Headlines about "Disability plans"
Gathered from the web by the editors at BenefitsLink.com.
Cancer Remains Top Cause for Long-Term Disability Claims
Excerpt: "[Unum, a provider of group disability insurance] reports that 12.2% of its long-term disability claims resulted from cancer cases." (Employee Benefit News; free registration required)
[Guidance Overview] The Effect of Conflicts of Interest on the Scope of Discovery
Excerpt: "The scope of judicial review in ERISA claim for benefit cases has presented one of the classic debates that belie the tired old bromide to the effect that ERISA is a 'comprehensive and reticulated' statute needing no supplementation." (Health Plan Law blog by Attorney Roy F. Harmon III)
Supreme Court Considers Conflict for Plan Administrators That are Also Payers
Excerpt: "The U.S. Supreme Court heard oral arguments on a case to determine how much the conflict of a dual role of a plan administrator that is also a payer of benefits should be considered when reviewing the administrator's denial of benefits." (PLANSPONSOR.com; free registration required)
Survey Finds Many Women Underinsured for Income Protection
Excerpt: "A survey sponsored by The Hartford Group, an insurance provider, found that two-thirds of moms say it is 'extremely' or 'very important' for their spouse or partner to have disability insurance, compared with only half who say it is 'extremely' or 'very important' to have coverage themselves. A news release said the poll found less than half of mothers (47%) who work outside the home have short-term disability insurance and even fewer (37%) have long-term disability coverage." (PLANSPONSOR.com; free registration required)
[Opinion] Feuer on Glenn ERISA Case
Excerpt: "Prominent ERISA attorney, Albert Feuer, writes . . . about the Court's recent oral argument in the structural conflict of interest ERISA case of MetLife v. Glenn: What is the basic review standard if there is no conflict? Arbitrary and capricious, abuse of discretion, or reasonableness. Counsel for Glenn kept referring to reasonableness as illustrated in the blog. Counsel for Metropolitan Life kept referring to arbitrary and capricious, which he asserted was the same as abuse of discretion . . . ." (Workplace Prof Blog)
[Guidance Overview] Reversal of Benefits Decision on Remand to Plan Administrator Warrants Attorneys' Fees Award
Excerpt: "In this case, the district court denied the plaintiff's motion, but the Ninth Circuit reversed based upon the fact that the district court had remanded the case to the plan administrator and the remand did effect a change in his legal relationship with the plan." (Health Plan Law blog by Attorney Roy F. Harmon III)
[Guidance Overview] Failure to Furnish SPD Can Lead to Loss of Deferential Standard of Review
Excerpt: "Getting to an abuse of discretion standard of review is actually a two-step task. First, the plan or SPD must actually have an appropriately drafted clause. Second, the document must actually get to the plan participant. While the outcome in this case was not affected by the standard of review, the case is nonetheless interesting for its focus on what often seems overlooked in benefit claims cases, i.e., were the plan documents actually distributed to the plan participants in the form present to the court as a part of the administrative record." (Health Plan Law blog by Attorney Roy F. Harmon III)
Comments on Easterbrook, an oral argument analysis, and the pending decision in Glenn
Excerpt: "Hey, Did Easterbrook Read My Glenn ERISA Analysis? Apparently not. Consider his lack of interest (pun intended) in the structural conflict of interest argument at stake in Metlife v. Glenn in this case, Williams v. The Interpublic Severance Pay Plan, 07-3146 (7th Cir. Apr. 29, 2008): Williams contends nonetheless that we should review the decision de novo because the Plan is unfunded . . . ." (Workplace Prof Blog)
Montana State Auditor Files Brief for Consumers in MetLife v. Wanda Glen
Excerpt: "The Supreme Court agreed to hear the case -- Met Life v. Wanda Glen -- to address a question that has divided the U.S. courts of appeal: whether insurance companies that deny group health or disability insurance claims should be given deference by courts reviewing the claim denial, or whether such insurers are operating under a 'conflict of interest' that precludes deference. The issue involves interpretation of the expansive and complicated federal law known as ERISA." (DailyInsurer)
High Court Hears Benefits Conflict-of-Interest Case
Excerpt: "The Supreme Court will decide whether a benefit plan administrator that both determines and pays benefits operates under a conflict of interest that must be considered by courts reviewing benefits cases." (Workforce Management; free registration required)
