dates (29 dates possible per beneficiary)
Documentation of Notification Language Updates (1986 to present)
Documentation of Procedural Updates (1986 to present)
Documentation of events reported to employer/plan administrator for divorce/dependent events and disabilities
Five check marks are necessary to PROVE compliance if challenged.
Five checkmarks may be necessary to PROVE compliance if challenged.

So, how did you do?

Complete this form for your free Audit Request today!
COBRA Compliance Request Form


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Information provided by Infinisource, Inc. and used with their permission.

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human resource, ADP, FSA, HIPAA, COBRA Administration, Temporary insurance,
Benefit Administration, TPA, human resource management, human resource
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