Health & Welfare Plans Newsletter

February 3, 2017

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Employee Benefits Jobs

Client Consultant
Unified Trust Company, N.A.
in KY

Benefit Consultant
Unified Trust Company, N.A.
in KY, Telecommute

Retirement Plan Specialist
Transamerica
in CO

Individual Savings Counselor
Transamerica
in CO

Internal Wholesaler
Transamerica
in CO

Senior Counsel - Benefits (0201)
University of California Office of the President
in CA

Pension Secretary (Call Center)
IUPAT Industry Pension Fund
in MD

Pension Plan Administrator
TPA Firm
in NJ

Institutional Retirement Consultant
Unified Trust Company, N.A.
Telecommute

Internal Consultant
Unified Trust Company, N.A.
in KY

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Webcasts and Conferences

Fiduciary Best Practices Ė Will Your Plan Hold Up to a Compliance Review or Audit?
February 16, 2017 in CA
Western Pension & Benefits Council - Orange County Chapter

Missing Participants and the DOLís Current Crusade
February 23, 2017 in PA
Morgan Lewis & Bockius LLP

Retirement Plans: Steering the Fiduciary Ship
March 2, 2017 in IL
Morgan Lewis & Bockius LLP

HIPAA Privacy & Security: Take-Aways from the Latest Guidance, Penalties, and Enforcement Actions
April 4, 2017 WEBCAST
HRWebAdvisor

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How Does an Employer Comply with HIPAA's Privacy Rule When Reporting Health Plan Enrollment Information on Form 1095-C?
"A number of technical requirements must be satisfied before these disclosures may be made by the health plan to the plan sponsor.... Information about offers of coverage to your employees should be available from your employment records (rather than your health plan). Because information in employment records generally is not PHI, reporting this information should not implicate HIPAA's privacy rule."
Thomson Reuters / EBIA

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Trustees and Administrators Institutes - Still Time to Register

Sponsored by International Foundation of Employee Benefit Plans [IFEBP]

Attend the Trustees and Administrators Institutes to receive timely, relevant and balanced education on the issues that face the benefits industry including the opioid crisis, the future of ACA and DOL audits. Register now.


Comparison Chart: Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and Health Reimbursement Accounts (HRAs) (PDF)
Chart addresses contribution limits, portability, eligible expenses, substantiation, and other requirements.
Acclaris

Health Savings Account Not Exempt in Georgia Bankruptcy
"[The U.S. Court of Appeals for the Eleventh Circuit] based its opinion on a ruling by the Supreme Court of Georgia, to which the circuit previously certified the question interpreting Georgia's exemption statutes regarding health savings accounts, or HSA's." [Mooney v. Webster (In re Mooney), No. 15-11229 (11th Cir. Jan. 27, 2017)]
Bloomberg BNA

Maternity, Paternity Leave Rates in the U.S. Remain Low
"Laws mandating paid leave in four states and an expanding national economy have had no impact on the proportion of working women who take maternity leave, which remains at about 678 per 10,000 births[.]"
Reuters

Key Lessons to Be Learned from $3.2 Million HIPAA Penalty
"[T]he Final Decision drives home the importance of: [1] Proper encryption and other security and access controls of devices and systems containing ePHI; and [2] Proper documentation of risk assessments, audits, breach investigations and other events, compliance analysis and conclusions taken in response, and corrective actions selected and implemented in response to these events.... [The penalty amount also illustrates] the importance of proper behavior in response to a known or suspected breach."
Solutions Law Press

[Advert.]

Understanding the Math of Your Health Plan Renewal

Sponsored by Lorman and BenefitsLink

Feb. 27 webinar. Understand concepts and terminology in your health insurance renewal to identify inefficiencies and design and build successful strategies that can have both short and long term cost savings.


Voters Favor Repeal of 'Cadillac Tax' by 2-to-1 Margin
26 presentation slides. "Among voters with an opinion on the Cadillac Tax, those favoring repeal (71%) far outweigh those favoring implementation (29%). The argument to repeal the Cadillac tax is stronger for majorities of voters regardless of partisanship and voters say the best potential outcomes are the least likely to actually happen."
American Benefits Council

Regulation of Narrow Networks: With Federal Protections in Jeopardy, State Approaches Take on Added Significance
"People have picked narrow network plans over broader options with increasing frequency and surveys show they tend to be satisfied with their choices.... [T]here is some evidence to suggest that these plans have performed just as well as those that offer access to a broader range of providers.... [C]onsumers don't always have reliable information to help them decide whether the network they are buying is likely to meet their needs."
The Commonwealth Fund

House Committee Weighs First Obamacare Replacement Bills
"The Energy and Commerce Health Subcommittee discussed drafts of four bills which each address piecemeal issues within the larger [ACA], including how to deal with people who have pre-existing health conditions, how much more to charge seniors compared to young people, and how to spur people to keep continuous coverage throughout their lives.... Three of the four bills ... had been introduced in previous years."
Morning Consult

Employers Fret Job-Based Coverage Vulnerable to Fallout from Obamacare Overhaul
"Employer-sponsored medical plans still cover more Americans than any other type, typically with greater benefits and lower out-of-pocket expense. Recent cost increases for job-based coverage have been a tiny fraction of those for Obamacare plans for individuals.... One tempting solution for Republicans, big business worries, is to limit the exemption from income and payroll taxes that job-based coverage has enjoyed for decades."
Kaiser Health News

[Opinion]

HSAs: 'Tax-Break Trifecta' or Insurance Gimmick Benefiting the Wealthy?
"Several proposals ... would increase HSA contribution limits. Ryan's plan would allow the tax-free contributions to total as much as the insurance plan's annual deductible and out-of-pocket maximum. For families, that could be more than $14,000 a year. Sen. Rand Paul's, R-Ky., Obamacare Replacement Act would get rid of the upper limit on contributions entirely. It would also allow the accounts to be coupled with any type of insurance, not just high-deductible plans."
Kaiser Health News

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BenefitsLink Health & Welfare Plans Newsletter, ISSN no. 1536-9595. Copyright 2017 BenefitsLink.com, Inc. All materials contained in this newsletter are protected by United States copyright law and may not be reproduced, distributed, transmitted, displayed, published or broadcast without the prior written permission of BenefitsLink.com, Inc., or in the case of third party materials, the owner of those materials. You may not alter or remove any trademark, copyright or other notices from copies of the content.

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