<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
	xmlns:slash="http://purl.org/rss/1.0/modules/slash/"
	>

<channel>
	<title>FBMC Blog</title>
	<atom:link href="http://www.fbmc.com/blog/?feed=rss2" rel="self" type="application/rss+xml" />
	<link>http://www.fbmc.com/blog</link>
	<description></description>
	<lastBuildDate>Thu, 06 Jun 2013 12:31:23 +0000</lastBuildDate>
	<language>en-US</language>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.4.2</generator>
		<item>
		<title>FBMC Benefits Management Named as Finalist in 2013 American Business Awards</title>
		<link>http://www.fbmc.com/blog/?p=1679</link>
		<comments>http://www.fbmc.com/blog/?p=1679#comments</comments>
		<pubDate>Thu, 06 Jun 2013 12:31:23 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Press Releases]]></category>
		<category><![CDATA[FBMC]]></category>
		<category><![CDATA[Press Release]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1679</guid>
		<description><![CDATA[Tallahassee, Fla. – FBMC Benefits Management (FBMC) was named a finalist in the Best Marketing or Sales Brochure or Kit - Online/Electronic category for The 2013 American Business Awards, and will ultimately be a Gold, Silver or Bronze Stevie® Award winner in the program.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1679</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is Your Plan Self-funded?  Do you have an HRA or Medical FSA?  Don’t Forget PCOR Fees come due in July</title>
		<link>http://www.fbmc.com/blog/?p=1676</link>
		<comments>http://www.fbmc.com/blog/?p=1676#comments</comments>
		<pubDate>Wed, 05 Jun 2013 19:24:05 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Benefits Alerts]]></category>
		<category><![CDATA[Benefits Alert]]></category>
		<category><![CDATA[IRS Regulations]]></category>
		<category><![CDATA[Self-Funded Medical]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1676</guid>
		<description><![CDATA[The IRS has just posted the revised Form 720 that Employer with self-funded health plans, including HRAs and FSAs will use to report the fees.  Link to the new form and instructions: Click Here.

What is PCOR you ask?

Section 4375(a) of PPACA imposes a fee on applicable* self-funded health plans and health insurance policies for each policy year ending on or after October 1, 2012, and before October 1, 2019.<!--]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1676</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Final Rules for Wellness Programs</title>
		<link>http://www.fbmc.com/blog/?p=1671</link>
		<comments>http://www.fbmc.com/blog/?p=1671#comments</comments>
		<pubDate>Tue, 04 Jun 2013 12:03:02 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Benefits Alerts]]></category>
		<category><![CDATA[Benefits Alert]]></category>
		<category><![CDATA[PPACA]]></category>
		<category><![CDATA[Wellness]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1671</guid>
		<description><![CDATA[For many employers, FBMC included, wellness programs are considered smart business.  According to a Rand Corporation study of 600 businesses (50+ employees), Workplace Wellness is a $6 billion industry in the United States with 51% of mid-size to large companies offering some type of workplace wellness.  (Sharon Begley, Bloomberg &#124; May 29, 2013)]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1671</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Exchange Model Language</title>
		<link>http://www.fbmc.com/blog/?p=1665</link>
		<comments>http://www.fbmc.com/blog/?p=1665#comments</comments>
		<pubDate>Fri, 17 May 2013 17:50:54 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Benefits Alerts]]></category>
		<category><![CDATA[Benefits Alert]]></category>
		<category><![CDATA[Health Care Exchanges]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1665</guid>
		<description><![CDATA[The Department of Labor (DOL) released the model language we have been expecting for employers to notice employees about the Exchanges. This Alert focuses on the Model Notice for employers who offer a health plan to some or all employees: http://www.dol.gov/ebsa/pdf/FLSAwithplans.pdf.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1665</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>2013/14 HDHP and HSA Cost of Living Adjustments (COLAs)</title>
		<link>http://www.fbmc.com/blog/?p=1652</link>
		<comments>http://www.fbmc.com/blog/?p=1652#comments</comments>
		<pubDate>Mon, 06 May 2013 11:43:57 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Benefits Alerts]]></category>
		<category><![CDATA[Benefits Alert]]></category>
		<category><![CDATA[COLA's]]></category>
		<category><![CDATA[Health Savings Accounts]]></category>
		<category><![CDATA[High Deductible Health Plans]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1652</guid>
		<description><![CDATA[The IRS just released the cost of living adjustments for High Deductible Health Plans and Health Savings Accounts.  These adjustments are important even if you do not have a high deductible plan.  Beginning in 2014, a health plan’s out-of-pocket maximums for any given plan year cannot exceed the maximum permitted for the high-deductible health plan (HDHP) coverage for that year.  As highlighted below, the dollar limits on the out-of-pocket maximum under an HDHP for 2014 are $6,350 for self-only coverage and $12,700 for family coverage. ]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1652</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FBMC Quarterly Review &#8211; April 2013</title>
		<link>http://www.fbmc.com/blog/?p=1634</link>
		<comments>http://www.fbmc.com/blog/?p=1634#comments</comments>
		<pubDate>Wed, 01 May 2013 15:13:16 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[FBMC]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1634</guid>
