Infinity Partners Group

Infinity Partners Group Infinity Partners Group, Accurate, Responsive,Resourceful, above-and-beyond service is of utmost importance, serving our clients in Oregon and Washington.

Feeling grateful today — Thank you to our wonderful team at PacificSource for dropping off such a thoughtful holiday bas...
12/09/2025

Feeling grateful today — Thank you to our wonderful team at PacificSource for dropping off such a thoughtful holiday basket. We appreciate everything you do for us throughout the year. Wishing you joy, peace, and a great holiday season

07/30/2025

The One Big Beautiful Bill Act of 2025 permanently increased the Dependent Care FSA (DCAP) annual limit from $5,000 to $7,500 for tax years beginning after December 31, 2025 – a 50% increase that employers have long advocated for.

This is the first major enhancement to Dependent Care FSAs since their creation in 1986. It reflects a long-overdue recognition of the evolving realities of childcare costs and the growing need for more robust support for working families.

Remember flexible spending accounts (FSAs) and qualified health reimbursement arrangements (HRAs).Participants can stay ...
02/28/2025

Remember flexible spending accounts (FSAs) and qualified health reimbursement arrangements (HRAs).

Participants can stay healthy this spring and save by spending pretax dollars from their accounts to purchase eligible products such as allergy and cold medicine.

Eligible Ecpenses:

The FSA Store carries over 2,500+ guaranteed FSA-eligible products, health essentials, and more.

01/30/2025

Orders to amend the OR PFML Regulations

Oregon
December 27, 2024:

The Oregon Employment Department (OED) filed Permanent Administrative
Orders to amend the OR PFML Regulations effective January 1, 2025 (Batch 12). Pre-placement
leave became a new qualifying leave reason under the OR PFML program effective January 1, 2025,
pursuant to OR SB 1515 (2024). The amended rules add definitions and verification requirements for
pre-placement leave for foster/adoption and clarify that this leave must be taken on an intermittent
basis only. Pre-placement leave may be taken by a prospective foster or adoptive parent to attend
counseling sessions, appear in court, consult with an attorney, submit to a physical examination
or home study, or to travel to another state or country to complete an adoption. The amended
regulations also clarify the OED’s ability to share the claimant’s weekly benefit amount with the
employer when the claimant authorizes the OED to do so. The updated rules can be found on the
OED’s website.

01/16/2025

Action required: Pharmacy Reporting (RxDC)

Group health plans and health insurance issuers are now legally required to submit information on prescription drugs and health care spending to the Centers for Medicare and Medicaid Services (CMS). All employer groups must provide average monthly premium data each year by March 31, and your carrier will submit all required files annually by June 1st Learn more in the at cms.gov.

Dead line extended...
12/17/2024

Dead line extended...

08/28/2024

Quick Update about the OR PFML

July 30, 2024: The Oregon Employment Department (the Department) filed Permanent Administrative Orders to amend the Oregon Paid Family and Medical Leave (OR PFML) Regulations (Batch 11) about benefits, equivalent plans, assistance grants, and appeals effective on August 1, 2024. The OR PFML regulations include the following updates:

Benefits:
The rules have been updated to clarify the method for calculating workdays relative to work weeks, the disqualification of employees eligible for worker’s compensation time loss benefits from receiving benefits, and the documentation requirements for verifying each leave type. Additionally, the rules specify the process for recognizing representatives for incapacitated claimants who don’t have a designated representative, individuals who have a power of attorney granted by a claimant or are the court-appointed legal guardian or conservator for a claimant, the priority order of offsets, withholdings from or reductions to OR PFML benefits, and penalties for employer and claimant misrepresentations.


Equivalent plans:
The rules have been updated to clarify the anniversary date of equivalent plans with an original effective date of September 3, 2023, and the poster notice must be provided to all employees, regardless of their eligibility for benefits.

Assistance grants:
The term “temporary worker” will be use instead of “replacement
worker” to clarify the requirements for an individual to qualify as a
temporary worker for purposes of an assistance grant. The rules
have also been amended to outline the application requirements
for small employers seeking assistance grants.


Appeals:
The rules have been updated to clarify the final date to appeal a
department decision and the Department’s use of the contested
claim process outlined in Paid Leave Oregon’s program rules rather
than the model rules for contested cases.

The permanent administrative order adopting these rules can be found here.
https://www.oregon.gov/employ/Agency/Documents/2024/2024-07-30-Batch_11_SOS_Final_Filing_Receipt_20240730.pdf

Courtesy of Lincoln Financial

05/17/2024

2025 HSA Contribution Limit Increase

The IRS recently announced contribution limit increases for Health Savings Accounts (HSAs) for 2025. The 2025 HSA contribution limits will increase to $4,300 for self-only HSAs and to $8,550 for family HSAs. In addition, the 2025 high-deductible health plan (HDHP) minimum deductible amount was increased from $1,600 to $1,650 for self only coverage and from $3,200 to $3,300 for family coverage. For 2025, the HDHP maximum out of pocket amount increased from $8,050 to $8,300 for self only coverage and from $16,100 to $16,600 for family coverage.

