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Benefit BLOG

Benefits @ Work

  • What are pay-per-use Health Insurance plans?

    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…
    - 5 days ago, 18 Jul 17, 12:40pm -
  • Human Resources Q & A of the Day

    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…
    - 12 days ago, 11 Jul 17, 12:18pm -
  • Human Resources Q & A of the Day

    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…
    - 13 days ago, 10 Jul 17, 10:45am -
  • Human Resources Q & A of the Day

    Human Resources Q & A of the Day

    Question: We recently made some changes to our handbook policies regarding benefits offered to employees and have a disclaimer stating, “The Company reserves the exclusive right to change or terminate any benefits or related policy at any time in a…
    - 16 days ago, 7 Jul 17, 11:23am -
  • Ease the Annual Benefit Enrollment Uncertainty This Year

    Ease the Annual Benefit Enrollment Uncertainty This Year

    If you’re like most human resources practitioners, you face the annual benefits enrollment with a mixture of dread and anticipation each year. Dread for the expected price increases and anticipation for newer, less expensive and better plans that m…
    - 17 days ago, 6 Jul 17, 12:33pm -
  • Top Questions on Dependent Care Spending Accounts

    Top Questions on Dependent Care Spending Accounts

    School’s out! Summer is here, and it’s the time of year when working parents have questions about using their Dependent Care Spending Accounts (DCSAs). Are summer camp expenses eligible? What about day versus overnight camps? Employers and benefi…
    - 18 days ago, 5 Jul 17, 3:09pm -
  • Retaining Employees

    Retaining Employees

    Retaining skilled employees is a significant issue for any business. A high rate of employee turnover can result in a loss of knowledge and skills, as well as have a direct impact on a company’s bottom line. The cost of losing an employee includes…
    - 26 days ago, 27 Jun 17, 12:34pm -
  • Small Business Insurance Options: Fully Insured Vs. Self-Insured Vs. Level Funding Plans

    Small Business Insurance Options: Fully Insured Vs. Self-Insured Vs. Level Funding Plans

    For those of you who haven’t heard, level funding is the next big thing in small business insurance options.  But how do you know if it’s right for your company?  And if you decide it’s a good solution, what is your next step? Fully Insured V…
    - 27 days ago, 26 Jun 17, 11:56am -
  • Summer Interns Could Be Subject to Minimum Wage and Overtime Requirements

    Summer Interns Could Be Subject to Minimum Wage and Overtime Requirements

    Internships Most Often Considered “Employment” by DOL Employers planning to hire interns this summer should keep in mind that the U.S. Department of Labor (DOL) has stated that private sector internships are most often considered “employment”…
    - 27 days ago, 26 Jun 17, 9:58am -
  • How to Keep Your Employees Motivated This Summer

    How to Keep Your Employees Motivated This Summer

    The warm weather and eagerly anticipated outdoor activities of summer may take a toll on your workers’ concentration. If you’re noticing a lack of focus among your employees during this time of year, consider the following ideas to help keep them…
    - 30 days ago, 23 Jun 17, 6:21pm -

Employee Benefits Blog

  • Adding Value to Your Organization: Benefits Best Practices to Avoid Common Mistakes

    Adding Value to Your Organization: Benefits Best Practices to Avoid Common Mistakes

    In a recent webinar, Jake Mattinson and Sarah Raaii discussed the practices that benefits professionals can adopt to add value to their organizations and avoid common mistakes.  Jake and Sarah discussed recommended practices for ERISA benefit claims…
    - 3 days ago, 20 Jul 17, 11:51am -
  • OIG Reports More than $731 Million in Inappropriate Medicare Meaningful Use Payments

    OIG Reports More than $731 Million in Inappropriate Medicare Meaningful Use Payments

    Amanda Enyeart and Lisa Schmitz Mazur wrote this bylined article explaining how the HHS Office of Inspector General used a survey by the Electronic Health Records (EHR) Incentive Program run by Centers for Medicare and Medicaid Services (CMS) to conc…
    - 5 days ago, 18 Jul 17, 2:42pm -
  • M&A Webinar Series Part II: The Due Diligence Process

    M&A Webinar Series Part II: The Due Diligence Process

    There are many different types of mergers and acquisitions (M&A) transactions, making it very important to understand the overall deal structure and process. Andrew C. Liazos presented “Mergers and Acquisitions Webinar Series Part 2: The Due Dilige…
    - 10 days ago, 13 Jul 17, 10:48am -
  • Last but Not Least, Texas Takes the Final Steps to Embrace Telemedicine

    Last but Not Least, Texas Takes the Final Steps to Embrace Telemedicine


    - 12 days ago, 11 Jul 17, 1:11pm -
  • ESOPs and Artisan Distilling

    ESOPs and Artisan Distilling

    Employee Stock Ownership Plans (ESOPs) are becoming a popular—and tax effective—way for companies to manage succession planning. When structured properly an ESOP can provide huge financial benefits to companies and their employees alike. There ha…
    - 17 days ago, 6 Jul 17, 10:30am -
  • PCORI Fee Due by July 31, 2017

    PCORI Fee Due by July 31, 2017

    The Patient-Centered Outcomes Research Institute (PCORI) fee was established under the Affordable Care Act (ACA) to advance comparative clinical effectiveness research. The PCORI fee is assessed on issuers of health insurance policies and sponsors of…
    - 24 days ago, 29 Jun 17, 10:31am -
  • Senate Republicans Unveil ACA Repeal Bill

    Senate Republicans Unveil ACA Repeal Bill

    Last week, Senate Republicans unveiled draft legislation to move toward repealing portions of the Affordable Care Act (ACA). The draft health care bill, known as the Better Care Reconciliation Act, was hatched behind closed doors without public commi…
    - 26 days ago, 27 Jun 17, 3:30pm -
  • Proposed Changes to § 409a Regulations: Greater Clarity and Better Planning Alternatives