Supremes Seem Torn Over Disability Insurance Conflict-of-Interest Case
Excerpt: "In an hour of intense arguments in which the U.S. Solicitor General joined with the claimant, the justices first wrestled with the question of the level of scrutiny lower courts should consider in cases where the insurance company plays a dual role." (The National Underwriter Company; free registration or paid subscription required)
ERISA Plan Not Subject to Labor Arbitration
Excerpt: "Steelworkers v. Rohm, ___F.3d___(3rd Cir. April 14, 2008) is an important decision. The court holds that a dispute over an ERISA disablity plan is generally not subject to labor arbitration." (Adjunct Law Prof Blog)
[Guidance Overview] Claimant Not Entitled to Appeal-Level Physician's Report Prior to Plan's Final Decision on Appeal
Excerpt: "EBIA Comment: Both of the circuit courts that have addressed this issue to date (the Tenth and the Eleventh Circuits) have concluded that a claimant is not entitled to appeal-level medical reports prior to the plan decisionmaker's final decision on appeal." (Employee Benefits Institute of America)
Postscript to Metlife v. Glenn
Excerpt: "In my opinion, the notion of internal firewalls and protections hinted at by Justice Kennedy shows a failure to understand the practical realities of insurance company claims administration. Moreover, Justice Roberts conflates insurance company administration and employer self-funded claims administration in his comments. I doubt anything definitive will come of this case and that we will have at least one footnote (probably by Justice Roberts) that will spawn endless speculation." (Health Plan Law blog by Attorney Roy F. Harmon III)
[Opinion] Glenn ERISA Case Oral Argument Transcript Analysis
Excerpt: "The Supreme Court heard oral argument this morning in the ERISA enforcement case of Metlife v. Glenn. The case concerns the issue highlighted here before about structural conflicts of interest (dual-role insurers) in ERISA denial of benefits case under Section 502(a)(1)(B). Here are some thoughts and highlights based on my reading of the Glenn oral argument transcript . . . ." (Workplace Prof Blog)
Transcript for Oral Arguments in MetLife v. Glenn
Excerpt: "You won't want to miss reading the transcript for oral arguments in the case of MetLife v. Glenn argued before the Supreme Court this morning. Access it [at http://www.supremecourtus.gov/oral_arguments/argument_transcripts/06-923.pdf]." (Attorney B. Janell Grenier via Benefitsblog.com)
[Guidance Overview] Benefit Decisions by 'Conflicted' ERISA Plan Administrators – U.S. Supreme Court to Decide the Standard of Judicial Review that Applies
Excerpt: "The case before the Supreme Court raises issues with a very standard administrative set-up, in which the plan's insurer is also the entity which decides benefit claims. In this case, the employee was denied a continuation of disability benefits because the insurer determined she was no longer disabled. The employee contends that, because of its dual role, the insurer has an inherent conflict of interest . . . ." (Deloitte via BenefitsLink.com)
U.S. Supreme Court to Hear Key Disability Plan Case
Excerpt: "The U.S. Supreme Court on Wednesday morning is scheduled to hear argument in a case involving conflicts of interest for ERISA plan administrators. The case, MetLife v. Glenn, centers on whether there is an inherent conflict of interest for insurance companies that both administer employee disability plans and pay benefits under the same plans. The arrangement is allowed under the Employee Retirement Income Security Act." (LegalNewsLine.com)
[Guidance Overview] Court Denies Participant's Request for Claims Guidelines That Were Not Relied Upon in Determining Her Claim
Excerpt: "EBIA Comment: This claims administrator was not required to provide its guidelines because it was able to show that they were not used in determining the participant's claim. As noted in the decision, however, other courts have read the claims procedure regulations differently and might require guidelines of this type to be made available, even if they were not used or relied upon in the particular claim. Thus, employers, insurers, and third-party claims administrators should be prepared to provide copies of these types of documents if required." (Employee Benefits Institute of America)
[Guidance Overview] New Jersey to Provide Payments to Workers Taking Leave to Care for Dependent Family Members (PDF)
4 pages. Excerpt: "On April 7, after several years of intensive lobbying and legislative negotiations, the New Jersey Senate passed an Assembly bill that, once signed by the governor, will make New Jersey the third state to provide state payments for workers on leave to care for dependent family members. Governor Corzine has announced that he intends to sign the bill. The bill amends New Jersey's Temporary Disability Benefits Law (TDBL) such that, commencing July 1, 2009, employees taking 'family temporary disability leave' shall be eligible to apply to the state for up to six weeks of disability benefit payments." (Morgan, Lewis & Bockius LLP)
