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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

  • Addressing Employees’ Student Loan Debt in 2020
    Student loan debt skyrocketed in the past decade, topping $1.5 trillion among millions of Americans. The crisis has prompted US employers to address it in their benefits programs. McDermott’s Jeffrey M. Holdvogt contributes to a Plan Sponsor articl…
    - 2 days ago, 21 Jan 20, 11:15am -
  • Exec Comp Regs Crack Down on Partnership Arrangements
    Corporations looking to use partnerships to avoid the executive compensation deduction limitation may be out of luck. The new proposed regs (REG-122180-18) on the section 162(m) executive compensation deduction limitation include a rule on compensati…
    - 7 days ago, 16 Jan 20, 11:45am -
  • The Biggest ERISA Decisions of 2019
    In a relatively slow year for benefits rulings, multimillion-dollar settlements were the star of the show. And amid the slew of settlements this year, two court rulings stood out. McDermott’s Richard J. Pearl contributes to a Law360 article that br…
    - 9 days ago, 14 Jan 20, 12:50pm -
  • Finally SECURE: Opportunities in the 2019 SECURE Act for Plan Sponsors
    The SECURE Act—the most significant piece of retirement plan legislation in more than a decade—is now law. Plan sponsors should immediately start considering how changes included in the SECURE Act could impact their retirement and health and welf…
    - 14 days ago, 9 Jan 20, 12:00pm -
  • Top 10 Things to Know About the New FLSA Overtime Calculations
    Beginning January 15, 2020, new, more employer-friendly regulations determine how overtime pay is calculated under the Fair Labor Standards Act. We identified the top 10 things you should know about what is being changed or clarified. Access the full…
    - 16 days ago, 7 Jan 20, 11:30am -
  • Employment Cases to Keep an Eye on in 2020
    This year, the US Supreme Court will get a chance to say whether federal civil rights law protects gay and transgender employees from discrimination, and California courts will grapple with recent changes making it harder for Golden State businesses…
    - 21 days ago, 2 Jan 20, 12:13pm -
  • Fifth Circuit Issues ACA Ruling, But Severability Question Remains
    A decision in Texas v. United States was issued by a divided three-judge panel of the US Court of Appeals for the Fifth Circuit on December 18, 2019. This case presented once again the question whether the Affordable Care Act (ACA) is constitutional…
    - 28 days ago, 26 Dec 19, 12:56pm -
  • Ninth Circuit Decides Not to Rehear Its Decision Requiring Arbitration of ERISA Claims
    As we wrote in a previous On the Subject, the Ninth Circuit Court of Appeals had signaled that it might rehear its August 2019 decisions in Dorman v. The Charles Schwab Corp., in which the Court compelled arbitration of ERISA class-action claims re…
    - 35 days ago, 19 Dec 19, 11:30am -
  • DOL and IRS Expand Access to Multiple Employer Plans and Propose to Eliminate the ‘One Bad Apple’ Rule
    Recently, the Department of Labor (DOL) published final rules clarifying the circumstances under which “bona fide” groups or associations of employers and professional employer organizations (PEOs) may be permitted to sponsor single defined contr…
    - 37 days ago, 17 Dec 19, 10:15am -
  • New Podcast: Whose Data Is It Anyway? Collaboration in Digital Health
    The demand for healthcare innovation is driving collaboration between formerly disparate healthcare companies and bringing in new players, such as technology companies and start-ups, into an already complex space. As companies build partnerships and…
    - 42 days ago, 12 Dec 19, 12:00pm -

FNO: Pensions

Knowledge@Wharton: Ins. & Pensions

Pension Pulse (CAN)

  • newThe World's Most Profitable Hedge Fund?

    The World's Most Profitable Hedge Fund?

    Nathan Vardi of Forbes reports Chris Hohn’s hedge fund firm, TCI Fund Management, made more money in financial markets than any of the world’s most successful hedge fund firms in 2019, marking his ascendancy in the trading world:According to LC…
    - 4 hours ago, 22 Jan 20, 11:44pm -
  • newThe Best and Worst Hedge Funds of 2019?