04/30/2024

Compliance news
Family and medical leave

February 22: The Oregon Division of Child Support amended rules to clarify the withholding of child support from certain Oregon Paid Family and Medical Leave (OR PFML) benefits. The rules have been amended to clarify that child support obligations can be withheld from OR PFML benefits attributed to medical or family leave. Child support cannot be withheld from OR PFML safe leave benefits.
The rules have been further amended to clarify that even if the claimant has filed bankruptcy (Chapter 7, Chapter 11, Chapter 12, or Chapter 13), any notice of order to withhold child support from OR PFML benefits will remain in place. For more information, please visit the state’s website.
March 1: Oregon adopted new regulations amending the Oregon Family Leave Act (OFLA) to align with OR PFML.
The following definitions have been updated:
• Family member: Expanded to include a relationship through affinity; a relationship with a significant personal bond.
• Parent: Updated to include current or former foster parent.
• Domestic partner: Revised to specify that partners don’t need to be the same gender.
• Eligible employee: Clarified by adding the following:
– To determine the number of days an employee has worked, the employer must count the number of days an employee is maintained on the payroll, including all time paid or unpaid. If an employee continues to be employed by a successor in interest to the original employer, the number of days worked is counted as continuous employment by a single employer.
– To determine an employee’s average hours of work per week, the employer must count hours of protected leave taken, including OFLA leave, and actual hours worked, using guidelines set by the federal Fair Labor Standards Act.
• Serious health condition: Updated to remove female and add pregnancy termination and period of absence due to fertility or infertility treatment.
The regulations also included the following updates:
Changes to the relationship between OFLA and other laws
• When a covered employee takes leave under OFLA, which also qualifies for OR PFML, the benefits can run concurrently.
• An employee can choose to take accrued paid leave, such as sick or vacation time, concurrently.
• The denial of OR PFML isn’t a valid reason on its own to deny OFLA.
Leave year
• When a covered employer transitions OFLA entitlement tracking to rolling forward beginning on the Sunday immediately preceding the date on which family leave commences, all eligible employees of the covered employer must be provided with a new bank of OFLA leave entitlement at the beginning of the new leave year.
Designation of leave and notice
• An employer may not request medical certification if the leave reason is parental, bereavement, or sick child leave due to the closure of a child’s school or as a result of a public health emergency. However, additional information may be requested to determine that a requested leave qualifies under OFLA.
• A covered employer may provisionally designate an absence as OFLA leave until sufficient information is received to make a determination.
• If an employer receives notice that an employee has applied for OR PFML, that’s sufficient notice to provisionally designate an absence as OFLA.
• When an employee’s OR PFML leave also qualifies as OFLA, their OFLA leave may be reduced for the duration of their leave.
• If an employer has taken sick child leave on all or any part of three separate days during a leave year, the employer may only require medical verification from a healthcare provider on the fourth day or for subsequent use of sick child leave within that leave year. The opinion of the healthcare provider is binding, and the employer may not require employees to obtain a second opinion. The full text with all the changes can be found on the state’s website.
March 20: Oregon’s governor signed legislation (OR S 1514) requiring the director of the Oregon Employment Department to periodically assess the solvency of the Paid Family and Medical Leave Insurance Fund. If the fund is determined to be insolvent, the director may take the following actions to restore solvency:
• Decrease the maximum weekly benefit amount to no less than 100% of the state average weekly wage. The current maximum is 120% of the state average weekly wage.
• Adjust the weekly benefit amount to be the sum of:
– 65% of the state average weekly wage
– Not less than 40% of the employee’s average weekly wage that’s greater than 65% of the state average weekly wage (currently, 50% of the employee’s average weekly wage that’s greater than 65% of the state average weekly wage).
• If, after the above two actions are taken, the director determines the fund is or may be insolvent, the director may reduce the entitlement of OR PFML available from 12 weeks to 10 weeks. Notwithstanding a reduction in overall OR PFML entitlement for solvency concerns to 10 weeks, leave taken for parental bonding cannot be reduced and will remain at 12 weeks, whether taken individually or in combination with other family leave, medical leave, safe leave, or the additional two weeks available for pregnancy or childbirth complications.
Adjustments made cannot remain effective for more than five calendar years.
Oregon’s governor also signed legislation (OR SB 1515) updating OR PFML and the OFLA on March 20.
OFLA amendments
Changes to qualifying reasons (effective July 1)
The following qualifying leave reasons will be removed from the OFLA, as they’re covered under OR PFML, which also provides job protection:
• Bonding �
• Care of a family member with a serious health condition, except for sick child leave as explained below
• Own serious health condition, except for pregnancy disability leave, which doesn’t have to qualify as a serious health condition.
Concurrency with OR PFML (effective July 1)