		<description><![CDATA[Your 2014 Health Plan PPACA provides for two different Play or Pay penalties that may be assessed against a large employer beginning 1/1/2014. The first may generally be determined with a yes/no answer; the second is likely to be more challenging to determine and therefore to comply with; however to assist employers, the agencies have [...]]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1634</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Your 2014 Health Plan</title>
		<link>http://www.fbmc.com/blog/?p=1614</link>
		<comments>http://www.fbmc.com/blog/?p=1614#comments</comments>
		<pubDate>Wed, 01 May 2013 15:12:24 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1614</guid>
		<description><![CDATA[PPACA provides for two different Play or Pay penalties that may be assessed against a large employer beginning 1/1/2014.  The first may generally be determined with a yes/no answer; the second is likely to be more challenging to determine and therefore to comply with; however to assist employers, the agencies have created two calculators and are soon to publish design-based safe harbors.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1614</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FMLA Final Rule</title>
		<link>http://www.fbmc.com/blog/?p=1603</link>
		<comments>http://www.fbmc.com/blog/?p=1603#comments</comments>
		<pubDate>Wed, 01 May 2013 15:11:45 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[FMLA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1603</guid>
		<description><![CDATA[In February, the Department of Labor issued its Final Rule to Implement Statutory Amendments to the Family and Medical Leave Act (FMLA); the prior amendments expanded protections for military families and airline flight crews.  The Final Rule, effective 3/8/13, included modifications to the prior amendments that further expand employees’ leave rights thus it is important for you to familiarize yourself with the regulations.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1603</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Final Regulations on Essential Health Benefits</title>
		<link>http://www.fbmc.com/blog/?p=1598</link>
		<comments>http://www.fbmc.com/blog/?p=1598#comments</comments>
		<pubDate>Wed, 01 May 2013 15:10:54 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Essential Health Benefits]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1598</guid>
		<description><![CDATA[In February, HHS issued Final Regulations establishing the standards for coverage of essential health benefits (EHBs).  Small employers with non-grandfathered/fully-insured plans now have a blueprint for the core benefits and services that must be offered in 2014.  Large employers, employers with self-funded plans and grandfathered plans of any size are not subject to the EHB requirement; however the Final Regulations do address some requirements that apply and will affect them.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1598</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>PPACA – 2013 Compliance Checklist</title>
		<link>http://www.fbmc.com/blog/?p=1607</link>
		<comments>http://www.fbmc.com/blog/?p=1607#comments</comments>
		<pubDate>Wed, 01 May 2013 15:09:58 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[IRS Regulations]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1607</guid>
		<description><![CDATA[Keep our checklist handy to assure you are complying with 2013 requirements and proactively preparing for 2014.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1607</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>DOL Issues Self-Compliance Tool</title>
		<link>http://www.fbmc.com/blog/?p=1588</link>
		<comments>http://www.fbmc.com/blog/?p=1588#comments</comments>
		<pubDate>Wed, 01 May 2013 15:08:15 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Grandfathered Plans]]></category>
		<category><![CDATA[PPACA]]></category>
		<category><![CDATA[Summary of Benefit Coverages]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1588</guid>
		<description><![CDATA[Take a minute to review and answer the following questions. If you answer no or I don’t know, then the Department of Labor (DOL) has a new tool you should want to know more about.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1588</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>SHOP Exchanges Delayed</title>
		<link>http://www.fbmc.com/blog/?p=1585</link>
		<comments>http://www.fbmc.com/blog/?p=1585#comments</comments>
		<pubDate>Wed, 01 May 2013 15:07:33 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Health Care Exchanges]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1585</guid>
		<description><![CDATA[Most of you are likely aware that small employers in the 33 states where the federal government will be running the states’ Exchanges will be limited to a single plan for their employees if they choose to purchase through the Exchange.  States operating their own Exchanges have the option to also delay.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1585</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FBMC Quarterly Review &#8211; January 2013</title>
		<link>http://www.fbmc.com/blog/?p=1568</link>
		<comments>http://www.fbmc.com/blog/?p=1568#comments</comments>
		<pubDate>Thu, 31 Jan 2013 16:24:13 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1568</guid>
		<description><![CDATA[From the Desk of the Editor In December I took my two granddaughters on their first trip to Washington D.C. Congress was recessed and the President and family were in Hawaii for the holiday. No talk of “fiscal cliff” did we hear – the only “controversy” of the trip was the construction of bleachers on [...]]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1568</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>From the Desk of the Editor</title>
		<link>http://www.fbmc.com/blog/?p=1536</link>
		<comments>http://www.fbmc.com/blog/?p=1536#comments</comments>
		<pubDate>Thu, 31 Jan 2013 16:23:00 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1536</guid>