    The Best and Worst Hedge Funds of 2019?

    Sonali Basak of Bloomberg News wrote a comment on LinkedIn on scouring the Earth for hedge fund returns:Bill Ackman rebounded to a blowout year -- his publicly traded fund jumped 58% in 2019 -- but Ray Dalio is having his worst run in two decades at…
    - 9 hours ago, 22 Jan 20, 7:05pm -
  • newCPPIB's CEO Sounds Alarm on Illiquid Assets

    CPPIB's CEO Sounds Alarm on Illiquid Assets

    Paula Sambo of Bloomberg News reports that CPPIB's Mark Machin warns on global rush into illiquid assets:The biggest global funds should all be monitoring their investments in illiquid assets, according to the head of Canada’s largest pension fund.…
    - 13 hours ago, 22 Jan 20, 2:48pm -
  • White Smoke at the Caisse?

    White Smoke at the Caisse?

    Last Thursday, Denis Lessard and André Dubuc of La Presse reported that CDPQ's Board of Directors is recommending Macky Tall to take over the helm of that organization as Michael Sabia sets to depart. The article is in French so I took the liberty t…
    - 2 days ago, 21 Jan 20, 12:42pm -
  • Don't Fight The Tepper Tape?

    Don't Fight The Tepper Tape?

    Mark DeCambre of MarketWatch reports the man who made a killing during financial crisis says that, at some point, the stock market will slow down — but, till then, ‘I love riding a horse that’s running’:Perhaps, cribbing from the lyrics to…
    - 4 days ago, 18 Jan 20, 11:33pm -
  • CN Investment Division's Hunt For Talent?

    CN Investment Division's Hunt For Talent?

    Sarah Rundell of Top 1000 Funds reports on how CN Investment Division is taking on tech in the hunt for talent:Montreal-based CN Investment Division’s recent search for a quantitative analyst in its absolute return team is a timely reminder that pe…
    - 6 days ago, 16 Jan 20, 8:29pm -
  • OMERS Set to Double Its PE Exposure by 2030

    OMERS Set to Double Its PE Exposure by 2030

    Lina Saigol and Selin Bucak of Private Equity News report that OMERS is set to double its private equity exposure by 2030:The head of buyouts at one of Canada’s largest pension plans says the amount of cash it plans to invest in private equity will…
    - 7 days ago, 16 Jan 20, 1:47pm -
  • BCI Ramping Up its Direct PE Deals

    BCI Ramping Up its Direct PE Deals

    Kelsey Rolfe of Benefits Canada wrote a comment on why institutional investors ramping up allocations to private equity:As private equity becomes a more sizeable part of Canadian pension portfolios, the British Columbia Investment Management Corp.’…
    - 8 days ago, 15 Jan 20, 3:22pm -
  • BlackRock Flips Its Script on ESG?

    BlackRock Flips Its Script on ESG?

    George Hay of Reuters reports that Larry Fink is slowly becoming part of climate solution:Larry Fink seems to be listening to his critics. The BlackRock boss on Tuesday published his annual letter to CEOs of the companies the $7 trillion fund manager…
    - 8 days ago, 15 Jan 20, 8:22am -
  • Are Markets Dreading The Fed's Exit Strategy?

    Are Markets Dreading The Fed's Exit Strategy?

    Earlier this week, Jonnelle Marte and Karen Brettell of Reuters reported the Fed is focused on a repo market exit strategy after avoiding year-end crunch:Wall Street’s worst fears of a year-end funding squeeze never materialized thanks in large par…
    - 10 days ago, 12 Jan 20, 11:21pm -
Emergency Comeback
Shorts Fix
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In The Lights PR

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 -
In The Lights

About PopMuse

A curated aggregation of musings from across the land and of different subject matters for the scanoholics.