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May 9, 2006
Today's sponsor: ASPPA • Working for America's Retirement™

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Banner ad for ASPPA • Working for America's Retirement™

Don't miss the 2006 Western Benefits Conference!

The famed Bellagio Hotel is the site of this year's WBC, held July 16-19. Sponsored by the Western Pension & Benefits Conference and ASPPA, there are more than 50 educational sessions on retirement, health, welfare, fiduciary issues and more plus networking activities such as an exhibit hall, golf outing, Sunday reception and entertainment on Monday evening.

(Please visit our sponsors. We try to make sure their products and services will be of interest to you. Thanks! --Editor)

Transcript of Informal Discussion by Employee Benefits Practitioners on March 13, 2006
Excerpt: "The topic involved Health Savings Accounts (HSAs). Similar to IRAs, HSAs are tax-favored accounts that may be used by employees covered under high-deductible health plans (HDHPs) to pay for qualified medical expenses." (BNA Tax Management)

Health Insurance Expansion Efforts Draw Attention
Excerpt: "What has Massachusetts wrought with its new law saying anybody who wants to live in the state must have health insurance? It depends on who you talk to. In California, where a similar proposal cleared its first hurdle last month, some people say Massachusetts -- and maybe California -- is starting down the wrong path. Others say the Massachusetts plan is the beginning of a solution." (California HealthCare Foundation; one-time registration may be required)

Financial Incentives for Wellness: Showing Everyone the Money!
Excerpt: "One major obstacle HR professionals have had when it comes to implementing a wellness program with financial incentives for employees has been selling the program to top management." (Business & Legal Reports, Inc.)

Worktime Flexibility Needed in Modern Workplace
Excerpt: "As work hours stretch and employees bring work home, work during vacation and relinquish vacation time, Americans are paying the price in more health problems, more depression and less family time. This work-life mismatch hurts businesses, too, experts told attendees at a briefing ... organized by Workplace Flexibility 2010, a policy initiative focused on workplace flexibility." (BenefitNews Connect)

Court Awards over $90,000 in Statutory Penalties for Failure to Disclose COBRA Rights
Excerpt: "Awards of attorneys' fees and penalties are discretionary with the court, and this case serves as a reminder that an employer can incur significant liability for COBRA violations even if a qualified beneficiary's unpaid medical expenses are relatively minor. The case is also interesting because courts rarely award the maximum $110 per day statutory penalty." (Employee Benefits Institute of America Inc.)

HHS Publishes Brochure for Health Care Consumers Describing Privacy Rights and Complaint Process
Excerpt: "HHS has published a brochure containing a high-level summary of HIPAA privacy protections. Designed as a tri-fold handout and geared to health care consumers, the brochure explains how to file privacy complaints with the Office of Civil Rights (OCR), the arm of HHS charged with enforcing the privacy rules." (Employee Benefits Institute of America Inc.)

Urging Americans to Become Better 'Shoppers' for Health Care
Excerpt: "Get a high-deductible insurance plan. Open a health savings account. Call around and find the best deal on medical treatments, then pocket the savings. Sounds great: But just try it. Even as some employers, insurers and politicians tout consumerism in health care as the newest and best way to control rapidly rising medical inflation, it's still exceedingly difficult to be a medical care consumer.Most hospitals and doctors can't or won't quote a price for care." (USA TODAY)

Generosity and Adjusted Premiums in Job-Based Insurance: Hawaii Is Up, Wyoming Is Down
Excerpt: "This paper reports national and state findings on the generosity or actuarial value of U.S. employer-based plans and adjusted premiums in 2002. The basis for our calculations is simulated bill paying for a large standardized population. After adjusting for the quality of benefits, we find from regression analysis that adjusted premiums are 18 percent higher in the nation's smallest firms than in firms with 1,000 or more workers." (Health Affairs)

Health Care Headaches in America; Transcript of Show on Health Insurance Plans Bill, S. 1955
Excerpt: "The concern is that healthier, younger people will be drawn to cheaper plans with less coverage, more bare-bones. That will leave older, sicker people in plans that could cost them a lot more. Some states have rules designed to tightly control what people can be charged." (PBS-TV: NOW Program via The Foundation for Taxpayer and Consumer Rights)

6th Circuit Rejects Claim Plan Amendment Involving Limit on # of Therapy Visits Violates the ADA
Excerpt: "Under EEOC guidance, distinctions under a health plan that are not based on a disability and that apply equally to all covered employees do not discriminate on the basis of disability and so do not violate the ADA. Thus, an exclusion or limitation that casts a broad net, affecting both disabled and nondisabled individuals, will be permissible." (Employee Benefits Institute of America Inc.)

Overview: HHS Extends Sunset Date of Mental Health Parity Act Regulations to December 31, 2006
Excerpt: "HHS has amended its interim final regulations under the Mental Health Parity Act (MHPA) to extend the date on which the regulations cease to apply (the sunset date) from December 31, 2005 to December 31, 2006. The change makes the sunset date under the regulations consistent with the sunset date of the Public Health Service Act (PHSA)'s MHPA provisions, which was extended by legislation enacted at the end of 2005 ...." (Employee Benefits Institute of America Inc.)


Newly Posted Events
(Post Yours!)