		<description><![CDATA[In December I took my two granddaughters on their first trip to Washington D.C. Congress was recessed and the President and family were in Hawaii for the holiday.  No talk of “fiscal cliff” did we hear – the only “controversy” of the trip was the construction of bleachers on Pennsylvania Avenue that interfered with our photos!  However, witnessing the pre-inauguration activities and our Democracy in action was pretty inspiring and a trip the girls will never forget.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1536</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>PPACA – Are You in Compliance?</title>
		<link>http://www.fbmc.com/blog/?p=1519</link>
		<comments>http://www.fbmc.com/blog/?p=1519#comments</comments>
		<pubDate>Thu, 31 Jan 2013 16:22:40 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Full-Time Employment]]></category>
		<category><![CDATA[IRS Regulations]]></category>
		<category><![CDATA[Medical FSA]]></category>
		<category><![CDATA[PPACA]]></category>
		<category><![CDATA[Summary of Benefit Coverages]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1519</guid>
		<description><![CDATA[Go through our two checklists to make sure you have all reform-related activities for 2012 completed and that you know what is required of you for 2013.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1519</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Exchange Progress What Can Employers and Consumers Expect from States?</title>
		<link>http://www.fbmc.com/blog/?p=1529</link>
		<comments>http://www.fbmc.com/blog/?p=1529#comments</comments>
		<pubDate>Thu, 31 Jan 2013 16:22:21 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Health Insurance Exchange]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1529</guid>
		<description><![CDATA[Open enrollment begins in October 2013 and employers must begin providing employees with information about their state’s exchange beginning in late summer or fall. Since the need to establish an exchange was a matter of political debate and was just decided conclusively in November, this may have fallen off your radar screen. We have been monitoring states’ progress through www.healthcare.gov and below is an overview of what we know to date. ]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1529</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Florida’s 2013 Legislative Session:  PPACA will be Front and Center</title>
		<link>http://www.fbmc.com/blog/?p=1539</link>
		<comments>http://www.fbmc.com/blog/?p=1539#comments</comments>
		<pubDate>Thu, 31 Jan 2013 16:21:57 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Health Care Exchanges]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1539</guid>
		<description><![CDATA[Florida’s 2013 Legislative Session begins March 5th and ends May 3rd. Of the many issues the Legislature will deal with this upcoming session, the Patient Protection and Affordable Care Act (PPACA) is a lightening-rod for the state that will stir emotions and have an impact on all Floridians.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1539</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>PPACA and A Reluctant Accountant</title>
		<link>http://www.fbmc.com/blog/?p=1547</link>
		<comments>http://www.fbmc.com/blog/?p=1547#comments</comments>
		<pubDate>Thu, 31 Jan 2013 16:21:34 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[IRS Regulations]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1547</guid>
		<description><![CDATA[Does this sound like you?  I heard about the Patient Protection and Affordable Care Act (PPACA) way before it was signed into law in 2010.  Working for FBMC makes any new or significant change to fringe benefits or the insurance industry note worthy, but this was huge (thousands of pages) and complex and the bailiwick of our compliance folks; I decided I would not move PPACA to the top of my reading list just yet.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1547</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>2013 COST Of Living Adjustments (COLAs)</title>
		<link>http://www.fbmc.com/blog/?p=1514</link>
		<comments>http://www.fbmc.com/blog/?p=1514#comments</comments>
		<pubDate>Thu, 31 Jan 2013 16:21:17 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[COLA's]]></category>
		<category><![CDATA[Commuter Benefits]]></category>
		<category><![CDATA[Health Savings Accounts]]></category>
		<category><![CDATA[Retirement Plan]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1514</guid>
		<description><![CDATA[Matt Coniglio &#38; Trish Neely, CFCI]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1514</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FMLA Leave and Disabled Adult Children</title>
		<link>http://www.fbmc.com/blog/?p=1552</link>
		<comments>http://www.fbmc.com/blog/?p=1552#comments</comments>
		<pubDate>Thu, 31 Jan 2013 16:20:58 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[FMLA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1552</guid>
		<description><![CDATA[On January 14, 2013, the Department of Labor (DOL) issued Administrator’s Interpretation No: 2013-1 that clarifies that the age of a son or daughter at the onset of a disability is not relevant in determining a parent’s entitlement to leave under the Family Medical Leave Act (FMLA).]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1552</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HIPAA Omnibus Rule Released</title>
		<link>http://www.fbmc.com/blog/?p=1557</link>
		<comments>http://www.fbmc.com/blog/?p=1557#comments</comments>
		<pubDate>Thu, 31 Jan 2013 16:20:41 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[HIPAA]]></category>
		<category><![CDATA[PHI Security Breach]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1557</guid>
		<description><![CDATA[Mark your calendars for September 23, 2013.  This is the date that covered entities and business associates must comply with most provisions of the new Rule which becomes effective March 26, 2013.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1557</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Parity Returns for QTB Transit</title>
