Louisiana Administrative Code Title 32 - EMPLOYEE BENEFITS
Here’s a detailed overview of Louisiana Administrative Code Title 32 – Employee Benefits:
📚 Structure of Title 32
Title 32 is organized into several major Parts that govern state employee benefits:
🔹 Part I – General Provisions
Chapters 1–17, covering:
Organizational structure of the Office of Group Benefits (OGB) (e.g., § 101)
Eligibility requirements, enrollment procedures (§ I-301)
Uniform provisions on OGB participation (Chapter 3)
Contributions, managed care contracting criteria (§ I‑903), premium adjustments (§ I‑1103) (doa.la.gov, law.cornell.edu, law.cornell.edu)
🔹 Part III – Primary Plan of Benefits
Chapter 1 focuses on the primary plan (e.g., “Magnolia Local Plus”), detailing benefits, out-of-pocket maximums, prescriptions copay structures (doa.la.gov)
🔹 Part V – Additional Plans and Operations
Chapters 1–5 cover supplementary benefit options (e.g., alternative plan structures, further coinsurance and copayment policies)
🔹 Part VII – Public Employee Deferred Compensation
Subpart 1 & 2 outline administration of the IRC §457 deferred compensation plan:
Definitions, eligibility, investment choices, distribution rules, death and tax provisions (Chapters 1, 5, 17, 101 etc.) (doa.la.gov)
✅ Key Highlights
Office of Group Benefits (OGB)
Administered by the Division of Administration under R.S. 42:801–802
§ I‑301 outlines eligibility: employees in various state retirement systems qualify only when their agency participates (law.cornell.edu)
§ I‑903 sets contracting standards for managed care providers (law.cornell.edu)
§ I‑1103 prohibits premium credits after reconciling two invoices post-termination (regulations.justia.com)
Benefit Plans Under Part III & V
Magnolia Local Plus plan: defined copay, deductible, and out-of-pocket limits
Pharmacy tiers: Generics at 50% up to $30; preferred/non-preferred etc. (doa.la.gov)
Additional chapters detail coinsurance levels, specialist and facility charges based on plan type (regulations.justia.com)
Deferred Compensation (IRC §457)
Defines participant categories and plan structure (employers, compensation limits)
Investment options include annuities, insurance policies
Distribution rules govern loans, death benefits, taxes (minimum payments thresholds) (doa.la.gov)
🔍 Why It Matters
This Title codifies the benefits framework available to state employees and retirees, including health, life, pharmacy, and deferred compensation plans. These regulations are updated regularly (latest through December 2024 / March 2025) .
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