June 30, 2016
FROM GOING GREEN TO  NEW BENEFITS - PHBP KEEPS GETTING BETTER!
In This Issue
SHAPING THE PLAN TO FIT OUR EMPLOYEES
New Disability Benefits from Metlife
PHBP IS GOING GREEN WITH PAPERLESS COMMUNICATIONS AND WATER BOTTLES FOR ALL!
PHBP is going GREEN with Paperless Communications!
Eco-Friendly S'well Water Bottles Are Coming Your Way
Essential PHBP Plan and Health Communications
Your 2016 Summary Plan Description
Essential PHBP Employer Communications
Special Rules in Your Participation Agreement about Loan-Out Companies
Are you classifying your workers as Employees or Independent Contractors correctly?
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Essential PHBP Employer Communications
 
Are you classifying your workers as Employees or Independent Contractors correctly?

PHBP is an employee welfare benefit plan under ERISA that only covers employees. Therefore, if you intend to provide health insurance to your workers through PHBP, they must pass the test for common law employees and you should report their income on a W2 form. Conversely, if you misclassify an individual as an independent contractor who is working in a PHBP covered category and that person is, under the applicable legal tests, an employee, contributions to PHBP may be due for work performed in that category. 

The U.S. Department of Labor (DOL) has requirements that employers should adhere to when it comes to classifying workers as employees or independent contractors. You can read more about it by clicking here. The IRS has also issued guidance on the subject relative to the tax code. You can read more about it by clicking here 

If you have questions about the status of a particular individual, you should consult with an appropriate, qualified professional, such as an attorney or tax expert. 

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Mailing Address:

Producers' Health Benefits Plan
c/o BeneSys
P.O. Box 2340
West Covina, CA 91793

Producers' Health Benefits Plan Office:

Executive Plan Administrator
Main Phone:
646-370-1431