Grandfathering

Grandfathered status is available for health plans that were providing coverage as of March 23, 2010.  Making certain changes to benefit offerings, plan design, or employer contributions toward the cost of coverage will cause a plan to lose its grandfathered status.  Grandfathered plans do not have to comply with several plan design mandates imposed by Affordable Care Act.  A plan sponsor treating a plan as grandfathered must maintain certain documentation and include notice that the coverage is grandfathered in any plan materials provided to participants that describe the coverage.

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Neither American Fidelity Assurance Company nor American Fidelity Administrative Services provides tax or legal advice and, given the complexity of these laws, we always recommend working with your legal counsel on how the laws impact your specific situation. 

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