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With ZaneHealth, you have the flexibility to offer varying allowance amounts structured on Employee Classes. By defining contribution amounts based on bona-fide job criteria, employers can use the ZaneHealth plan to create employee classes that offer benefits tailored to your company's objectives, while complying with federal non-discrimination laws.

Federal regulations state that "a plan or issuer may treat participants as two or more distinct groups of similarly situated individuals if the distinction between or among the groups of participants is based on a bona fide employment-based classification consistent with the employer's usual business practices." (See 29 CFR §2590.702)

To comply with these regulations, ZaneHealth classes must:

  • Be based on bona-fide business differences. These may include job categories, geographic location, part-time or full-time status, etc.

  • Treat all "similarly situated" employees equally. By creating classes based on genuine job categories, all employees within a class will be "similarly situated."

  • Not discriminate against unhealthy people. An employer cannot provide inferior benefits to specific individuals with adverse health conditions.

  • Spell out the requirements for classes and benefits in the ERISA plan document.

  • Not favor highly compensated individuals (HCIs).