Documents

Your ICHRA documents establish and communicate important terms of the benefit. Before launch, review the documents associated with your plan to confirm that key employer, plan, and workforce information is accurate and consistent.

Review your plan documents

Confirm that your ICHRA plan documents reflect the benefit structure your organization intends to offer.

Review key information such as the plan year, effective date, eligible employee populations, employee classes, and contribution structure.

If your organization has made changes to the intended plan design during implementation, make sure those changes are reflected in the final documents before launch.

Confirm employer and plan information

Review the employer information shown throughout the documentation.

This may include your organization name, plan name, plan year, effective date, contact information, and other administrative details used to identify the plan.

Small inconsistencies can create confusion later, so confirm that the same information is used consistently across related documents.

Review employee eligibility and class information

Confirm that the eligibility language in your documents matches the employee populations and classes configured for the ICHRA.

The documents should accurately reflect which employees are eligible under the plan and any class structure used to administer the benefit.

If employee classes or eligibility rules change before launch, review whether the affected documents also need to be updated.

Review contribution information

Confirm that the contribution or allowance structure reflected in the documents matches the amounts approved for the plan year.

Where different employee classes receive different allowance amounts, verify that the documented structure is consistent with the configuration used in administration.

For more information about contribution configuration, see Allowances.

Review employee notices

ICHRA employee notices communicate important information about the offer of coverage and may be subject to timing and content requirements.

Before launch, confirm that required notices are prepared using accurate employer, plan, eligibility, and allowance information.

Maintain current documents

Your documentation should continue to reflect the plan that is actually being administered.

If you make a material change to eligibility, class structure, contribution amounts, plan timing, or other plan terms, review whether corresponding documents should also be updated.

Do not rely on an operational change in Lirvion alone as a substitute for reviewing the underlying plan documentation.

Complete your document review

Before completing your document review, confirm that:

• The plan documents reflect the intended ICHRA design.

• Employer and plan information is accurate.

• The plan year and effective date are correct.

• Eligibility and employee class information is consistent with the plan setup.

• Allowance information matches the approved contribution structure.

• Required employee notices are being prepared with accurate information.

• Your team understands that future plan changes may require document review or updates.

Once these items are confirmed, your document review is complete.

Important: This article provides general administrative information about ICHRA and does not constitute legal, tax, or accounting advice.

Consult your legal, tax, benefits, or other qualified professional regarding document requirements applicable to your organization.