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Benefit BLOG

Benefits @ Work

  • Play or Pay Penalty Notices Are Coming
    The Internal Revenue Service (IRS) has started the process of levying penalties on employers under the Affordable Care Act (ACA) employer shared responsibility provision. Often called the employer mandate or play or pay, the ACA provides for the IRS…
    - 29 Nov 17, 10:45am -
  • Deferred Action for Childhood Arrivals (DACA) Changes
    Question: With the recent Executive Order rescinding DACA, do we need to do anything different for our employees who are enrolled in the program? Answer: Given the recent news headlines around immigration, a lot of employers may wonder which change…
    - 19 Sep 17, 2:59pm -
  • Breaking News: Costly Overtime Rule Struck Down
    September 1st, 2017   On August 31, 2017, Federal District Court Judge Amos Mazzant overturned the Fair Labor Standards Act (FLSA) Final Overtime Rule that would have doubled the annual salary level to qualify for exemption from overtime from $23,…
    - 1 Sep 17, 2:23pm -
  • When to Say Goodbye to Your Benefits Broker
    For many businesses, the process of choosing and administering a health insurance benefits program is a daunting one. They often turn to benefits brokers to help them select and implement plans. Traditional benefits brokers offer assistance in choosi…
    - 1 Sep 17, 10:39am -
  • What are CSR Payment Plans?

    What are CSR Payment Plans?

    There is quite a bit of talk these days about how uncertainty around CSR Payments could cripple the individual health insurance market (see article). This brings up a good question – What are CSR Payment Plans? Cost Sharing Reduction (CSR) A discou…
    - 25 Aug 17, 9:17am -
  • The New Summary of Benefits and Coverage (SBC)

    The New Summary of Benefits and Coverage (SBC)

    As open enrollment season approaches, employers and their advisors are getting ready to use the new Summary of Benefits and Coverage (SBC) format required under federal rules. The basic rules have been in place for several years, but 2017 is the firs…
    - 22 Aug 17, 11:43am -
  • Level Premium Self Funding
    Here is a quick video explanation for a concept that is gaining in popularity. Take a look and let us know if you have any questions:
    - 15 Aug 17, 2:27pm -
  • What are pay-per-use Health Insurance plans?
    As health care costs continue to rise, level funding and self-funding are becoming a more and more attractive option for smaller companies. Technically speaking Benefit Administration Group uses level funded health insurance and insurance captives…
    - 18 Jul 17, 12:40pm -
  • Human Resources Q & A of the Day
    Question: We’ve hired a new employee and have agreed to reimburse their COBRA premium until they become eligible for our insurance. They provided us with proof (copies of checks and invoices) that they paid a 3rd party administrator for their COBR…
    - 11 Jul 17, 12:18pm -
  • Human Resources Q & A of the Day
    Question: Should an employee’s background check, interview notes, and benefit information be kept separate from the personnel file? Answer: As a best practice (and in certain instances it is legally required), employers should keep certain employee…
    - 10 Jul 17, 10:45am -