		<link>http://www.fbmc.com/blog/?p=1500</link>
		<comments>http://www.fbmc.com/blog/?p=1500#comments</comments>
		<pubDate>Thu, 31 Jan 2013 16:20:23 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Commuter Benefits]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1500</guid>
		<description><![CDATA[The fiscal cliff deal signed by President Obama on January 2nd restored parity to Commuter, Transit and Qualified Parking expense reimbursements. The provision is retroactive to Jan. 1, 2012, meaning that employers may reimburse employees on a tax-free basis for expenses exceeding $125 per month that were incurred January 1, 2012 through December 31, 2012, up to the new limit of $240.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1500</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New Guidance on Implementing PPACA</title>
		<link>http://www.fbmc.com/blog/?p=1496</link>
		<comments>http://www.fbmc.com/blog/?p=1496#comments</comments>
		<pubDate>Thu, 31 Jan 2013 16:20:00 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Health Reimbursement Arrangement]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1496</guid>
		<description><![CDATA[On January 24, 2013 the agencies issued a new round of guidance in the form of frequently asked questions (FAQs). Some welcome news for employers was the first order of business. The deadline for sending employees notices about the State Exchanges has been delayed again, from March to late summer. More guidance on format will be forthcoming. Highlights follow below; a link to the full text is included.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1496</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Michelle Robleto Appointed Chief Operating Officer</title>
		<link>http://www.fbmc.com/blog/?p=1489</link>
		<comments>http://www.fbmc.com/blog/?p=1489#comments</comments>
		<pubDate>Thu, 20 Dec 2012 20:21:56 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Press Releases]]></category>
		<category><![CDATA[FBMC]]></category>
		<category><![CDATA[News]]></category>
		<category><![CDATA[Press Release]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1489</guid>
		<description><![CDATA[TALLAHASSEE, FL — FBMC Benefits Management, Inc. (FBMC) is pleased to announce that Michelle Robleto has been appointed as its Chief Operating Officer.  In this role, Ms. Robleto will provide executive leadership and support to the Client Services, Benefits Administration, and Information Technology divisions.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1489</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Quarterly Review &#8212; October 2012</title>
		<link>http://www.fbmc.com/blog/?p=1471</link>
		<comments>http://www.fbmc.com/blog/?p=1471#comments</comments>
		<pubDate>Tue, 23 Oct 2012 18:46:26 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1471</guid>
		<description><![CDATA[“30 Hours/Week is considered Full-Time Employment? My Company Owes a 2014 Assessment of How Much?” Most employers know by now that beginning in 2014 applicable large employers must sponsor and offer full-time EEs and dependents minimum essential medical coverage at an affordable rate or else pay an assessment. What you may not know is that [...]]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1471</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>“30 Hours/Week is considered Full-Time Employment? My Company Owes a 2014 Assessment of How Much?”</title>
		<link>http://www.fbmc.com/blog/?p=1427</link>
		<comments>http://www.fbmc.com/blog/?p=1427#comments</comments>
		<pubDate>Tue, 23 Oct 2012 18:46:02 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Full-Time Employment]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1427</guid>
		<description><![CDATA[Most employers know by now that beginning in 2014 applicable large employers must sponsor and offer full-time EEs and dependents minimum essential medical coverage at an affordable rate or else pay an assessment. What you may not know is that if your plan excludes those whom you have historically classified as benefit ineligible because they work, for example, less than 35 hours per week, you may be slapped with the assessment for failure to offer coverage to full-time employees and dependents as required under health care reform.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1427</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>2013 COST Of Living Adjustments (COLAs)</title>
		<link>http://www.fbmc.com/blog/?p=1414</link>
		<comments>http://www.fbmc.com/blog/?p=1414#comments</comments>
		<pubDate>Tue, 23 Oct 2012 18:45:35 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[COLA's]]></category>
		<category><![CDATA[Health Savings Accounts]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1414</guid>
		<description><![CDATA[To date we have HSA/HDHP adjustments, and the AARP recently released an estimated increase of 1.8 percent for Social Security Recipients for 2013 compared to a 3.6 percent increase in 2012. It is a bit early for retirement vehicles and qualified transportation benefits – expect those toward the end of the year.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1414</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Will Parity Return for Qualified Transportation Benefits in 2013?</title>
		<link>http://www.fbmc.com/blog/?p=1418</link>
		<comments>http://www.fbmc.com/blog/?p=1418#comments</comments>
		<pubDate>Tue, 23 Oct 2012 18:45:09 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Commuter Benefits]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1418</guid>
		<description><![CDATA[From February 2009 until the end of 2011, ARRA (American Economic Recovery and Reinvestment Act) had increased the exclusion amount for commuter transit benefits to be on par with parking benefits.

