Ask most anyone in the benefits industry to recall a pivotal career moment, and many point to a memorable claim experience.

With the passage of the 21st Century Cures Act, the nations small employers have a clearly compliant way to reimburse employees who get their own individual policy tax-free.

The IRS may not be prepared to handle employer-related ACA issues quickly, an advocate says. And potential problems await ACA exchange plan premium tax credit subsidy users.

If your employees enrolled in ACA coverage and were awarded a subsidy, it will trigger a notification and potential IRS fine for your organization. To be prepared, here are 4 steps in the subsidy appeal process.