Employee Benefits Blog

  • Fla. Class Actions Show Why Correct COBRA Notices Matter
    In Florida’s federal courts, there has been an epidemic of class actions alleging that employers failed to provide technically proper notice of the right to continued healthcare coverage under the Consolidated Omnibus Budget Reconciliation Act. A d…
    - 1 day ago, 14 Nov 19, 10:50am -
  • Class Certification Denied in ERISA Health Coverage Lawsuit
    A federal district court denied class certification to health plan participants who claimed the plan promised them lifetime benefits. The court found too many individualized questions about what the plan told each participant, and the claims could no…
    - 3 days ago, 12 Nov 19, 12:42pm -
  • IRS Announces 2020 Employee Benefit Plan Limits
    Recently the Internal Revenue Service (IRS) and the Social Security Administration announced the cost-of-living adjustments to the applicable dollar limits on various employer-sponsored retirement and welfare plans and the Social Security wage base f…
    - 9 days ago, 6 Nov 19, 5:24pm -
  • Ninth Circuit Considers Rehearing in ERISA Arbitration Case
    The Ninth Circuit signaled that it might rehear Dorman v. The Charles Schwab Corp., where earlier this year it held that a mandatory arbitration provision required arbitration of an ERISA fiduciary-breach claim. Access the full article. Continue Read…
    - 10 days ago, 5 Nov 19, 11:30am -
  • DOL Issues New Proposed Rule for Electronic Disclosures of Retirement Plan Notices
    The Department of Labor (DOL) issued a proposed rule that, if finalized, would expand its existing guidance and liberalize rules for electronic disclosure of retirement plan notices under ERISA. The proposed rule, which sets forth a notice and access…
    - 16 days ago, 31 Oct 19, 10:00am -
  • Responses to Gender Pay Inequity: A Quick World Tour
    Most major jurisdictions have pay equity laws, but their approach is far from uniform. Global companies need to evaluate compliance with these laws on a country-by-country basis whilst simultaneously addressing their compensation policies globally. A…
    - 17 days ago, 29 Oct 19, 12:51pm -
  • How Healthcare Employers Can Comply With OSHA’s Rules on Workplace Violence
    OSHA’s general duty clause now applies to workplace violence in healthcare Sec. of Labor v. Integra Health Mgmt., Inc., OSHRC Docket No. 13-1124 (March 2019), requiring healthcare employers to maintain workplaces “free from recognized hazards th…
    - 22 days ago, 24 Oct 19, 12:41pm -
  • Still Tax, Even Without the Distributed Cash
    The IRS recently issued guidance on the tax treatment, withholding and reporting for required distributions from tax-qualified retirement plans. Plan sponsors should contact their retirement vendors and trustees to ensure that they implement the tax…
    - 24 days ago, 22 Oct 19, 12:27pm -
  • Federal District Court Dismisses Pension Actuarial-Equivalence Lawsuit
    In the string of pension-plan related, actuarial equivalence lawsuits, the court in DeBuske, et al. v. PepsiCo, Inc., et al. recently handed down the first decision favorable to plan sponsors. The DeBuske court’s narrow decision may, however, have…
    - 29 days ago, 17 Oct 19, 12:35pm -
  • The Global Repercussions of Local Employment Risks
    While campaigning for President in 1932, Franklin Roosevelt promised a crowd in Pittsburgh that he’d balance the federal budget while cutting “government operations” by 25 per cent. When he returned to Pittsburgh during his 1936 campaign, Roose…
    - 36 days ago, 10 Oct 19, 11:32am -

FNO: Pensions

Knowledge@Wharton: Ins. & Pensions

Pension Pulse (CAN)

  • newThe $16 Trillion Global Pension Crisis

    The $16 Trillion Global Pension Crisis

    Rich Miller of Bloomberg News reports that according to the G-30, a severe $15.8 trillion pension crisis looms worldwide:The U.S., China and other leading economies confront a massive funding gap of $15.8 trillion in 2050 to ensure lifetime financial…
    - 32 mins ago, 15 Nov 19, 8:44pm -
  • newMichael Sabia Leaving The Caisse

    Michael Sabia Leaving The Caisse

    The Canadian Press reports that Michael Sabia is leaving Caisse to head University of Toronto's Munk School:The chief executive of the Caisse de depot et placement du Quebec is stepping down from the pension fund manager to become head of the Munk Sc…
    - 7 hours ago, 15 Nov 19, 2:15pm -
  • CPPIB's Climate Change Program?

    CPPIB's Climate Change Program?

    Responsible Investor reports that CPPIB is launching a climate investment strategy:The Canada Pension Plan Investment Board (CPPIB) plans to launch an investment strategy to cash in on opportunities arising from consumer trends triggered by climate c…
    - 1 day ago, 14 Nov 19, 4:57pm -
  • Caisse Warns of Giant Risk in Private Debt

    Caisse Warns of Giant Risk in Private Debt

    Paula Sambo of Bloomberg News reports that the Caisse sees giant risk growing in corner of the private-debt market:Direct lenders and big banks are competing for the largest companies in the red-hot market for private credit, which is eroding underw…
    - 3 days ago, 13 Nov 19, 9:06am -
  • PSP Investments' Strikes a Few Deals

    PSP Investments' Strikes a Few Deals

    IPE Real Assets reports that Aviva Investors and Public Sector Pension Investment Board (PSP Investments) just extended their partnership with an agreement to invest up to £250m in commercial property in eastern England:The companies said the new v…
    - 3 days ago, 12 Nov 19, 4:45pm -
  • The Teachers' Battle in Alberta Heats Up

    The Teachers' Battle in Alberta Heats Up

    Danielle Walker of Pensions & Investments reports that Alberta proposes AIMCo take on management of teachers' fund:The Alberta government proposed in its recent budget that management of the C$18 billion ($13.8 billion) Alberta Teachers' Retirement F…
    - 4 days ago, 11 Nov 19, 6:34pm -
  • Is the Capitalist System Really Broken?

