News & Events

Friday, January 24th

January 2020 Newsletter

Happy 2020! This month we are sharing some great learning events that are coming up and plenty of information to refresh your insurance knowledge to ensure that you start the year off right!


Friday, December 20th

December 2019 Newsletter

Our last newsletter of 2019 has some great information on legislative changes coming about in the new year and what you can do to be prepared. We will continue to provide updates on these and many other topics in 2020. We hope you enjoy this season with your friends and family. Happy Holidays!


Tuesday, December 10th

IRS Extends Deadline for Furnishing Form 1095-C, Extends Good-Faith Transition Relief

The Internal Revenue Service (IRS) has released Notice 2019-63, which extends the deadline for furnishing 2019 Forms 1095-B and 1095-C to individuals from January 31, 2020 to March 2, 2020. The Notice also provides penalty relief for good-faith reporting errors and suspends the requirement to issue Form 1095-B to individuals, under certain conditions. 

The due date for filing the forms with the IRS was not extended and remains February 28, 2020 (March 31, 2020 if filed electronically).
The draft instructions to Forms 1094-C and 1095-C allow employers to request a 30-day extension to furnish statements to individuals by sending a letter to the IRS with certain information, including the reason for delay. However, because the Notice’s extension of time to furnish the forms is as generous as the 30-day extension contained in the instructions, the IRS will not formally respond to requests for an extension of time to furnish 2019 Forms 1095-B or 1095-C to individuals. 

Employers may still obtain an automatic 30-day extension for filing with the IRS by filing Form 8809 on or before the forms’ due date. An additional 30-day extension is available under certain hardship conditions. The Notice encourages employers who cannot meet the extended due dates to furnish and file as soon as possible and advises that the IRS will take such furnishing and filing into consideration when determining whether to abate penalties for reasonable cause. 

Relief from Furnishing Form 1095-B to Individuals
Due to the individual mandate penalty being reduced to zero starting in 2019, an individual does not need the information on Form 1095-B in order to complete his or her federal tax return. Therefore, the IRS is granting penalty relief for employers who fail to furnish a Form 1095-B to individuals, provided that the reporting entity:

  1. Posts a notice prominently on its website stating that individuals may receive a copy of their 2019 1095-B upon request, accompanied by an email address, phone number and a physical address the request can be sent; and
  2. Furnishes an individual with a Form 1095-B within 30 days of a request.

Note that Applicable Large Employers (ALEs) are still required to furnish Form 1095-C to their full-time employees. They must also complete Part III if the employee is enrolled in self-insured coverage. The relief from furnishing Form 1095-B does not extend to IRS reporting. Forms 1095-B must still be submitted to the IRS, as applicable. In general, this relief from furnishing Form 1095-B applies to insurers, and non-ALEs that sponsor self-insured plans, as they complete Form 1095-B for covered participants.

Extension of Good-Faith Relief
As with calendar year 2015 – 2018 reporting, the IRS will not impose penalties on employers that can show that they made good-faith efforts to comply with the requirements for calendar year 2019. In determining good faith, the IRS will consider whether employers have made reasonable attempts to comply with the requirements (e.g., gathering and transmitting the necessary data to an agent or testing its ability to transmit information) and the steps that have been taken to prepare for next year’s reporting.
Note that the relief applies only to furnishing and filing incorrect or incomplete information, and not to a failure to timely furnish or file. However, if an employer is late filing a return, it may be possible to get penalty abatement for failures that are due to reasonable cause and not willful neglect. In general, to establish reasonable cause the employer must demonstrate that it acted in a responsible manner and that the failure was due to significant mitigating factors or events beyond its control. The IRS has been enforcing late filing penalties via Letter 972CG, which may include penalties based on failed to file electronically (when required), or failure to file with correct TIN information.

As in past years, individuals can file their personal income tax return without having to attach the relevant Form 1095. Taxpayers should keep these forms in their personal records, even though the federal individual mandate penalty is not applicable for the 2019 filing year.

If you have questions or would like more information, please contact Morris & Garritano Director of Compliance and HR Keith Dunlop for further information.