[Guidance Overview] ERISA and Arbitration Under a Collective Bargaining Agreement
Excerpt: "The Third Circuit recently considered an interesting case at the intersection of employee benefits law and labor law, involving a multiemployer benefit plan and the necessity of employees to grieve under the CBA a disability benefit claims, rather than going directly to federal court." (Workplace Prof Blog)
[Guidance Overview] No Statutory Penalty for Failure to Supply Requested Benefit Claims Forms
Excerpt: "It is important to get the meaning of this particular statute right - at $110 per day, the Latin lesson could get expensive. That's the potential penalty, of course, for failure to provided requested information under 29 U.S.C. § 1024(b)(4). . . . A recent district court decision holds that claims forms do not rank inclusion in the plan information subject to the statute." (Health Plan Law blog by Attorney Roy F. Harmon III)
High Court Prepares To Hear ERISA Discretion Arguments
Excerpt: "The U.S. Supreme Court could hear oral arguments concerning a group benefits administration case April 23. The court has scheduled arguments on the case, Metropolitan Life Insurance Company et al. petitioners vs. Wanda Glenn, for that date." (The National Underwriter Company; free registration or paid subscription required)
[Opinion] Another Glenn ERISA Amicus Brief: Arguing NonDelegation
Excerpt: "[W]e are featuring another amicus brief in Glenn that Jonathan Feigenbaum filed with Scott Riemer for the MS Society of New York City in the case. In an interesting and novel argument, they maintain that deferring to a litigant in a Section 502(a)(1)(B) denial of benefits case is an impermissible delegation of Article III duties that denies Mrs. Glenn her constitutional right to Article III adjudication. They write that they know of no other area of the law where the Federal Judiciary defers to the decision of a private litigant when deciding private rights." (Workplace Prof Blog)
House Judiciary Committee Will Hold More Hearings on Benefits Programs for Retired N.F.L. Players
Excerpt: "In releasing a 144-page report from the Congressional Research Service, the chairman John Conyers said additional government intervention was needed. The report did not make specific recommendations about how the league and the players union should change their benefits programs for retirees." (AP via The New York Times; free registration required)
[Guidance Overview] On the Standard of Review - A New Checklist
Excerpt: "The proper standard of review to be applied in judicial review of a plan administrator's decision varies depending on venue. Nor are the Courts all persuaded that the issues have been well decided." (Health Plan Law blog by Attorney Roy F. Harmon III)
Military Retirement, Concurrent Receipt, and Related Major Legislative Issues (PDF)
20 pages. Excerpt: "The military retirement system includes benefits for retirement after an active or reserve military career, disability retirement, and survivor benefits for eligible survivors of deceased retirees. The change to the system that has generated the most recent legislative activity involves whether some or all military retirees should be allowed to receive both military retired pay and any VA disability compensation to which they are otherwise entitled; this is referred to as 'concurrent receipt.'" (Congressional Research Service)
Baby-Boomer Workers Unaware and Unconcerned About Their Risks for Extended Disability
Excerpt: "Baby-boomer workers 'significantly underestimate' their risk for an absence from work because of an extended disability and say that they are not concerned about that possibility, according to a survey recently conducted by Harris Interactive for America's Health Insurance Plans (AHIP)." (Wolters Kluwer)
Abstract of Winter 2008 Report of Results from the Healthy Campus Survey
Excerpt: "For colleges and universities, strategically coordinated healthy campus programs can pay off with significant return on investment (ROI), making a strong case for the investment as a smart use of often tight budget dollars. Given the ROI potential of campus health initiatives, Sibson Consulting invited colleges and universities across the country to participate in a Healthy Campus Survey. The survey captured information about current practices. It also examined the relationship between them and outcomes, such as faculty and staff turnover and vacancy rates, absence rates, health care costs and use of short-term disability benefits." (The Segal Group, Inc.)
