Multi-State Compliance Challenges
- State insurance mandates (fully insured plans)
- State continuation coverage (mini-COBRA)
- State paid family and medical leave
- State anti-discrimination laws
- State wage payment and deduction laws
- State notice and disclosure requirements
- State workers' compensation requirements
Compliance Matrix
A compliance matrix maps applicable state laws to employee locations. For each state where you have employees, the matrix identifies: applicable state insurance mandates, mini-COBRA requirements, PFML requirements, and other state-specific compliance obligations. The matrix is updated annually as state laws change and as the employer's workforce locations change.
Self-Funding as a Simplification Strategy
IQ Insight
Self-funding is a powerful simplification strategy for multi-state employers. A self-funded employer with employees in 20 states is generally exempt from state insurance mandates in all 20 states — it only needs to comply with federal law. This simplification reduces compliance complexity, reduces the risk of state mandate violations, and provides more flexibility in plan design.