If the employee’s qualifying leave reason under the OFLA also qualifies under OR PFML, the leaves cannot be taken concurrently. OFLA leave available is in addition to OR PFML. It would be the employee’s choice which type of leave they want to take.
Sick child leave:
Covers leave to care for a child of the employee who’s suffering from an illness, injury, or condition that requires home care or who requires home care due to the closure of the child’s school or childcare provider as a result of a public health emergency.
Update (effective July 1): Previously, sick child leave was reserved for situations where the child didn’t have a serious health condition. With these changes, if a child has an illness, injury, or condition that requires home care, regardless of whether it’s a serious health condition, the employee can take OFLA sick child leave.
If the child has a serious health condition, the leave would be covered under the OFLA or PFML. The employee will need to choose which program this leave falls under, as the OFLA or PFML can no longer be taken concurrently effective July 1.
If the child doesn’t have a serious health condition, the leave would only be covered under the OFLA.
Pregnancy disability leave:
In addition to the 12 weeks of family leave under the OFLA, an eligible employee may take a total of 12 weeks of leave within a one-year period for an illness, injury, or condition related to the eligible employee’s own pregnancy or childbirth that disables the eligible employee from performing available job duties offered by the covered employer.
No update: Although this leave type hasn’t changed, it’s worth noting that the employee could also qualify for OR PFML for the same leave reason. Again, effective July 1, the OFLA and OR PFML cannot run concurrently and it’s up to the employee which type of leave they want to take.
Bereavement leave:
Covers leave to deal with the death of a family member by: attending a funeral or alternative to a funeral for the family member; making arrangements necessitated by the death of the family member; or grieving the death of the family member.
Update (effective July 1): Previously, an eligible employee could take two weeks of bereavement leave for each family member within a one-year period, not to exceed the overall 12 weeks of family leave under the OFLA. This has been updated to an overall cap of four weeks of bereavement leave in a one-year period. Bereavement leave is part of and not in addition to the overall 12 weeks of family leave under the OFLA.
Foster or adoption legal proceedings leave (temporary [effective July 1, and will be repealed January 1, 2025])
A new type of OFLA leave will be temporarily added, which is in addition to the 12 weeks of family leave authorized under the OFLA. An eligible employee is entitled to a total of two weeks of leave to carry out and manage the legal process required for placement of a foster child or the adoption of a child
Multiple family members working for the same employer (effective July 1) Updates due to removal of several OFLA qualifying leave reasons include:
When two or more family members work for the same employer, they cannot take concurrent OFLA leave unless one employee is taking sick child leave and the other is taking pregnancy disability leave, or they’re both taking bereavement leave.
Notice of leave (effective July 1)
An eligible employee doesn’t have to give prior notice of the need for leave under the following circumstances:
• Sick child leave (unexpected illness injury or condition of a child of the employee that requires home care) – no change
• Bereavement leave – no change
• Pregnancy disability leave – new
Second or third medical opinion (effective July 1)
The option for employers to seek a second or third opinion from a healthcare provider has been removed from the statute.
OR PFML amendments
New qualifying leave reason (effective January 1, 2025)
Leave to manage the legal process required for placement of a foster child or the adoption of a child.
Employer-provided paid leave (effective July 1)
• An employee is entitled to use accrued sick leave, accrued vacation leave, or other paid leave offered by the employer in addition to receiving OR PFML benefits, as long as the total combined amount of accrued paid leave and OR PFML benefits doesn’t exceed 100% of the employee’s wages. Please note that currently, employers aren’t required to allow employees to use accrued sick leave, accrued vacation leave, or other paid leave concurrently with OR PFML; however, effective July 1, employees must be provided this option.
• An employer can still permit an employee to use accrued paid leave in addition to OR PFML benefits so that the total combined amounts received by the employee exceeds 100% of wages.
• The employer can determine the order in which accrued leave is used when more than one type of accrued leave is available to the employee. This is subject to any agreement between the employer and employee, such as a collective bargaining agreement, that may state otherwise.
Garnishment (effective July 1)
OR PFML benefits can only be garnished for:
• Child or spousal support
• Restitution for crime victims
Overall maximum entitlement between OR PFML and the OFLA (effective July 1)
Before these amendments, when OR PFML and OFLA would run concurrently, there was an overall maximum entitlement between the two programs of 16 weeks in a benefit year (18 if the two weeks for pregnancy or childbirth complications were taken under OR PFML). This overall maximum has been removed from the statute and will no longer be applicable as of July 1.
April 4: Oregon’s governor signed legislation (OR H 4010) impacting healthcare provisions, which included changing the title of physician assistants to physician associates.
The requirements for the physician assistant and associate are the same and titles are interchangeable.