This year ECFC and its members have worked diligently at the federal level to bring parity back.
]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1418</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Non-Discrimination Testing Post 2007 Proposed Cafe Regs</title>
		<link>http://www.fbmc.com/blog/?p=1465</link>
		<comments>http://www.fbmc.com/blog/?p=1465#comments</comments>
		<pubDate>Tue, 23 Oct 2012 18:44:33 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[125 Cafe Plans]]></category>
		<category><![CDATA[Non-Discrimination Testing]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1465</guid>
		<description><![CDATA[It’s been 5 Years and 2 months – is 2013 the year the IRS makes the rules final? And if they do, are you ready for the new non-discrimination testing (NDT) requirements? In addition to 1) adding some teeth to the tests with the prospect of agency audits and 2) clarifying that the final results to keep on file must be as of the last day of the plan year, the new proposed regulations have also modified some of the tests themselves.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1465</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>First PCOR Fees Due July, 2013</title>
		<link>http://www.fbmc.com/blog/?p=1449</link>
		<comments>http://www.fbmc.com/blog/?p=1449#comments</comments>
		<pubDate>Tue, 23 Oct 2012 18:44:09 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Health Reimbursement Arrangement]]></category>
		<category><![CDATA[PPACA]]></category>
		<category><![CDATA[Self-Funded Medical]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1449</guid>
		<description><![CDATA[Employers with self-funded health plans, including HRAs please take note: Section 4375(a) of PPACA imposes a fee on applicable* self-funded health plans and health insurance policies for each policy year ending on or after October 1, 2012, and before October 1, 2019. If your health plans are fully insured, the fee is paid by the issuer of each health plan policy.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1449</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>HSA Contributions must be Reported</title>
		<link>http://www.fbmc.com/blog/?p=1462</link>
		<comments>http://www.fbmc.com/blog/?p=1462#comments</comments>
		<pubDate>Tue, 23 Oct 2012 18:43:44 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Health Savings Accounts]]></category>
		<category><![CDATA[IRS Regulations]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1462</guid>
		<description><![CDATA[If your plan includes a Health Savings Account (HSA), this is a reminder of the obligation for participants to report contributions, distributions, and potential penalties. ]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1462</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>$2500 MFSA Cap: Employers and Employees Continue to Ask Questions</title>
		<link>http://www.fbmc.com/blog/?p=1468</link>
		<comments>http://www.fbmc.com/blog/?p=1468#comments</comments>
		<pubDate>Tue, 23 Oct 2012 18:43:18 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Medical FSA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1468</guid>
		<description><![CDATA[Q1. When is the effective date?

A. With the start of the first plan year after 12/31/2012.

Q2. Is the cap applied to the amount contributed by both the employee and employer?

