Legal and Compliance Alerts


ACA, DOL Legal and Compliance Updates

StormChaser: Non-Profit PFL Exempt Employees

Posted on Posted in Paid Family Leave
Non-profits may have some additional paperwork to complete if they want to cover teachers, executives, and professionals under NYS DBL and Paid Family Leave. Non-profits should first make the determination if they are or are not a religious, charitable, or educational organization. The definition of a religious, charitable or educational organization can be found below. If the determination is yes, action steps may be needed.
In discussions with the Worker’s Compensation Board (WCB) and the Plans Acceptance Unit (PAU) the following is clarification on the actions needed by a non-profit if electing to voluntarily cover teachers, executives, and professionals. Links to forms DB-136 and DB-135 are provided below.

Cadillac Tax Relief

Posted on Posted in Alerts, Health and Welfare Compliance

Cadillac Tax Relief

Relph Benefit Advisors is a member of the IRS’s Employee Council on Flexible Compensation (ECFC) and Lisa Allen, our VP of Regulatory Affairs sits on their compliance committee which provides constructive observations regarding current or proposed IRS policies, programs, and procedures, and proposes improvements:

Recently ECFC added their endorsement to a letter to Congress, along with 36 other prominent trade groups requesting that Congress grant relief from the impending 40 percent “Cadillac” tax on employer-sponsored health coverage before the end of this year.

The letter stresses the importance of quick action by pointing out the following:

  • Many employers plan for and determine benefits up to two years in advance. 
  • These employers are already restructuring their health care benefit offerings to avoid the future tax. 
  • If the Cadillac tax is not repealed, many employers will be forced to make additional benefit modifications. 
  • Employees will be hurt by higher copays and deductibles and lower Health Savings Account contributions.


I encourage you to take the time to send this letter to your congressional representatives. The Cadillac Tax was a flawed provision from the beginning and will only create further hardship for your employees in the form of higher out of pocket costs as employers will understandably avoid paying these taxes in whatever ways are needed.

Bob Relph, President
Relph Benefit Advisors

You can download the letter here and follow the steps below to send to your members of Congress.

  1. Visit the website 
  2. Enter your zip code
  3. Click on your representative’s name to be directed to their contact information/website

If you should have any questions, please do not hesitate to reach out to your Senior Benefit Consultant or myself directly at 1-800-836-0026 x230 or 585-415-0448 or email at


Breaking News! The Paid Family Leave rate has been released!

Posted on Posted in Alerts, Health and Welfare Compliance

Breaking News! 
The anticipation is over, the Paid Family Leave rate has been released!

On June 1st, the Department of Financial Services released that the rate shall be Community Rated.

“As provided by Insurance Law 4235(n)(1), The Superintendent of the Department of Financial Services (“DFS”), in consultation with the Chair of the Workers’ Compensation Board, has determined that paid family leave benefits coverage issued pursuant to Article 9 of the Worker’s Compensation Law (“Family Leave Benefits”) shall be community rated. Community rating ensures that all employers are similarly treated and are not subject to cost variations based upon age, gender, geographic location, or any other demographic factor.”


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