There’s not much in life that comes without a little bit of waiting. This includes a “waiting period” before enrollment onto a group health plan as a new employee. The Affordable Care Act (ACA) changed how long a wait period can be imposed by an employer.
In August 2012, the IRS and DOL issued ACA guidance on the 90-day waiting period for plan years beginning on or after January 1, 2014. Simply put, an eligible employee or dependent does not have to wait more than 90 days before being covered under the group health plan. Do you have to change your waiting period for new hires to enroll onto your group health plan? How long is your current waiting period for new hires to enroll onto your health plan? Please comment below.
Easy enough, right? Maybe not. Does this apply to all employers? All plans? Are there any exceptions to this rule? What if you enroll the employee on the first of the month following 90 days, does that meet the 90-day waiting period rule?
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