A. The cap applies only to an employee’s salary reduction contributions; it does not apply to any employer contribution.
]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1468</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FBMC Promotes Monica Digon to Vice President of Sales and Marketing</title>
		<link>http://www.fbmc.com/blog/?p=1410</link>
		<comments>http://www.fbmc.com/blog/?p=1410#comments</comments>
		<pubDate>Tue, 16 Oct 2012 12:22:34 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Press Releases]]></category>
		<category><![CDATA[FBMC]]></category>
		<category><![CDATA[Press Release]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1410</guid>
		<description><![CDATA[Tallahassee, Florida -- FBMC Benefits Management, Inc. is pleased to announce the promotion of Monica Digon to Vice-President of Sales and Marketing. Monica will be responsible for the strategic oversight of Sales and Marketing, including sales, brokerage of core and voluntary products, communications, and corporate branding.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1410</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FBMC Founder, Chairman of the Board Sheridan earns Servant Leadership Award</title>
		<link>http://www.fbmc.com/blog/?p=1407</link>
		<comments>http://www.fbmc.com/blog/?p=1407#comments</comments>
		<pubDate>Tue, 02 Oct 2012 11:33:34 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Press Releases]]></category>
		<category><![CDATA[Community Service]]></category>
		<category><![CDATA[FBMC]]></category>
		<category><![CDATA[Press Release]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1407</guid>
		<description><![CDATA[Tallahassee, Fla. – Mike Sheridan, who founded FBMC Benefits Management in 1976 and built it into one of the largest employee benefits brokers in the country, has received the Servant Leadership Award from Leadership Tallahassee.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1407</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>$2500 MFSA Cap: Important Information Plan Sponsors Need to Know About Amending Plans</title>
		<link>http://www.fbmc.com/blog/?p=1398</link>
		<comments>http://www.fbmc.com/blog/?p=1398#comments</comments>
		<pubDate>Thu, 27 Sep 2012 09:59:27 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Benefits Alerts]]></category>
		<category><![CDATA[Benefits Alert]]></category>
		<category><![CDATA[Dependent Care FSA]]></category>
		<category><![CDATA[IRS Regulations]]></category>
		<category><![CDATA[Medical FSA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1398</guid>
		<description><![CDATA[Benefits Alert 2012-05

Several clients have requested amendments to their current Medical FSA plan documents and summaries for their corresponding SPDs. We recommend you delay until the first quarter of 2013.

Why do we recommend a delay?

First. We reported to you in BA 2012-03 that the Treasury Department and the IRS were considering whether the use-or-lose rule for health FSAs should be modified. They invited comments from tax payers and more than 1,000 letters were received by the 8/14/12 deadline. As we suspected, the majority were in favor of a rollover of unspent contributions and elimination of use-it-lose-it. ]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1398</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FBMC Wins Top State Award for Animated Video</title>
		<link>http://www.fbmc.com/blog/?p=1393</link>
		<comments>http://www.fbmc.com/blog/?p=1393#comments</comments>
		<pubDate>Fri, 17 Aug 2012 12:48:59 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Press Releases]]></category>
		<category><![CDATA[FBMC]]></category>
		<category><![CDATA[Learning Center]]></category>
		<category><![CDATA[Press Release]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1393</guid>
		<description><![CDATA[TALLAHASSEE, Fla. – FBMC Benefits Management, Inc. (FBMC), was honored at the Florida Public Relations Association (FPRA) annual awards dinner on August 8 in St. Augustine, Florida. The FPRA is the oldest public relations association in the United States. It is a statewide organization of more than 1,200 public relations professionals dedicated to advancing the profession of public relations and enhancing the professional development of its members.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1393</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Quarterly Review- July 2012</title>
		<link>http://www.fbmc.com/blog/?p=1351</link>
		<comments>http://www.fbmc.com/blog/?p=1351#comments</comments>
		<pubDate>Thu, 12 Jul 2012 20:45:41 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Grandfathered Plans]]></category>
		<category><![CDATA[Health Care Exchanges]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[Medical FSA]]></category>
		<category><![CDATA[PPACA]]></category>
		<category><![CDATA[Summer Shorts]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1351</guid>
		<description><![CDATA[Summer Shorts Outlook for Tax Favored Accounts: What is their future post-Supreme Court Ruling? Use it or Lose it: Is it time for this rule to go? spacer With Reform, Size Matters When it comes to the Affordable Care Act, size does matter; unfortunately for employers it’s not as simple as one size fits all. [...]]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1351</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Summer Shorts</title>
		<link>http://www.fbmc.com/blog/?p=1264</link>
		<comments>http://www.fbmc.com/blog/?p=1264#comments</comments>
		<pubDate>Thu, 12 Jul 2012 20:39:21 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Health Savings Accounts]]></category>
