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X-Ell Employee Benefits, LLC |
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Employee Participation
Requirement |
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NJ Small Employer (2-50) Reform Law Summary |
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A minimum participation rate of 75% will apply to all eligible employees. Those enrolling in any of the employer's
sponsored group health plan will be counted toward the 75% participation
requirement as well as any employee opting to waive coverage because he/she
is covered by: his/her spouse’s group
(employer sponsored) coverage, another employer’s group health plan, or
Medicare. Those covered by private or
individual plans, other than Medicare, are not counted toward the 75% requirement. When an employee opts not to
enroll under a small employer's policy and does not qualify as a valid waiver
(as defined above), he/she is said to be "refusing" coverage.
Waivers count toward the 75% participation requirement. Refusals do not. Employees still in a new hire
waiting period are not considered toward participation. If the employer elects not to
cover independent contractors, this will not effect participation. Dependent participation is no
longer calculated and enrollment of dependents is considered optional. |
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1680 Route 23 North, Suite 310, Wayne, NJ 07470 |