26: Happy Holidays. Our offices will be closed.
2: Happy New Year! Our offices will be closed.
Did You Know . . .
. . We can manage your HIRD Form process? Are you complying with your
> After Open Enrollment
> New hires who turn
> Employees who drop coverage
Our process is designed to distribute, track and store Employee HIRD
Forms so that you don't have to.
. . You can streamline your commuter program and add revenue?
> Quick Implementation
> All Major Metro Areas Covered
> Fully Automated
For more information about any of our services, please contact Jean
Sicurella via email or call 617-630-0496.
Get A Team Roster
We use a client-centered
team approach to best meet your needs. For your team roster, please email
Holiday Giving At Crosby
Helping Families This Holiday
During this holiday season, the employees at Crosby
are participating in several community service and gift giving
opportunities within the local community.
Crosby is currently
conducting a toiletry drive for Community Servings.
Community Servings not only provides meals for housebound
individuals, but also gift baskets to those in need of toiletry and
cleaning items as over 85% of Community Servings clients live at or
below the poverty line, and much of their limited income is needed to
cover healthcare and prescription costs. Thus, there is little left
for basic necessities such as toiletries, cleaning products and
clothing. Crosby is happy to be helping those in need of these items.
Through the Center for Families
at Children's Hospital Boston Crosby has also adopted a
family. As part of this "adoption," Crosby will provide one
age-appropriate gift per family member (such as clothing and/or
We will also visit and provide gift cards to the
Center for Families, given to families in need so they can purchase
necessary items for their families this holiday season. Gift cards
allow families to choose just what they want or need such as food,
household, and clothing items.
We are excited to help those in need during this
holiday season and beyond and look forward to more charitable
opportunities in the future.
Be Discontinued As Of January 1, 2012
non-commencement letters are not required under COBRA guidelines,
Crosby has mailed them at the close of the COBRA election period to
Qualified Beneficiaries. The purpose of these letters is to inform
Qualified Beneficiaries that coverage in the COBRA Continuation Plan
will not commence because no enrollment form was received. Unfortunately,
a high percentage of these letters are returned to Crosby as
undeliverable since many Qualified Beneficiaries change their address
after they terminate employment. As a result, the benefit of these
letters is not realized.
Due to the rising costs of mailing and managing these undeliverable
letters, effective January 1, 2012, Crosby will no longer mail these
letters at the end of the COBRA election period. If you would like
Crosby to continue to mail letters to those who do not elect coverage
under your COBRA plan, please contact your Crosby consultant in
writing by December 31, 2011.
MyCrosbyBenefits.com Login Page Coming
Client and Participant Feedback Continues To Improve
We are pleased to announce the rollout
of our new MyCrosbyBenefits.com login page design. The enhanced
features, based on client and participant feedback, are intended to
improve functionality and usability. The updated login page will be
launched during the first quarter, 2012 - likely in January. Features
► Easier Navigation
► New User Sign Up - a
dedicated area for our new users
► Improved Forgot Password
and Forgot Username functionality
► Dedicated Area for
Here is a sneak peek of the new design:
Please continue to help promote Crosby's Go Green!
initiative for Reimbursement Account holders, offering
E-Communications and Direct Deposit. Enrollees will benefit by
receiving many communications via email and of course, faster claim
payments. Participants may sign up via MyCrosbyBenefits.com.
Pre-Tax Adjustments For Commuter Benefits
Transit Cap Reduced to $125, Parking Increased to $240
The IRS recently
announced the 2012 pre-tax limit cost of living increases. The
pre-tax limit for the transit benefit will be $125/month and the
parking benefit will be $240/month.
As part of the 2010 American Reinvestment and Recovery Act (ARRA),
language was included that temporarily established an equal fringe
benefit amount of $230/month each for both parking and transit. The
provision was extended for 2011 but is set to expire at the end of
this calendar year. Unless action is taken by Congress the new
pre-tax amounts will take effect. The pre-tax limit changes will be
implemented for either the January or February benefit months,
depending on the employer.
Crosby will take steps to make all necessary changes as they relate
to our ordering platform and claims processes and we will keep you
informed of any new developments as they occur.
The Debit Card
Receipts Are/Aren't Required And Other Helpful Hints
The Flex Debit Card is a convenient enhancement to any Medical
Flexible Spending Account (FSA). As is typical for this time of year,
Crosby sees a significant increase in Debit Card usage. Using the
card enables cardholders to pay providers directly from their FSA.
We'd like to remind you that participants may be asked to submit
supporting documentation for some FSA purchases.
Supporting documentation may be required for:
► Co-payments (if participant is not enrolled
in employer's medical plan)
► Dental and Vision expenses
► Other non-confirmable transactions
In general, participants are
not required to submit supporting
► Recurring expenses (the amount charged and merchant information must
match the exact dollar amount and merchant information for each
► Co-payments (if enrolled in employer's medical plan)
► IIAS retailers
Debit Card Hints:
* IIAS Retailers are one of the best places to
use the Flex Debit Card (e.g. CVS, Walgreens, Stop and Shop) because
these merchants have FSA Eligible items coded as eligible. Anytime an
FSA Eligible product is purchased, transactions will be automatically
approved and receipts will not need to be submitted.
* Purchases at Non-IIAS Pharmacies (e.g. an in-hospital pharmacy): If
more than one prescription is purchased but the copay amounts are
different, cardholders may request that their card is swiped separately,
once for each prescription. This way, each prescription (of a various
employer plan copay amount) will be automatically approved in our
* Cardholders should leave the Dentist or Optician with a detailed
receipt (or itemized billing statement). Credit card receipts are not
sufficient. Most Dental and Vision transactions will require that
cardholders provide supporting documentation to have transactions
approved. Click here
to see what information is required on supporting documentation.
* Explanation of Benefits (EOBs) are the best form of substantiation
for medical and dental transactions.
Reminder: As part of the National Health Care Reform Law, beginning in
2013, an annual limit of $2,500 will be enforced for Medical FSA
deductions. This limit will be indexed to the Consumer Price Index
starting in 2014.