Health Care Reform

90-Day Waiting Period

Handling Employees in a Waiting Period When the 2014 Plan Year Begins

The Affordable Care Act’s (ACA) 90-day waiting period limit rule begins with the group plan renewal in 2014.  The limit means 90 actual calendar days, not three months. Many plans currently have a “first of the month after 90 days” waiting period rule, but are changing their 2014 plans to have a “first of the month after 60 days” rule to comply with the ACA. Some plans impose longer waiting periods, such as six months.  These plans will need to change their waiting periods to be no longer than 90 calendar days.

Read more: 90-Day Waiting Period Limit

We have worked hand in hand with Creative Benefits, Inc. for over seven years.   As our broker, they have done an outstanding job of shopping for the best benefit coverage to suit our needs.  Their team is top notch and we have yet to encounter a problem they haven’t been able to resolve in a timely manner.

Our Senior Account Manager goes above and beyond our expectations in communication, and taking our concerns to the highest level possible in order to get them resolved.  She has followed through thoroughly and efficiently in any situation that has needed her attention.  She gives that “personal touch” by contacting you directly when she feels it’s needed.  We have peace of mind knowing we are in good hands with Creative Benefits, Inc.

Human Resource Manager
Warehousing, Transportation & Distribution Services