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CMS' RDS Center will perform system maintenance on the RDS Secure Website on Friday, September 12, 2025, beginning at 9:00PM ET and concluding Saturday, September 13, 2025, at 10:00AM ET. The SWS will be available during this time with the following limitations until after system maintenance concludes: Retiree Files uploaded during this time will not appear on the SWS; Weekly Notification Files and Retiree Response Files will not be available for download; and Covered Retiree Lists requested during this time will not be available to view or download. Thank you for your patience.

Avoiding an Overpayment at Reconciliation

Have you been in an overpayment situation at Reconciliation for multiple plan years? While some overpayments cannot be avoided, there are a number of common circumstances for which reviewing data carefully throughout the application plan year can help prevent an unnecessary overpayment at Reconciliation.

CMS' RDS Center has identified the following reasons as the most common circumstances causing a Plan Sponsor to be in an overpayment situation at the completion of Reconciliation:

  • Doubling Costs
  • Reduction in Retirees
  • Overstating Gross Retiree Costs
  • Underestimating Cost Adjustments
  • Underreporting Threshold Reduction and Limit Reduction

For explanations and examples of these errors, refer to Avoid an Overpayment at Reconciliation in the RDS User Guide.