Tony Novak profile picture
  "AskTony" column archive        


Most Popular

AskTony Archive

This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

New questions

Submit consumer finance questions at and health insurance questions at

Sponsored by: Insurance Exchange - your source of valuable information on state and federal health reform benefits.

Core Health Insurance - America's favorite mini-med insurance  with affordable premiums, freedom to choose providers, optional PPO discounts and guaranteed eligibility regardless of medical conditions.

Please support the Web sites that make publication of AskTony services possible.

Small business compliance with PPA

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If in doubt, please send a new question or ask for an update.

Q: What do I have to do to bring my small company health plan and 401(k) into compliance with the Pension Protection Act of 2006?

A: More information is published in a new article at . Essentially the task boils down to getting an authorization from each employee for electronic communications and then sending a separate e-mail for each area addressed in the new new law to each eligible employee before December 1, 2006. Note that most of the new requirements apply only to retirement plans, the e-mail permission is the only one that also includes health plans. Freedom Benefits will handle these tasks as part of the regular benefit plan service but the operational details are still being worked out on these new legal issues.


More resources:

article: "Required Employee Communications Under PPA"