michael capaldo
employee benefits

New - Exchange Notices Due Oct.1
New - HIPAA HITECH Deadline is Sept. 23

benefit from our expertise 

IRS Guidance on Mandate Delay
IRS Q&A on Employer Shared

employee benefit consulting            

Dept of Labor EBSA Health Care
Reform Page  
about us
Dept of Labor ERISA Plan Audit Letter

Employee benefits have long been viewed as highly effective tools for promoting higher levels of employee retention, job satisfaction, productivity and profitability.

The sweeping changes brought on by health care reform will make this even more the case in the coming months.

When employee benefit plans are properly designed and implemented, they can help control compensation costs as well.

Over the past seven years we've built a record of designing and  implementing



Summary Plan Descriptions
Affordability Safe Harbors
2013 Poverty Income Guidelines  
health care
reform - impact
and readiness
EBSA May 8 Guidance on Notice to Employees
"If you're concerned about health care reform and its effect on your organization, we can help you understand how you'll be affected,  what your options are  and what you need to be doing right now ."
Download Minimum Value Calculator from
CCIIO  (for large groups; 2-20-13 version)
plan analysis, design and
Download Actuarial Value (Metal Level)
Calculator from CCIIO  (for small groups; 2-25-13 version)
You may learn more about  what we've accomplished for our clients with our consulting and how we may be of assistance to you by clicking on the "knowledge" link  and the consultation links to the left. 

solutions that accomplish those goals, saving our clients money while providing a richer benefit package for their employees. 

We also provide consultative services  on preparedness for health care reform, plan design, compliance and operations.




and operations
Employer Shared Responsibility
(Federal Register)
contact us
IRS May 3 Guidance on Minimum Value
A Close Look at Employer Responsibility & Variable Hour & Seasonal Employees
Courtesy of NAHU
read our blog
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Who Will Be Eligible for Subsidies in the Exchange?
IRS FAQ's on ACA Tax Provisions
Copyright 2013 Michael P. Capaldo All Rights Reserved
DOL Employer's Guide to COBRA
CCIIO Regulations & Guidance