Annual Notices

Annual Employee Notice Services: Stay Compliant, Effortlessly.

Employers that offer group benefit plans are required under the Employee Retirement Income Security Act (ERISA) to provide employees with annual notices explaining their rights, coverage details, and plan updates. These notices promote transparency, protect employees, and help employers stay compliant with federal regulations. Each year, specific notices and disclosures must be distributed to ensure employees are informed of their benefits, privacy rights, and continuation coverage options. Missing or late notices can result in costly penalties and increased liability.

Simplify Your Annual Notice Process

At Essential HR, we simplify your annual compliance process by identifying which notices apply to your specific plans, preparing and distributing them on time, and keeping your documentation audit ready. Our goal is to ensure your organization stays compliant, protected, and confident throughout the year.

What Are Annual Employee Notices?

Annual employee notices are required to be provided by the employer informing employees of their rights regarding benefits.

The Medicare Part D Notice of Creditable Coverage informs employees about their prescription drug coverage and how it compares to that offered by Medicare. This form must be sent to individuals who are eligible for Medicare Part D, although it is best to send it to every employee because it can be difficult to identify which of your employees, spouses, or dependents fall under this category.

Employees who are eligible for premium assistance through the Children’s Health Insurance Program (CHIP) or Medicaid state programs must receive this annual notice, although it is typically sent to all employees. It includes information about the benefits of CHIP and how families can apply for the program.

A basic requirement of the continuation of health coverage under federal COBRA is providing an initial notice to any covered employees, along with their covered spouses. It must be sent within the first 90 days of coverage but only needs to be provided once.

The WHCRA notice is for individuals who choose to have a breast reconstruction procedure following a mastectomy. If your company’s health plan provides coverage for mastectomies, it must also cover certain services related to the procedure. These notices must be sent upon enrollment and on a yearly basis thereafter.

This notice does not require annual distribution, but it is considered good practice to include it with other annual notices. It must be sent before an employee provides you with health information, and employees must be given time to decide whether they wish to participate in the program.

Companies are required to provide a Health Insurance Portability and Accountability Act (HIPAA) special enrollment notice when employees are offered the chance to enroll in their health plans. However, this notice is so important that many companies choose to deliver it annually with other notices. It explains eligibility and the enrollment process.

The Primary Care Provider Designation Patient Protection Notice informs employees of their rights should they need to be hospitalized, such as the right to choose their own primary care provider regardless of whether your company has a preferred provider organization (PPO).

Stay compliant, reduce risk, and protect your business — partner with Essential HR for complete ERISA notice management.
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