[Guidance Overview] Exhaustion of Administrative Remedies Defense Precludes Judicial Review
Excerpt: "Failure to exhaust of administrative remedies provided the decisive factor for the plan in this claim for benefits dispute. The case highlights the typical analysis that supports a finding for the plan administrator and provides a cautionary tale for those advancing claims for benefits in the face of initial claims denial." (Health Plan Law blog by Attorney Roy F. Harmon III)
[Opinion] National Association of Insurance Commissioners Files Amicus Brief in MetLife v. Glenn
Excerpt: "State Auditor John Morrison today filed a 'friend of the court' brief in a United States Supreme Court case involving worker rights under group health and disability insurance." (Health Plan Law blog by Attorney Roy F. Harmon III)
Insurers Faulted for Overloading Social Security with Disability Claims
Excerpt: "The Social Security system is choking on paperwork and spending millions of dollars a year screening dubious applications for disability benefits, according to lawsuits filed by whistle-blowers. Insurance companies are the source of the problem, the lawsuits say. The insurers are forcing many people who file disability claims with them to also apply to Social Security -- even people who clearly do not qualify for the government program." (The New York Times; free registration required)
[Guidance Overview] Plan Document Established Employer Endorsement and Defeated ERISA's Voluntary Plan Safe Harbor
Excerpt: "EBIA Comment: We think this employer and insurer intended for the plan to be subject to ERISA. As a result, the plan document clearly showed the employer's endorsement, thus making it easy for the court to reach its conclusion while examining solely the plan document. There can be advantages for an employer and insurer when a plan is subject to ERISA, such as insulation from contract and fraud claims and the larger damages often awarded under state law (including possible consequential and punitive damages)." (Employee Benefits Institute of America)
[Guidance Overview] Split Noted: Can a Cause, as Opposed to a Symptom, of an Illness Create Ambiguity in an ERISA Plan?
Excerpt: "In the course of reviewing this ruling, the D.C. Circuit notes that the circuits are split over whether the cause of an illness can create an ambiguity in an ERISA plan. The CAs 5,8 hold that it is the symptoms, not the causes, that determine whether an illness is physical or mental. The CAs 7,9,11 permit cause-based interpretations. The panel does not decide the issue in this case, however, because there were issues of material fact concerning whether physical factors can cause bipolar disorder and if they did so in this case. It thus reverses the grant of summary judgment and remands for further proceedings." (Appellate Review)
[Guidance Overview] Plan Committee Can Seek Reimbursement of Disability Overpayment
Excerpt: "The U.S. District Court for the Northern District of Illinois has ruled that a retirement and welfare plan committee can seek reimbursement of over $260,000 in overpaid disability benefits to a retired airline pilot." (PLANSPONSOR.com; free registration required)
Status of the Social Security and Medicare Programs - A Summary of the 2008 Annual Reports
Excerpt: "The financial difficulties facing Social Security and Medicare pose enormous challenges. The sooner these challenges are addressed, the more varied and less disruptive their solutions can be. We urge the public to engage in informed discussion and policymakers to think creatively about the changing needs and preferences of working and retired Americans. A national conversation and timely political action are essential to ensure that Social Security and Medicare continue to play a critical role in the lives of all Americans." (Social Security and Medicare Boards of Trustees)
The 2008 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds
Excerpt: "The 2008 OASDI Trustees Report . . . presents the current and projected future financial status of the trust funds." (Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds)
[Opinion] ERISA - License to Cheat, Lie and Steal for the Disability Insurance Industry
Excerpt: "As will be argued, ERISA (the acronym for the misnamed, 'Employee Retirement Income Security Act) has created a brutal, arbitrary and inefficient administrative process that is controlled by the insurance industry. ERISA governs employee welfare benefit programs that consist of 'any plan, fund, or program . . . established or maintained by an employer' to provide benefits through an insurance policy. This article concerns ERISA's application to employment short term and long term disability plans (Plans)." (Doctor Law's Legal Scalpel)
High Court Declines to Review LTD and Pension Cases
Excerpt: "The U.S. Supreme Court has decided against hearing appeals of two decisions involving employee benefits issues. The court refused to take up an appeal in Rohm and Haas Pension vs. Williams. . . . The Supreme Court also declined to take up Graham vs. Hartford Life Insurance Company." (The National Underwriter Company; free registration or paid subscription required)