    Is the Capitalist System Really Broken?

    Catherine Clifford of CNBC reports on how America’s capitalist system is ‘broken,’ according to billionaire financier Ray Dalio:“The world has gone mad and the system is broken.”So says Ray Dalio, the billionaire financier and founder of B…
    - 6 days ago, 9 Nov 19, 12:30pm -
  • Stock Market Crash Near?

    Stock Market Crash Near?

    Matt Krantz of Investor's Business Daily reports that Nobel Laureate and "Irrational Exuberance" author Robert Shiller says he sees 'bubbles everywhere':When Nobel Laureate and "Irrational Exuberance" author Robert Shiller says he sees bubbles in th…
    - 7 days ago, 8 Nov 19, 9:52pm -
  • Hijacking Alberta Teachers' Retirement Fund?

    Hijacking Alberta Teachers' Retirement Fund?

    Joel Dryden of CBC News reports that some Alberta teachers are uneasy and looking for answers after learning their pensions are on the move — without their consultation or approval:Teachers' pensions are currently managed by the independent Alberta…
    - 7 days ago, 8 Nov 19, 9:39am -
  • CalSTRS Sees a Big Drop in Carried Interest

    CalSTRS Sees a Big Drop in Carried Interest

    Alicia McElhaney of Institutional Investor reports on why CalSTRS paid less to invest in 2018:The overall cost of investing for the California State Teachers’ Retirement System has fallen, but not because investment managers have decreased their fe…
    - 9 days ago, 6 Nov 19, 9:34pm -
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Pension Risk Matters

  • CLE Webinar About ERISA and Hedge Funds and Private Equity Funds

    CLE Webinar About ERISA and Hedge Funds and Private Equity Funds

    I am pleased to announce that I will be speaking as part of an upcoming Strafford live webinar, "Alternative Investments in ERISA Retirement Plans: Mitigating Liability Risks for Hedge and Private Equity Funds and Pension Plan Fiduciaries" schedule…
    - 16 May 17, 2:23am -
  • Investment Fraud and the Role of Trust

    Investment Fraud and the Role of Trust

    This article entitled “Investment Fraud and the Role of Trust” by Dr. Susan Mangiero was originally published on April 19, 2017 in The Fraud Examiner, a publication of the Association of Certified Fraud Examiners that is distributed to some 65,0…
    - 25 Apr 17, 5:13am -
  • Funny Courtroom Film Still Used For Teaching

    Funny Courtroom Film Still Used For Teaching

    I had a chance to watch My Cousin Vinny on television the other night and was reminded how humor is such a powerful storytelling tool. How many times do we remember important concepts because the speaker or writer makes us laugh? Tickling our funny…
    - 10 Apr 17, 12:11am -
  • Pension Blog Turns 11 On Same Day As National Fiduciary Day

    Pension Blog Turns 11 On Same Day As National Fiduciary Day

    Last year, I celebrated a decade of posting investment governance insights to Pension Risk Matters. This year, I have two reasons to say "hooray." March 23 marks the eleventh year of posting analyses, research updates and essays about managing money…
    - 23 Mar 17, 11:52pm -
  • Are You Stressed Out?

    Are You Stressed Out?

    For anyone who is stressed out and needs a literary cupcake or other type of relaxing break, check out my new inspirational gift book. I hope you enjoy The Big Squeeze: Hugs & Inspirations For Every Grown-Up Who Loves Teddy Bears. You can click h…
    - 6 Mar 17, 5:07pm -
  • Can A Retirement Plan Have Too Much Risk Management?

    Can A Retirement Plan Have Too Much Risk Management?

    The issue of excess has been on my mind lately, mostly focused on my fragrance collection but now expanding to the topic of investment risk management. More specifically, as I continue to lead workshops about retirement plan risk management for the…
    - 28 Feb 17, 2:33pm -
  • Dr. Lee Heavner Joins Dr. Susan Mangiero to Discuss Derivatives and Fiduciary Duty

    Dr. Lee Heavner Joins Dr. Susan Mangiero to Discuss Derivatives and Fiduciary Duty

    As a follow-up to my January 12, 2017 announcement about retirement plan risk management education with the Professional Risk Managers' International Association ("PRMIA"), I am delighted to announce a co-presenter for the March 2, 2017 learning ev…
    - 27 Feb 17, 3:07am -
  • New Book by Dr. Susan Mangiero - Smiles On Every Page