Source: Lincoln Absence Advisor:Report

04/01/2024

We’re happy to share that Regence BlueCross BlueShield and Legacy Health have worked successfully to avoid Legacy leaving our network. This means members may continue to receive in-network care from Legacy.

We understand how concerning news about potential provider network disruptions can be. We thank you for your patience as we worked with Legacy to continue providing access to high-quality, cost-effective care for our members.

We will mail letters notifying affected members about this update right away.

Do you want to know what's going on with Regence and Legacy Health negotiations?You have no doubt heard of the tough neg...
03/15/2024

Do you want to know what's going on with Regence and Legacy Health negotiations?

You have no doubt heard of the tough negotiations between Regence and Legacy Health. As a not-for-profit health plan, Regence is the steward of our members’ healthcare dollars. When we are being asked for unprecedented increases in what it costs for care, it is our responsibility to stand up for our members to keep their healthcare costs in check. We need to make sure that our members have access to high quality care at an affordable price. Regence has been negotiating with Legacy in good faith, working to find a middle ground that will work for both parties. If an agreement is not reached by March 31st, 2024, Legacy Health in the Portland/Vancouver area will be out-of-network for Regence Medicare Advantage patients starting April 1st.

Legacy Health has released a communication on their website today, March 15th, that indicates Regence has walked away from negotiations. While this is not our perspective, I believe it is the right time for you to make sure that your members have a plan, should we not come to an agreement. We would like to remind you that we have a robust network in the Portland/Vancouver area which includes Primary Care and Specialty clinics that can serve your clients’ needs. Our value proposition has not changed! We are still committed to excellent service, quality care, and consistent coverage for your clients, and our local and national networks are among the best in the business. Here is a recent Regence blog post regarding the ongoing negotiations:

On March 8, 2024, Regence offered Legacy a market competitive contract that they have not yet accepted or rejected.

How many of you knew that Regence is a taxpaying nonprofit…Regence BlueCross BlueShield of Oregon paid $2.5 billion for ...
03/07/2024

How many of you knew that Regence is a taxpaying nonprofit…

Regence BlueCross BlueShield of Oregon paid $2.5 billion for member care in 2023

By Regence
March 01, 2024

PORTLAND, Ore. – Regence BlueCross BlueShield of Oregon paid $2.5 billion in medical care for its fully insured members in 2023, or $5,162 per member, according to unaudited figures filed today with the Oregon Division of Financial Regulation. Regence maintained its strong membership and ended 2023 serving more than 994,000 people, including self-funded and BlueCard® members.

On total revenue of $2.83 billion, Regence had net income of 4.8%, which is higher than the average annual net income over the past 10 years of 3.6% but represents less than 5 cents of every premium dollar received from members. 2023 performance was driven by strong member retention and a tax benefit related to prior years.

The company places net income in its capital reserves to ensure stable health care coverage so Regence can continue to pay member claims. As a taxpaying nonprofit, this critical safety net is Regence’s only source of funds for investments, cyber defense and paying higher than expected medical costs.

“Helping to deliver high-quality care and maintaining affordability for our members is our top priority,” said Michael Cole, president of Regence BlueCross BlueShield of Oregon. “As one of the state’s largest health insurers, our financial stability is critical to ensuring we can continue supporting the nearly 1 million Oregonians we serve.”

Regence paid approximately $69.1 million in federal and state income taxes and fees in 2023.

Community impact

Founded in 1941, Regence and its affiliated companies employ more than 3,500 people across Oregon, and the company is committed to investing in the communities it serves. Together with its corporate foundation and employees, Regence contributed $2.2 million to benefit Oregon nonprofit organizations, and employees donated more than 3,700 volunteer hours in 2023.

About Regence BlueCross BlueShield of Oregon
Regence BlueCross BlueShield of Oregon, headquartered in Portland, has been serving Oregonians since 1941 and now provides more than 994,000 people with comprehensive health insurance solutions. As a taxpaying nonprofit independent licensee of the Blue Cross and Blue Shield Association, Regence is part of a family of companies dedicated to transforming health care by delivering innovative products and services that change the way consumers nationwide experience health care. For more information, please visit regence.com, facebook.com/regencebluecrossblueshield, or twitter.com/regenceoregon.

https://news.regence.com/releases/regence-paid-2-5-billion-for-member-care-in-oregon-in-2023?ecid=r_prod_zz_dpm_e_am_nlt_zz_zz_0324

PORTLAND, Ore. – Regence BlueCross BlueShield of Oregon paid $2.5 billion in medical care for its fully insured members in 2023, or $5,162 per member, according to unaudited figures filed today with the Oregon Division of Financial Regulation.

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5885 SE Harmony Road
Portland, OR
97222

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