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Frequently Asked Questions
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What is the HC-6 form?
The HC-6 form, titled "Employer's Request for Premium Supplementation," is a document used by small employers in Hawaii to request health care premium supplementation under the Prepaid Health Care Act. This form is specifically designed for employers with fewer than eight regular employees who are entitled to health care coverage. By completing this form, employers can potentially receive financial assistance to help cover the cost of health care premiums for their eligible employees.
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Who is eligible to use the HC-6 form?
To qualify for premium supplementation, employers must meet several criteria:
- Employ less than eight employees who are entitled to Prepaid Health Care coverage.
- Have a health care plan approved under the relevant section of the Prepaid Health Care Act.
- Pay a share of the premium cost that exceeds 1.5% of total wages for eligible employees, and this excess must be greater than 5% of the employer's income before taxes.
- Note that the fund does not cover employees' shares of premiums, dependent coverage, or additional costs for more expensive plans.
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What documents must be submitted with the HC-6 form?
When submitting the HC-6 form, employers should include the following documents:
- Individual payroll records.
- A certified copy of the State of Hawaii income tax return for the business.
- A copy of the U.S. income tax return for the business.
- Quarterly payroll tax reports (Forms UC-B6 and 941).
- Form W-2, wage and tax statement.
- Monthly medical billing statements from the health care contractor.
- Any other documents relevant to the request for premium supplementation.
- Temporary disability insurance premium statements.
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How can I submit the HC-6 form?
Employers have two options for submitting the HC-6 form:
- By U.S. Mail: Send the completed form to the Department of Labor and Industrial Relations, Disability Compensation Division, P.O. Box 3769, Honolulu, Hawaii 96812-3769.
- In-Person: Deliver the form directly to the Disability Compensation Division at 830 Punchbowl Street, Princess Keelikolani Building, Room 209, Honolulu, Hawaii 96813.
Be sure to sign and date the form before submitting it to ensure your application is processed smoothly.
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Steps to Writing Hc 6
Filling out the HC-6 form is an important step for small employers seeking premium supplementation under Hawaii’s Prepaid Health Care Act. After completing the form, it needs to be submitted along with various supporting documents to the Department of Labor and Industrial Relations. Ensure all information is accurate to avoid delays in processing your request.
- Start by entering your Employer Name and Address in the designated fields.
- Provide your DOL Account Number and Federal I.D. No./Social Security No..
- Fill in the City, State, and Zip Code for your business.
- Next, enter the Health Care Contractor Name and Plan Name.
- Indicate the Total Number of Employees Eligible for PHC Coverage.
- Provide the Total annual wages paid to employees eligible for and covered under employer’s PHC plan.
- Calculate the total annual premium cost for providing single PHC coverage to eligible employees and enter this amount in A.
- Determine the employees’ share of the premium cost and enter it in B.
- Calculate the employer’s share of the premium cost by subtracting B from A and enter this in C.
- Calculate 1.5% of total wages paid to covered eligible employees and enter this amount in D.
- Find the difference between C and D, and enter this in E. If E is not a positive number, stop here as you are not entitled to premium supplementation.
- If applicable, calculate 5% of the employer’s adjusted income before taxes directly attributable to the business and enter this in F.
- Calculate the approximate amount of premium supplementation claimed by subtracting F from E and enter it in G.
- Fill in the period for which premium supplementation is covered, including the Month/Day and Year.
- Attach all required supporting documents as listed in the instructions.
- Sign and date the form at the bottom.
Once completed, submit the HC-6 form along with the required documents either by mail or in person to the Department of Labor and Industrial Relations. Make sure to keep copies of everything for your records. Following these steps carefully will help ensure your application is processed smoothly.
Misconceptions
Misconceptions about the HC-6 form can lead to confusion and missed opportunities for employers. Here are five common misunderstandings:
- Only large employers can apply for premium supplementation. Many believe that only businesses with a significant number of employees qualify. In reality, the HC-6 form is specifically for small employers with fewer than eight regular employees.
- All health care plans are eligible for premium supplementation. Not all plans qualify. Employers must ensure their health care plan is approved under Section 393-7(a) of the Prepaid Health Care Act to be eligible for supplementation.
- There is no deadline for submitting the HC-6 form. Some assume they can submit the form at any time. However, a claim must be filed within two years after the end of the employer’s taxable year.
- The fund supplements all premium costs. It’s a common belief that the fund covers all health care premiums. In fact, it only supplements the employer’s share of the premium cost for eligible employees, not the employees’ or dependents’ share.
- Submitting the HC-6 form is all that is required. Employers often think that completing the form is enough. They must also provide various supporting documents, including payroll records and tax returns, to complete the request.
Understanding these misconceptions can help small employers navigate the process more effectively and ensure they receive the support they are entitled to under the law.