    New Book by Dr. Susan Mangiero - Smiles On Every Page

    Hot off the press, The Big Squeeze (Happy Day Press, 2017) by Dr. Susan Mangiero is the result of many months of research about positivity. Inspired by the enduring appeal of teddy bears for grown-ups of all ages, The Big Squeeze is a sweet and upl…
    - 22 Feb 17, 10:20pm -
  • Establishing Risk Management Protocols for Defined Benefit Plans and Defined Contribution Plans

    Establishing Risk Management Protocols for Defined Benefit Plans and Defined Contribution Plans

    As a follow-up to my January 12, 2017 announcement about retirement plan risk management education with the Professional Risk Managers' International Association ("PRMIA"), I am delighted to announce a co-presenter for the February 23, 2017 learning…
    - 21 Feb 17, 12:09am -
  • Thank You for Blog of the Week Recognition

    Thank You for Blog of the Week Recognition

    I was recently informed by Fiduciary News editor Chris Carosa that my blog post entitled "Effective Retirement Plan Communications" (January 8, 2017) was selected "Blog of the Week" for the second week of January. Thank you to Chris and his loyal r…
    - 20 Feb 17, 11:44pm -

The Benefit Blog

  • Everything You Need to Know About Required 401(k) and IRA Withdrawals
    via Wall Street Journal   If you are one of the millions of Americans with a retirement-savings account, three of the most important letters in your financial life might be these: RMD. They stand for required minimum distribution, which is … Conti…
    - 6 Feb 17, 4:10pm -
  • Some Rare Good News for Small Businesses Paying Employee Health Costs
    via Wall Street Journal Small businesses can once again use pretax funds to reimburse workers for health-care costs, especially premiums for individual and family coverage. In a little noticed move, Congress late last year reauthorized Health Reimb…
    - 30 Jan 17, 6:40pm -
  • What Happens When Doctors Only Take Cash
    via Time When Art Villa found out, after one too many boating accidents, that he needed a total knee replacement, he began asking around to see how much it would cost. The hospital near his home in Helena, Mont., would … Continue reading →
    - 27 Jan 17, 7:09pm -
  • Federal Judge Blocks Aetna-Humana Merger on Antitrust Grounds
    via Wall Street Journal WASHINGTON—A federal judge Monday blocked the proposed merger of health insurers Aetna Inc. and Humana Inc. on antitrust grounds, a potentially fatal blow to the $34 billion deal and a capstone victory for Justice Department…
    - 27 Jan 17, 2:03pm -
  • Federal Judge Blocks Aetna-Humana Merger on Antitrust Grounds
    via Wall Street Journal WASHINGTON—A federal judge Monday blocked the proposed merger of health insurers Aetna Inc. and Humana Inc. on antitrust grounds, a potentially fatal blow to the $34 billion deal and a capstone victory for Justice Department…
    - 23 Jan 17, 7:26pm -
  • Trump Nominees Take Aim at Tax Reform and the Fiduciary Rule
    via Lockton Beacon As a new administration takes office, the retirement plan community scratches their collective heads about what to expect. Donald Trump assumes the presidency with no prior public service, presenting very few tea leaves for us to r…
    - 20 Jan 17, 5:07pm -
  • UnitedHealth’s Revenue, Profit Tops Forecasts
    via WSJ UnitedHealth Group Inc. reported a 56% increase in profit in the latest quarter, with results fueled by growth in its core insurance unit and its Optum health-services arm, as well as reduced impact from its money-losing Affordable Care … C…
    - 20 Jan 17, 5:02pm -
  • ACA Repeal Effort Edges Forward, Still Little Clarity on Timeline for Replacement
    via Lockton Benefits Group This week, Congressional Republicans cleared important procedural hurdles on the path to repealing several components of the Affordable Care Act, including the individual and employer mandate penalties. GOP infighting, howe…
    - 16 Jan 17, 4:16pm -
  • Putting Health into the Health Care Debate
    via RAND Corporation One of the many curious aspects of the recent presidential election was the virtual absence of discussion about America’s health. To be sure, the Affordable Care Act, also known as Obamacare, was front and center, but the … C…
    - 10 Jan 17, 7:18pm -
  • Playing With House Money
    via American Thinker Everyone’s familiar with the term “house money.” When you’re playing with house money, you’re gambling or spending money that’s not actually yours, so the perceived risk is lower than it would be if it were your money…
    - 9 Dec 16, 6:08pm -
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