Pub. 1 2021 Issue 1

53 • Pre-enrollment education and individual benefit re- views for employees • Administration of flexible spending accounts, health savings accounts and Section 125 plans • Reviews to verify dependents Popular compliance topics include: • Wellness incentives: Encouraging healthy behaviors seems like an obvious win-win for employers and employees until you consider whether your workplace wellness programs comply with current federal law. AFAS can help you ask the right questions to evalu- ate any programs that encourage your employees to change behaviors and improve their health. That way, you won’t run into problems with, say, the ACA, the Americans With Disabilities Act (ADA) or the Genetic Information Nondiscriminatory Act (GINA). • Health Insurance Portability and Accountability Act of 1996 (HIPAA): Do you know your responsibilities are under HIPAA? American Fidelity’s administrative services professionals can help you identify potential privacy issues. Also, they can write a plan to deal with those issues correctly. • Family and Medical Leave Act (FMLA): The rules and procedures for the FMLA are challenging. Are you a covered employer? Do you know when an employee can take a protected leave? American Fidelity can help you decide on the appropriate policies and procedures you need for your dealership. Still not convinced? The following stories about customers are taken from the American Fidelity blog. • When Danny was 34, he was the first member of his family to be diagnosed with stage 2C colon cancer. His Limited Benefit Cancer Insurance from American Fidelity allowed him to focus on recovery instead of paying for treatment. What would he have done with- out the insurance? “I would probably have had to sell my car, sell my belongings, I don’t know,” he said. • Lisa’s first pregnancy was in 2019. Her water broke during her second trimester, and she had an ambulance ride that cost about $2,800, six weeks of bed rest in the hospital, and an additional six weeks for her daughter in the Neonatal Intensive Care Unit. She had disability insurance from American Fidelity that covered expenses her health insurance wouldn’t, such as her ambulance ride and $500 in parking tickets that Lisa incurred while visiting her daughter. The money was also useful for paying other necessary expenses while Lisa was unable to work. Filing claims was “crazy easy,” said Lisa. To read more stories, visit americanfidelity.com/blog/stories. Many dealerships thrive because the owners value their em- ployees. They know that they wouldn’t succeed without having high-quality employees to sell cars and provide financing and service to their customers. Companies like American Fidelity protect employees. The coming months are likely to be eventful, but the dealerships that work with American Fidelity will be better prepared for whatever happens next. ONE LAST THING ... Did you know that you can enjoy your association news anytime, anywhere? The new online article build outs allow you to: • Stay up to date with the latest association news • Share your favorite articles to social channels • Email articles to friends or collegues There is still flipping book for those of you that prefer swiping and downloadable PDF. Scan the QR code or visit: montana-auto-dealer.thenewslinkgroup.org Check it out!