[Guidance Overview] CRS Report: Disability Benefits for Federal Employees, Including Retirement Due to Disability (PDF)
Excerpt: "Federal civilian employees earn 13 days of paid sick leave per year. Sick leave can be used because of the worker's own illness or injury or to care for an ill or injured family member. A worker's employing agency can advance up to 30 additional days of sick leave to an employee who has exhausted his or her accrued sick leave. A federal worker with a long-term disability can separate from service through a disability retirement. A federal employee who sustains a disabling injury on the job can receive benefits under the Federal Employees' Compensation Act (FECA). FECA benefits consist of cash compensation, payment of medical costs related to the injury, vocational rehabilitation assistance, the cost of attendant care services, and burial benefits. A disabled federal employee may not receive a disability retirement annuity and FECA benefits simultaneously." (Congressional Research Service, U.S. Library of Congress)
[Guidance Overview] 'Blanket Prohibition' on Discovery in ERISA Benefit Claims Dispute Inappropriate
Excerpt: "Hoyt v. The Prudential offers a useful analysis of when discovery may be appropriate notwithstanding the application of the deferential standard of review required under Firestone v. Bruch. In this disability case, the plaintiff alleged that the defendant carrier considered information beyond the administrative record and operated under a conflict of interest." (Health Plan Law blog by Attorney Roy F. Harmon III)
[Guidance Overview] IRS Approves Continued Reliance on Alternative Disability Mortality Tables
Excerpt: "Reliance on the mortality tables set forth in Rev. Rul. 96-7 . . . for individuals entitled to defined benefit plan benefits due to disability, may continue until the IRS issues revised disability mortality tables, as required by the Pension Protection Act of 2006 (PPA; P.L. 109-280), according to a newly-issued IRS Notice." (Wolters Kluwer)
Employer Costs for Employee Compensation, December 2007 - Summary
Excerpt: "Employer costs for insurance benefits -- life, health, and disability -- averaged $2.34 per hour (8.3 percent of total compensation). Paid leave benefits (vacations, holidays, sick leave, and other leave) averaged $1.96 (7.0 percent); retirement and savings averaged $1.24 (4.4 percent); and supplemental pay averaged 72 cents (2.6 percent) per hour worked." (U.S. Bureau of Labor Statistics)
U.S. Senator Dodd Proposes Disability Savings Accounts
Excerpt: "Connecticut Senator Chris Dodd has introduced a bill creating tax-advantaged Disability Savings Accounts (DSAs) to allow families with disabled members to better save for the costs of their care." (PLANSPONSOR.com; free registration required)
[Guidance Overview] Tax-Free Long-Term Disability Benefits (PDF)
Pages 2-3 of 4 pages. Excerpt: "An employer who wishes to provide its employees with the opportunity to make after-tax contributions and receive their disability benefits on a tax-free basis needs to prospectively amend its cafeteria plan to permit payment of the premiums on an after-tax basis and communicate this option to employees." (Miller & Chevalier Chartered)
Baby Boomers' Awareness of Disability Risks - Summary of Survey Findings, February 2008
Excerpt: "The AHIP survey finds that Baby Boomers substantially underestimate the risk of suffering a disabling injury or illness. Just over a third (34%) of Baby Boomers think the chances are 5% or less that a typical working adult will become disabled due to illness or injury over the course of his or her working life causing him/her to miss three or more months of work. A slight majority of Baby Boomers (51%) think the chances that a typical working adult will become disabled are 10% or less." (America’s Health Insurance Plans)
[Guidance Overview] Rev. Rul. 96-7 - Mortality Tables Continue to Apply to Calculate Certain Benefits
Excerpt: "The mortality tables contained in Rev. Rul. 96-7, 1996-1 CB 59, will continue to apply in determining present values (for purposes of determining minimum funding levels) with respect to individuals who are entitled to benefits under a qualified defined benefit plan on account of disability." (CCH Incorporated)
[Official Guidance] Text of IRS Notice 2008-29: Mortality Tables for Benefits to Disabled DB Plan Participants (PDF)
3 pages. Excerpt: "This notice provides guidance regarding the mortality tables that are permitted to be used to determine present values with respect to individuals who are entitled to benefits under a qualified defined benefit pension plan on account of disability. This notice reflects changes to the minimum funding requirements made by the Pension Protection Act of 2006, Pub. L. 109-280 (PPA '06). . . . Until further guidance is issued, the rules of Rev. Rul. 96-7 (including the mortality tables set forth in Rev. Rul. 96-7 as well as the rules regarding the determination of whether a benefit is payable on account of disability) apply under §§ 430(h)(3)(D) and 431(c)(6)(D)(v)." (Internal Revenue Service)