		<category><![CDATA[IRS Regulations]]></category>
		<category><![CDATA[Medical FSA]]></category>
		<category><![CDATA[PPACA]]></category>
		<category><![CDATA[Summer Shorts]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1264</guid>
		<description><![CDATA[Outlook for TFAs Trish Neely, CFCI Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs) and Medical Flexible Spending Arrangements (MFSAs) are individual account-based health plans; HRAs and HSAs are also linked to health plans.  What is their future post-Supreme Court Ruling? First what we know:  PPACA’s requirement that MFSA employee contributions be capped to $2,500 [...]]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1264</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>With Reform, Size Matters</title>
		<link>http://www.fbmc.com/blog/?p=1276</link>
		<comments>http://www.fbmc.com/blog/?p=1276#comments</comments>
		<pubDate>Thu, 12 Jul 2012 20:39:07 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1276</guid>
		<description><![CDATA[Trish Neely, CFCI When it comes to the Affordable Care Act, size does matter; unfortunately for employers it’s not as simple as one size fits all.  Depending upon the provision, you may be small if you have less than 200 employees, less than 100, less than 50, less than 49, less than 25, or less [...]]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1276</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>PPACA: It’s Constitutional . . . Time to Refocus</title>
		<link>http://www.fbmc.com/blog/?p=1282</link>
		<comments>http://www.fbmc.com/blog/?p=1282#comments</comments>
		<pubDate>Thu, 12 Jul 2012 20:38:39 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Health Care Exchanges]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1282</guid>
		<description><![CDATA[If, as an employer, you took time out from implementation awaiting the Supreme Court ruling, it is time to resume compliance activities due this year and begin preparing for requirements coming due in 2013.  August, September, January and March all include milestone dates that must be met by most employers.  Are you ready? Effective August [...]]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1282</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Health Care Reform for You, Me &amp; Our Families</title>
		<link>http://www.fbmc.com/blog/?p=1292</link>
		<comments>http://www.fbmc.com/blog/?p=1292#comments</comments>
		<pubDate>Thu, 12 Jul 2012 20:38:19 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Grandfathered Plans]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[Health Savings Accounts]]></category>
		<category><![CDATA[Medical FSA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1292</guid>
		<description><![CDATA[The Supreme Court ruled that health care reform legislation passed in 2010 is Constitutional.  The legislation applies to major medical health plans regardless if you receive your benefits at the workplace or purchase directly with an insurer for yourself and/or your family. Putting aside the continued controversy and vows of repeal or change, it is [...]]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1292</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>New FMLA Guide for Employees:</title>
		<link>http://www.fbmc.com/blog/?p=1306</link>
		<comments>http://www.fbmc.com/blog/?p=1306#comments</comments>
		<pubDate>Thu, 12 Jul 2012 20:38:02 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[FMLA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1306</guid>
		<description><![CDATA[The Department of Labor (DOL) through its Wage and Hour Division (WHD) recently issued a new FMLA Guide for Employees.  FMLA (Family Medical Leave Act) provides unpaid, job-protected leave.  FBMC’s Monique Akanbi, HR Specialist speaks frankly with the author and provides her perspective on FMLAs advantages to employees and challenges for employers. Trish (TN):  Monique, [...]]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1306</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>QR Wins i-COMM</title>
		<link>http://www.fbmc.com/blog/?p=1315</link>
		<comments>http://www.fbmc.com/blog/?p=1315#comments</comments>
		<pubDate>Thu, 12 Jul 2012 20:37:38 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1315</guid>
		<description><![CDATA[FBMC’s Quarterly Review newsletter has been awarded Employee Benefits News’ (EBN) i-COMM Best Print or Online Employee Newsletter award in 2012. For the past 22 years, the Quarterly Review has educated clients, friends and employees about industry news and trends or regulatory changes made by government agencies.  The Quarterly Review also won an honor from [...]]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1315</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FBMC’s Quarterly Review wins prestigious award</title>
		<link>http://www.fbmc.com/blog/?p=1255</link>
		<comments>http://www.fbmc.com/blog/?p=1255#comments</comments>
		<pubDate>Fri, 06 Jul 2012 12:00:18 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Press Releases]]></category>
		<category><![CDATA[FBMC]]></category>
		<category><![CDATA[Press Release]]></category>
		<category><![CDATA[Quarterly Review]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1255</guid>
		<description><![CDATA[FBMC Benefits Management, Inc., has been awarded Employee Benefits News’ (EBN) i-COMM Best Print or Online Employee Newsletter award in 2012.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1255</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>PPACA: Safe or in Jeopardy?  It is Safe!</title>
		<link>http://www.fbmc.com/blog/?p=1246</link>
		<comments>http://www.fbmc.com/blog/?p=1246#comments</comments>