Advanced IRA Seminar
in Missouri on June 6, 2006
presented by Wolters Kluwer Financial Services

Advanced IRA Seminar
in Illinois on June 6, 2006
presented by Wolters Kluwer Financial Services

Advanced IRA Seminar
in Indiana on June 6, 2006
presented by Wolters Kluwer Financial Services

Advanced IRA Seminar
in California on June 7, 2006
presented by Wolters Kluwer Financial Services

Advanced IRA Seminar
in Indiana on June 8, 2006
presented by Wolters Kluwer Financial Services

Advanced IRA Seminar
in Michigan on June 8, 2006
presented by Wolters Kluwer Financial Services

Advanced IRA Seminar
in California on June 8, 2006
presented by Wolters Kluwer Financial Services

Advanced IRA Seminar
in Nebraska on June 13, 2006
presented by Wolters Kluwer Financial Services

Advanced IRA Seminar
in Kentucky on June 14, 2006
presented by Wolters Kluwer Financial Services

Advanced IRA Seminar
in Tennessee on June 14, 2006
presented by Wolters Kluwer Financial Services

Advanced IRA Seminar
in Illinois on June 15, 2006
presented by Wolters Kluwer Financial Services

Advanced IRA Seminar
in Ohio on June 15, 2006
presented by Wolters Kluwer Financial Services

Advanced IRA Seminar
in Minnesota on June 15, 2006
presented by Wolters Kluwer Financial Services

Beginner IRA Seminar
in California on June 6, 2006
presented by Wolters Kluwer Financial Services

Beginner IRA Seminar
in Wisconsin on June 7, 2006
presented by Wolters Kluwer Financial Services

Beginner IRA Seminar
in California on June 7, 2006
presented by Wolters Kluwer Financial Services

Beginner IRA Seminar
in Missouri on June 7, 2006
presented by Wolters Kluwer Financial Services

Beginner IRA Seminar
in California on June 8, 2006
presented by Wolters Kluwer Financial Services

Beginner IRA Seminar
in Tennessee on June 13, 2006
presented by Wolters Kluwer Financial Services

Beginner IRA Seminar
in West Virginia on June 13, 2006
presented by Wolters Kluwer Financial Services

Beginner IRA Seminar
in Kentucky on June 13, 2006
presented by Wolters Kluwer Financial Services

Beginner IRA Seminar
in Virginia on June 14, 2006
presented by Wolters Kluwer Financial Services

Beginner IRA Seminar
in Minnesota on June 14, 2006
presented by Wolters Kluwer Financial Services

Beginner IRA Seminar
in New York on June 15, 2006
presented by Wolters Kluwer Financial Services

ERISA Litigation Forum Teleconference: The "Serious Consideration" Doctrine and Related Case Law
Nationwide on June 6, 2006
presented by Paul, Hastings, Janofsky & Walker LLP

FMLA Update (Two Day Program - Seminar Plus Workshop)
Nationwide on May 22, 2006
presented by HRTrainingCenter.com

Improving Benefit ROI: Making Value Count Through Communication Teleweb
Nationwide on May 22, 2006
presented by International Foundation of Employee Benefit Plans

Key COBRA Court Cases - What You Can Learn From The Mistakes Of Others
Nationwide on May 18, 2006
presented by HRTrainingCenter.com

Plan Investment Fees and Costs: What You Don't Know!
in Ohio on May 18, 2006
presented by WEB (Worldwide Employee Benefits Network) Cleveland Chapter

To H.S.A. or Not to H.S.A. - What is the Alternative?
in Washington on May 12, 2006
presented by International Society of CEBS - Pacific NW Chapter

Welfare Plan 5500 Filing
Nationwide on June 1, 2006
presented by SunGard Corbel

Will You Have a Life During Rev. Proc. 2005-66?
in Ohio on May 30, 2006
presented by ASPPA Benefits Council of Greater Cincinnati


Newly Posted Press Releases
(Post Yours!)

J.C. Penney and J.B. Hunt Win Best of Class Benefits Solution Awards for Retirement and Health Benefits Best Practices
(SouthWest Benefits Association)

White Horse Advisors Hires New Team Member
(White Horse Advisors, LLC)

NASDAQ Provides Listed Companies With Access to Executive and Board Member Compensation Data and Information
(NASDAQ)


Newly Posted or Renewed Job Openings
Post a Help Wanted Ad

Sr. Strategic Planning Consultant
for Transamerica
in CA

Plan Administrator
for The Newport Group, Inc. (Lake Mary/Orlando, FL location)
in FL

Wanted: Employee Benefits Broker
for Boutique Benefits Firm for New York Metro Area
in NJ

Account Executive - Client Relationship Development
for Diversified Investment Advisors
in TX

Retirement Analyst - Retirement Service Center
for Mercer Human Resource Consulting
in KY

Retirement Service Center Team Leader
for Mercer Human Resource Consulting
in KY

Relationship Manager
for New York Life Investment Management LLC
in MA

Compliance Analyst
for New York Life Investment Management LLC
in MA

Retirement Sales Consultant
for New York Life Investment Management LLC
in MA

Associate Consultant - Retirement Practice
for The Bostonian Group
in MA

Defined Contribution Pension Plan Administrator
for Suburban Philadelphia Retirement Administrator/Consulting Firm
in PA

Compliance Manager
for Associated Pension Consultants
in CA

Financial / Investment Specialist (PART-TIME)
for Diversified Investment Advisors
in AL

Defined Contribution Consultant
for LAR Pensions, LLC
in CT




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