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The Document Checkup
A concise, written analysis of key provisions in the employer’s SPDs, Wrap Document, Cafeteria Plan, stop-loss policy (if applicable), certificates of coverage, employee handbook, and enrollment materials. The Document Checkup is designed as a cost-effective solution for identifying potential coverage gaps and conflicts in eligibility, termination of coverage, leave of absence and other essential provisions. The review may be ordered as an a la carte “compliance checkup” or combined with the preparation of a Wrap Plan to allow for additional cross-checks and customizations.
The following areas are analyzed:
- Plan names/numbers
- Effective dates
- Currency and general compliance status of documents
- Eligibility provisions
- Paid and unpaid leave provisions
- Termination of coverage provisions
- Potential coverage gaps
- Other common problem areas
The documents reviewed include the following:
- All of the current certificates of coverage
- Enrollment materials/plan summaries
- Employee Handbook
- Wrap and Cafeteria Plan Documents/SPDs
- Stop-Loss policy (for partially self-funded groups)
