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QSE-HRA Video Released — Plan Documents @ Introductory $199

Buried deep within the 21st Century Cures Act of 2016 is a provision outlining an employee benefit option widely applauded by small employers. It may also be a late play by supporters of the Affordable Care Act (ACA) to make that law’s survival more relevant to more people. Whether or not that is the case, the tie-in to the ACA brings more rules and limits, and that means an understandable amount of questions and uncertainties about the new Qualified Small Employer Health Reimbursement Arrangement (QSE-HRA) from employers eligible to implement it.

For the most part, the QSE-HRA is the same kind of supplemental Plan once known as a stand-alone Health Reimbursement Arrangement (HRA). Small employers unable to afford a group health insurance policy for all of their employees could sponsor a plan that reimbursed medical expenses as they occurred, including insurance premiums. In 2013, the ACA did away with the stand-alone HRA because the plans made it possible for an employee to pay out-of-pocket for expenses without purchasing health coverage either on their own or through an exchange.

The QSE-HRA differs from the stand-alone primarily in its ties to the ACA. The first link to the ACA is in the name of the QSE-HRA — it is available only to “qualified small employers” exempt from the ACA employer mandate (businesses with fewer than 50 full-time employees).   Another link is that employees must have coverage to participate in the plan, and if that employee is eligible to use a premium tax credit on an ACA exchange to buy insurance, the funds available in the QSE-HRA reduce that tax credit.

There are a few other rules intended to guarantee that everyone is treated fairly, particular circumstances to be aware of that can cause benefits to become taxable to an employee, and a handful of other matters that can leave an employer wondering just what he or she is getting into if they put a QSE-HRA in place for their employees.

The QSE-HRA Video

To help employers get the big picture on all of this as well as cover a few of the more important details, Core Documents has released an explainer video on the QSE-HRA. The QSE-HRA video is about four minutes long and was internally produced.

It features a friendly benefits administrator who clearly explains to her boss, a qualified small employer, the in’s and out’s of the new QSE-HRA which is (to his relief) basically the return of the stand-alone HRA he once had – and which his employees loved. By the end of her clear and concise tutorial, he’s ready to get his Plan Documents package and set up a QSE-HRA ASAP.

Founded in 1997, Core Documents is the country’s primary source for affordable Plan Documents required by the IRS and DOL for health benefit plans, including the Section 125 Premium Only Plan, Flexible Spending Accounts, Section 132 Health Savings Accounts, and all versions of the Health Reimbursement Arrangement, including one-person, deductible gap, and the new QSE-HRA.

Here is a link to the web page referenced in the video: The Stand-Alone HRA Returns.

Get Your QSE-HRA Plan Documents Today!

3D_0008_qseDon’t put off securing this important employee benefit. Core Documents offers its premium Plan documents for the QSE-HRA at just $199 (a savings of $100 compared to other HRA packages). If you need help with Plan administration, we offer that, too — just check the box on the order form.

For your convenience, we offer an online order form that thoroughly guides you through the ordering process. Just click the button below to get started.


Online ordering button -- QSEHRA plan documents

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Meet Core Documents

Core Documents, Inc. has been providing free consulting, affordable plan documents, and plan updates as needed for Section 125 Cafeteria Plans and Health Reimbursement Arrangements since 1997.

See more information about these fringe benefit plans at Core Documents’ website: http://www.coredocuments.com, or call toll free 1-888-755-3373.

Core Documents retains the services of several ERISA Benefit Attorneys for up to the minute commentary on issues affecting plan document language and administration.

All of our plan documents have been thoroughly reviewed by numerous CPAs and law firms who have found them to be clear, concise, compliant and cost effective.

Our Mission

Core Documents is committed to helping our clients and their employees reduce income tax liability with compliant Plan Documents and Summary Plan Descriptions that allow them to deduct insurance premiums, out-of-pocket medical expenses, dependent care expenses, and commuter and parking expenses before payroll taxes are calculated.

Our Clients

Our clients include small employer groups, PEOs, national payroll companies, certified public accountants, third-party administrators, agents, brokers, a network of hundreds of Flex Affiliate websites, and law firms.

Many PEOs, payroll companies, CPAs, accountants, and attorneys private label Core Documents’ plans to their clients through our Flex Affiliate program.

Our Market

We sell documents and annual document maintenance, as well as state-of-the-art web based administration services, and do-it-yourself Excel administration software. Our target market is the small employer, normally with less than 100 employees. We offer online ordering at our website as well as a fax order form (.pdf download).

Our Founder

The President of Core Documents, Gene C. Ennis, has held:

Gene C. Ennis, founder and president, Core Documents, Inc.

♦ Certification in Flexible Compensation, (CFC) by the Employers Council on Flexible Compensation;

♦ A 218 Life and Health Insurance license offering Section 125 plans since 1989;

♦Third Party Administrator’s (TPA) license administering ERISA self-funded health and welfare plans;

♦ Professional Employer Organization (PEO) license with co-employer responsibility for 500 work site employees; and,

♦ PEO Controlling Person’s license.