About the Author. This alert was prepared for Morris & Garritano by Stacy Barrow. Mr. Barrow is a nationally recognized expert on the Affordable Care Act. His firm, Marathas Barrow Weatherhead Lent LLP, is a premier employee benefits, executive compensation and employment law firm. 
This email is a service to our clients and friends. It is designed only to give general information on the developments actually covered. It is not intended to be a comprehensive summary of recent developments in the law, treat exhaustively the subjects covered, provide legal advice, or render a legal opinion.
Benefit Advisors Network and its members are not attorneys and are not responsible for any legal advice. To fully understand how this or any legal or compliance information affects your unique situation, you should check with a qualified attorney. © Copyright 2019 Benefit Advisors Network. All rights reserved.

Monday, November 25th

Featured Video: Primary Care, Urgent Care, and the ER

When you need to see a doctor now but don’t want to spend more than necessary, it’s smart to know your options and have a clear understanding of which type of medical service is best for your health as well as your pocket book.

Watch our short video: Primary Care, Urgent Care, and ER to get a clear picture of your options. It’s also a good idea to keep the phone numbers and addresses of your primary care provider, nearby in-network urgent care
facilities, and hospitals handy.


This video is also available in Spanish, Atención Primaria, Atención de Urgencias, Salas de Emergencias.

For more educational videos on employee benefits and healthcare, check out our full Benefits Video Library, in both English and Spanish.



Friday, November 22nd

November 2019 Newsletter

Just in time for the holiday season, the November newsletter is here! Check out the beard-growing progress of our No-Shave November participants, learn some legislative updates that might affect your business, and watch a video to help you determine if that trip to the ER is really necessary.


Monday, November 4th

3rd Annual No-Shave November!

The men of M&G are on a mission to grow cancer awareness and raise money for the Angel of Hope Fund, part of the Hearst Cancer Resource Center, but we need your help to make the month a success!

https://www.supportfrenchhospital.org/donate-now-angel-of-h…
(Be sure to list the event name “Morris & Garritano No-Shave November” in the comments box.)

The start of No-Shave November

No Shave November is a month-long journey in which participants forgo shaving to raise cancer awareness by embracing their hair, which many cancer patients lose.

We will document the beard-growing progress of our M&G gentlemen throughout the month and provide updates along the way.

Thank you for your donations, your support, and your help to share this with your friends, family, and coworkers.


Wednesday, October 30th

Featured Video: Are You and HMO or PPO Person?

When it comes to choosing the right type of medical plan for you and your family’s  needs, acronyms like HMO and PPO can make it seem obscure and complicated. 

Our short and to the point decision making video will clear up any confusion you may have and help you quickly identify which type of plan is best for you and your family.

This video is also available in Spanish, ¿Es major para usted un HMO o un PPO?

For more educational videos on employee benefits and healthcare, check out our full Benefits Video Library, in both English and Spanish.


Monday, October 28th

October 2019 Newsletter

Happy almost Halloween! What better way to celebrate the holiday than with the treat of of our M&G|exposure Newsletter? Features include updates to the Sexual Harassment Prevention Training deadline, an educational video to help determine if you are An HMO or PPO Person, and a special call-to-action for our upcoming No-Shave November Fundraiser.


Monday, September 30th

Featured Video: Key Benefits Terms Explained

Key Benefits Terms Explained

Premiums? Deductibles? Copays? All these different terms and components to medical plans are confusing. So, what does it all mean and why do you need to know?

Insurance jargon can make you feel like you’re sitting in the back seat of a taxi in a foreign country. How do you know if you’re being taken on a wild, roundabout, and expensive ride when what you really want is the shortest, most cost-effective path to good health and well-being? Today’s medical insurance market offers a maze of options to meet our society’s demand for choice and customization and with that comes differences in the price you pay for each component of your plan. If you understand how each of the different components works and how the components interact over the course of the calendar year, you will be able to quickly decide which of the options available has the right combination of convenience, quality of care, and affordability for you and your family.

In other words, understanding a few basic concepts is all you need to determine how much you will pay each step of the way. Getting clarity on the basic structure of medical plans allows you to easily compare the options and evaluated them based on your personal priorities and preferences. With this basic knowledge you can turn the medical insurance maze into a straight forward decision-making tool that empowers you to confidently compare plans and choose the best option available for you and your family.  

Put yourself in the driver’s seat by watching our quick educational video, Key Benefits Terms Explained.This video is also available in Spanish, Términos Clave de Seguro Médico Explicados.

For more educational videos on employee benefits and healthcare, check out our full Benefits Video Library


Thursday, September 26th

September 2019 Newsletter

Important updates, educational videos, and a few couple of awards sprinkled in just for fun. September was a good month!