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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

  • IRS Expands Self-Correction Program, Provides Welcome Relief for Plan Sponsors
    The IRS recently released an updated version of EPCRS, the IRS’s program for correcting errors that occur under tax-qualified retirement plans. The latest version of EPCRS makes it easier for plan sponsors to self-correct certain types of plan loan…
    - 3 days ago, 23 May 19, 9:45am -
  • Former Employee’s Release Agreement Bars ERISA Claim Against ESOP Fiduciary
    A recent summary-judgment decision explains how individual releases can bar the individual from pursuing ERISA fiduciary-breach claims on behalf of the plan. A plan, employer or fiduciary that wants to ensure a release that includes ERISA claims on b…
    - 5 days ago, 21 May 19, 11:02am -
  • Dallas Implements Paid Sick Leave Law: What You Need to Know
    The City of Dallas recently passed an ordinance requiring employers to provide paid sick leave to workers. Starting August 1, 2019, employers with more than five employees who perform at least 80 hours of work in a year in Dallas should be prepared t…
    - 10 days ago, 16 May 19, 10:49am -
  • Timely Actions – Highly Compensated Excise Tax Deadline Imminent
    As an update on an important matter that we raised during McDermott’s May 8 Tax Symposium, it is critical to promptly assess whether to report any excise taxes imposed under Section 4960 as the deadline for filing Form 4720 is May 15, 2019 for cale…
    - 12 days ago, 14 May 19, 11:01am -
  • Fridays With Benefits Webinar | Quick & Easy Recipes for Fixing 401(k) Plans
    Join us Friday, May 17, as Allison Wilkerson, Brian Tiemann and Sarah Engle join host Judith Wethall to talk through the value of conducting a proactive self-audit of 401(k) plans. They will provide best practices designed to reduce the risk of costl…
    - 16 days ago, 9 May 19, 1:40pm -
  • DOL Offers Interim Relief for Employers’ Association Health Plans
    Last week, the Department of Labor (DOL) responded to the district court decision striking down the final regulations expanding the ability for a group of unrelated employers to form an organization in order to offer health care to its members. The D…
    - 18 days ago, 7 May 19, 12:50pm -
  • IRS Opens the Door to Lump Sum Payment Windows for Retirees in Pay Status
    Due to an Internal Revenue Service (IRS) change in course published in Notice 2019-18, plan sponsors may now offer retirees lump-sum windows as another pension “de-risking” option. Plan sponsors considering pension de-risking opportunities and op…
    - 23 days ago, 2 May 19, 12:47pm -
  • Selling a Family or Multi-Shareholder Business to an ESOP
    In a presentation for the National Center for Employee Ownership (NCEO) Conference, Erin Turley presented on selling a family of multi-shareholder business to an ESOP. She discussed ownership transition alternatives and how to execute the ESOP transa…
    - 30 days ago, 25 Apr 19, 12:24pm -
  • UK Employment Rate and Compensation Increases Now in Effect
    In case you have been distracted by other recent events in the UK, here is a reminder that the compensation limits on Employment Tribunal awards and certain other amounts payable under UK employment legislation increased as of the first week of April…
    - 33 days ago, 23 Apr 19, 11:40am -
  • ESOPs: What Not To Do (and If You Did, How to Correct It)
    In a presentation for the National Center for Employee Ownership (NCEO) Conference, Emily Rickard presented on ESOP plan design, operation and administration. She, along with the other presenters, identified ERISA compliance watchdogs including the p…
    - 39 days ago, 16 Apr 19, 1:07pm -

FNO: Pensions

Knowledge@Wharton: Ins. & Pensions

Pension Pulse (CAN)

  • newTop Funds' Activity in Q1 2019

    Top Funds' Activity in Q1 2019

    The latest round of 13F filings from institutional investors were out this week, revealing what some of the most successful investors have been buying and selling during the last quarter. It appears fund managers were doing more selling than buying o…
    - 3 hours ago, 25 May 19, 8:46pm -
  • A Cold Summer For Stocks?

    A Cold Summer For Stocks?

    Today, CNBC reports stocks continued their five-week decline after a brief rally when President Donald Trump said the ongoing trade war could be over quickly:The Dow Jones Industrial Average is down about 1% this week and is on pace to post its fifth…
    - 1 day ago, 24 May 19, 4:26pm -
  • Private Equity Losing its Luster?

    Private Equity Losing its Luster?

    Institutional Investor reports that according to an eVestment survey, more investors are lowering their expectations for private equity than any other area of private markets:Fifty-two percent of investors probed by the data provider are expecting pr…
    - 2 days ago, 24 May 19, 8:40am -
  • The Geopolitics of Technology

    The Geopolitics of Technology

    The Global Risk Institute published an interesting paper on the geopolitics of technology:In the race to innovate, the geopolitical determinants of big data, AI and 5G are critical to the financial services industry. These technologies can help insti…
    - 3 days ago, 22 May 19, 4:36pm -
  • Mark Machin's Big Bonus?

    Mark Machin's Big Bonus?

    Institutional Investor reports on how the Canada Pension Plan Investment Board (CPPIB) paid chief executive Mark Machin C$5.265 million for a fiscal year ending March 31, 2019. CPPIB had estimated that it would pay Machin C$3.565 million for the year…
    - 4 days ago, 21 May 19, 11:25pm -
  • CPPIB Gains 8.9% in Fiscal 2019

    CPPIB Gains 8.9% in Fiscal 2019

    Today, the Canada Pension Plan Investment Board (CPPIB) reported impressive results for fiscal year 2019. It achieved a 10-year and five-year annualized net nominal returns of 11.1% and 10.7%, respectively. The Fund returned 8.9% net of all costs:“…
    - 5 days ago, 21 May 19, 11:47am -
  • CDPQ's First Investment in Chile's Ports

    CDPQ's First Investment in Chile's Ports

    Caisse de dépôt et placement du Québec (CDPQ) has acquired a 45% stake in DP World Chile, which operates terminals in Puerto Central and Puerto Lirquen, serving Chilean consumption and industrial centers. This is CDPQ's first infrastructure invest…
    - 9 days ago, 16 May 19, 5:48pm -
  • CPPIB Shifts Focus to Emerging Markets

    CPPIB Shifts Focus to Emerging Markets

    At the SALT conference last week, John Graham, senior managing director and global head of credit investments at CPPIB, said that the growth story in emerging markets is compelling:“Up to one-third of the Fund is set to be invested in emerging mark…
    - 11 days ago, 14 May 19, 5:43pm -
  • CDPQ Warms Up to Solar

    CDPQ Warms Up to Solar

    Today, the Caisse de depot et placement du Quebec (CDPQ) announced a loan of $260 million or £150 million to Lightsource BP, whose major stakeholder is British Petroleum (BP):The facility will initially be used to finance a diversified portfolio com…
    - 12 days ago, 13 May 19, 8:32pm -
  • The Market's Wild Ride Just Starting?

    The Market's Wild Ride Just Starting?

    CNBC reports stocks staged a massive reversal on Friday after President Donald Trump said conversations with China over trade will continue and his relationship with President Xi Jinping remains strong:The Dow Jones Industrial Average finished the da…
    - 13 days ago, 13 May 19, 9:11am -
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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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