		<pubDate>Thu, 28 Jun 2012 18:05:16 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Benefits Alerts]]></category>
		<category><![CDATA[Benefits Alert]]></category>
		<category><![CDATA[PPACA]]></category>
		<category><![CDATA[Summary of Benefit Coverages]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1246</guid>
		<description><![CDATA[Chief Justice Roberts read the verdict at approximately 10AM this morning. Healthcare Reform, including the individual mandate is constitutional and the law stands. Surprisingly the Chief Justice sided with the liberal justices. In the 5-4 decision authored by the Chief Justice, the Court found that the individual mandate provisions of PPACA are constitution as a tax. “Our precedent demonstrates that Congress had the power to impose the exaction in Section 5000A under the taxing power, and that Section 5000A need not be read to do more than impose a tax. This is sufficient to sustain it.”]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1246</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>IRS Issues Guidance on the $2500 MFSA Cap</title>
		<link>http://www.fbmc.com/blog/?p=1234</link>
		<comments>http://www.fbmc.com/blog/?p=1234#comments</comments>
		<pubDate>Thu, 31 May 2012 20:12:49 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Benefits Alerts]]></category>
		<category><![CDATA[Benefits Alert]]></category>
		<category><![CDATA[Dependent Care FSA]]></category>
		<category><![CDATA[IRS Regulations]]></category>
		<category><![CDATA[Medical FSA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1234</guid>
		<description><![CDATA[Benefits Alert 2012-03 Trish Neely, CFCI The Agency just issued Notice 2012-40 to help answer some of the outstanding questions related to the cap. We have carefully reviewed the guidance; our interpretation follows in Q/A format. Q1. Is there any new guidance on the effective date? A. The Agency has opined that the reference to [...]]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1234</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>2012/2013 COLAs</title>
		<link>http://www.fbmc.com/blog/?p=1228</link>
		<comments>http://www.fbmc.com/blog/?p=1228#comments</comments>
		<pubDate>Thu, 10 May 2012 14:50:38 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Benefits Alerts]]></category>
		<category><![CDATA[Benefits Alert]]></category>
		<category><![CDATA[COLA's]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1228</guid>
		<description><![CDATA[The IRS just released Revenue Procedure 2012-26 providing for the 2013 inflation adjusted deduction limitations for annual contributions made to a Health Savings Account (HSA) under IRC Section 223. We have amended the Cost of Living Adjustment chart below to include the new HSA amounts.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1228</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>FBMC Benefits Management Wins FPRA Award for Animated Video</title>
		<link>http://www.fbmc.com/blog/?p=1223</link>
		<comments>http://www.fbmc.com/blog/?p=1223#comments</comments>
		<pubDate>Mon, 07 May 2012 13:50:25 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Press Releases]]></category>
		<category><![CDATA[FBMC]]></category>
		<category><![CDATA[Learning Center]]></category>
		<category><![CDATA[Press Release]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1223</guid>
		<description><![CDATA[TALLAHASSEE, Fla. – FBMC Benefits Management, Inc. (FBMC), was honored at the Florida Public Relations Association (FPRA) annual awards luncheon on April 19 in Tallahassee, Florida. The FPRA is the oldest public relations association in the United States. It is a statewide organization of more than 1,200 public relations professionals dedicated to advancing the profession of public relations and enhancing the professional development of its members.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1223</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Quarterly Review &#8212; April 2012</title>
		<link>http://www.fbmc.com/blog/?p=1213</link>
		<comments>http://www.fbmc.com/blog/?p=1213#comments</comments>
		<pubDate>Fri, 27 Apr 2012 13:57:04 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[FBMC]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1213</guid>
		<description><![CDATA[FBMC’s highly regarded and award-winning client newsletter, The Quarterly Review, represents our interpretation of regulatory activity occurring during the previous quarter as well as upcoming events that could alter your benefit plans.]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1213</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>From the Desk of the Editor &#8211; PPACA: Safe or in Jeopardy?</title>
		<link>http://www.fbmc.com/blog/?p=1201</link>
		<comments>http://www.fbmc.com/blog/?p=1201#comments</comments>
		<pubDate>Fri, 27 Apr 2012 13:56:43 +0000</pubDate>
		<dc:creator>wscarboro</dc:creator>
				<category><![CDATA[Quarterly Review]]></category>
		<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://www.fbmc.com/blog/?p=1201</guid>
		<description><![CDATA[Want to know who won the health care reform arguments before the Supreme Court?

Despite the tendency to want to tick off wins and losses, according to constitutional attorneys we have listened to it is difficult to determine the position any Justice will take based on questioning from the bench, or predict the outcome by the eloquence (or lack of) of an attorneys delivery of an argument.
]]></description>
		<wfw:commentRss>http://www.fbmc.com/blog/?feed=rss2&#038;p=1201</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
	</channel>
</rss>