    Proposed Changes to § 409a Regulations: Greater Clarity and Better Planning Alternatives

    Andrew Liazos and Allison Wilkerson wrote this bylined article on Tax Code Section 409A’s deferral and payment requirements for nonqualified deferred com­pensation plans. Recent IRS Section 409A guidance makes “several helpful changes that emplo…
    - 31 days ago, 22 Jun 17, 11:32am -
  • The Quandary of Publicly-Traded Employer Stock in a 401(k) Plan

    The Quandary of Publicly-Traded Employer Stock in a 401(k) Plan

    Offering employer stock in a 401(k) plan investment lineup can seem like a win-win situation. It can enable employees to become company owners—real, skin-in-the-game, participants in their employer’s economic future—through a simple deferral el…
    - 33 days ago, 20 Jun 17, 10:16am -
  • Legally Mandated Benefit Plan Changes Still Require Bargaining

    Legally Mandated Benefit Plan Changes Still Require Bargaining

    A unanimous panel of the NLRB, including Chairman Philip A. Miscimarra, held that ACA mandates do not relieve an employer of its duty to bargain with a union representing its employees regarding certain health insurance benefit plan changes. Read the…
    - 38 days ago, 15 Jun 17, 10:17am -

FNO: Pensions

Knowledge@Wharton: Ins. & Pensions

Pension Pulse (CAN)

  • newThe End of the Central Banks' Era?

    The End of the Central Banks' Era?

    Ray Dalio, Chairman and CEO of Bridgewater Associates posted a comment on LinkedIn, Central Banks’ Reversals Signal the End of One Era and the Beginning of Another:For the last nine years, central banks drove interest rates to nil and pumped money…
    - 22 hours ago, 22 Jul 17, 12:19pm -
  • Are Macro Gods in Big Trouble?

    Are Macro Gods in Big Trouble?

    Saijel Kishan of Bloomberg reports, Markets No Longer Make Sense to Macro Managers:Financial markets no longer make sense to macro managers like Mark Spindel.After spending three decades focusing on things like economic trends, currency moves, politi…
    - 1 day ago, 22 Jul 17, 12:02am -
  • Pension Funds Displacing Private Equity?

    Pension Funds Displacing Private Equity?

    Lisa Abramowicz of Bloomberg reports, That's Not Private Equity, That's a Pension Fund:Pension funds are in an increasingly tight spot. They face falling investment returns and a growing volume of bills as more employees near retirement.So it's not s…
    - 2 days ago, 21 Jul 17, 6:14pm -
  • HOOPP Warns of the Next Crisis?

    HOOPP Warns of the Next Crisis?

    At the end of June, The Healthcare of Ontario Pension Plan (HOOPP) put out an article, Senior Poverty: The Next Crisis?:HOOPP is launching a series of articles to deepen the conversation around retirement security and to bring awareness around the be…
    - 2 days ago, 21 Jul 17, 3:41pm -
  • bcIMC Gains 12.4% in Fiscal 2017

    bcIMC Gains 12.4% in Fiscal 2017

    Canada News Wire reports, bcIMC Reports 12.4% Annual Return For Fiscal 2017:The British Columbia Investment Management Corporation (bcIMC) today announced an annual combined pension return, net of costs, of 12.4 per cent for the fiscal year ended Mar…
    - 2 days ago, 21 Jul 17, 2:55pm -
  • CalPERS Goes Canadian in Private Equity?

    CalPERS Goes Canadian in Private Equity?

    Robin Respaut of Reuters reports, CalPERS says considering making own private equity investments:The California Public Employees' Retirement System (CalPERS) on Monday said it was considering making direct investments in private companies, a potentia…
    - 4 days ago, 18 Jul 17, 11:22pm -
  • OPTrust Diversifying its Returns?

    OPTrust Diversifying its Returns?

    Colin McClelland of Bloomberg reports, Pension plan OPTrust seeks illiquid assets to diversify returns:In a world of lower returns, OPTrust Chief Executive Officer Hugh O’Reilly is moving into riskier investments as contributors to the retirement p…
    - 5 days ago, 17 Jul 17, 11:17pm -
  • AIMCo Gains 5.8% in 2016

    AIMCo Gains 5.8% in 2016

    A couple of weeks ago, Barry Critchley of the National Post reported, AIMCo joins list of pension funds issuing debt:For the second time in a week, Canadian pension funds have demonstrated that their debt offerings are more than welcome anywhere —…
    - 17 days ago, 6 Jul 17, 12:19pm -
  • US Pensions Threaten Real Estate?

    US Pensions Threaten Real Estate?

    Hallmark Abstract Services report, Could Underfunded Public Pension Plans Pose A Risk To Real Estate Values?:Depending on the methodology that’s used to determine the underfunded position of state public pension plans, the number as of 2015 ranged…
    - 19 days ago, 4 Jul 17, 11:07am -
  • CPPIB Bets Big on Houston?

    CPPIB Bets Big on Houston?

    Matt Scuffham of Reuters reports, Canada Pension Plan to buy U.S. REIT Parkway for $1.2 billion:Canada Pension Plan Investment Board said on Friday it would buy Houston-based real estate investment trust Parkway Inc (PKY) for $1.2 billion, its second…
    - 22 days ago, 1 Jul 17, 10:59am -
In The Lights PR
In The Lights PR
In The Lights PR
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…
    - 68 days ago, 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…
    - 89 days ago, 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

    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

    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

    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

    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

    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

    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

    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

    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

    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

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