[Guidance Overview] Uncertainty Attends Benefit Claims Review on the Eve of MetLife Decision
Excerpt: "As the date approaches on which the Supreme Court will hand down a decision as to the proper standard of review in conflict of interests cases, judges and litigants alike will be increasingly affected by a potential change in the governing legal principles." (Health Plan Law blog by Attorney Roy F. Harmon III)
[Opinion] American Benefits Council Amicus Brief in MetLife v. Glenn - On Writ of Certiorari to the U.S. Supreme Court (PDF)
33 pages. In support of Petitioners, METROPOLITAN LIFE INSURANCE COMPANY AND LONG TERM DISABILITY PLAN FOR ASSOCIATES OF SEARS, ROEBUCK AND COMPANY (American Benefits Council)
LTD Plan's Demand of Objective Proof of Migraines Is Not Wrong, According to Court
Excerpt: "The U.S. District Court for the Middle District of Florida has determined a long-term disability plan administrator was not wrong in requiring objective proof a participant suffered debilitating migraines that made her eligible for plan benefits." (PLANSPONSOR.com; free registration required)
EEOC Issues Guides on Injured Vets' Workplace Issues
Excerpt: "The U.S. Equal Employment Opportunity Commission (EEOC) on Friday issued two question-and-answer (Q&A) guides providing technical assistance for employers and veterans on workplace issues affecting veterans with service-connected disabilities." (PLANSPONSOR.com; free registration required)
[Guidance Overview] Guide for Employers on Veterans with Service-Connected Disabilities and the Americans with Disabilities Act
Excerpt: "This guide briefly explains how protections for veterans with service-connected disabilities differ under USERRA and the ADA, and then describes how the ADA in particular applies to recruiting, hiring, and accommodating veterans with service-connected disabilities." (U.S. Equal Employment Opportunity Commission)
[Guidance Overview] Q&A Guide for Veterans with Service-Connected Disabilities in the Workplace and on the Americans with Disabilities Act
Excerpt: "This guide answers questions that veterans with service-connected disabilities may have about the protections they are entitled to when they seek to return to their former jobs or look to find their first, or new, civilian jobs. It also explains changes or adjustments that veterans may need, because of their injuries, to apply for, or perform, a job, or to enjoy equal access to the workplace. Finally, this guide includes resources on where veterans can find more information about the employment rights of individuals with disabilities." (U.S. Equal Employment Opportunity Commission)
The Corporate Response to Deployment and Reintegration - Highlighting Best Practices (PDF)
8 pages. Excerpt: "The Disability Management Employer Coalition (DMEC) convened its 2007 Workplace Warrior Think Tank to discuss the scope of challenges and opportunities around returning employees and to identify employer-based resources and strategies. As Think Tank participants discussed, to successfully reintegrate employees, companies must understand the range and magnitude of the challenges and identify resources (both government and their own) that are available." (Disability Management Employer Coalition)
[Guidance Overview] Letter Stating That Participant Wished to Appeal Benefit Denial Should Have Been Treated as an Appeal
Excerpt: "Three weeks before the deadline, the participant's attorney sent the insurer a letter stating, among other things, that the participant 'wishes to appeal' the decision and requesting certain documents and information. The insurer replied with a letter that gave the participant an additional 40 days to submit a 'complete appeal.'" (Employee Benefits Institute of America)
[Opinion] Text of ERIC Comments on DOL Prop. Regs on Fee Disclosure for Services Provided to ERISA Plans (PDF) (PDF)
8 pages. (ERISA Industry Committee; Profit Sharing/401(k) Council of America; Others)
[Guidance Overview] DOL Explains Duty of ERISA Fiduciaries to Collect Delinquent Contributions
Excerpt: "Outlining the interrelationship of ERISA §§ 402 through 405, the Department of Labor explained the basis by which a fiduciary is obligated to collect delinquent contributions, even where the fiduciary is a directed trustee not responsible under the trust document for monitoring or collecting contributions. U.S. Department of Labor Field Assistance Bulletin (FAB) No. 2008- 01 (February 1, 2008)." (Deloitte)
Employee Benefits Menu Boosted by Mix of Voluntary Options
Excerpt: "More U.S. employers are offering voluntary benefits to their employees for two main reasons: the growing cost of health care, which has led employers to shift costs to voluntary benefits, and the desire to attract and retain employees, experts say." (Workforce Management)
As Paid Benefits Shrink, Businesses Boost Menu of Voluntary Offerings
Excerpt: "Companies rolling out a bevy of benefits, including pet insurance and cheap PCs." (Financial Week)
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