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Health & Welfare Plans Newsletter

November 4, 2010

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No matter how benefits-savvy your employees may be, today's health care environment can confuse the most sophisticated consumer. That's why companies large and small use BeneCom for their benefits communication. We know benefits and we understand what employees need to know to make them work - for themselves and for you. And while we're at it, we make your life a little easier, too.

For more information visit our site or call (860) 674-2626, Ext. 2001

[Guidance Overview]
Fully Insured Group Health Plans May No Longer Provide Discriminatory Benefits
Excerpt: "This prohibition is implicated in situations as varied as: (i) coverage provided only to management; (ii) management paying a lower premium or receiving benefits in addition to those provided to staff; and (iii) special post-termination continuation coverage provided to management."
(Jones Day)

[Guidance Overview]
Timeline of Health Insurance Reform (PDF)
3 pages. Excerpt: "While several of the changes will be effective in 2011, most of the changes in the law won't take effect until 2014. The provisions with delayed effective dates will be clarified in future regulations and some of the provisions may be changed or repealed before they become effective."
(Fisher & Phillips LLP)

Voters Weigh in on Health Care Mandate
Excerpt: "Business Insurance reports that Arizona Proposition 106, approved by about 55% of voters, would amend the state constitution to bar requirements that would force state residents to participate in a health care plan."

New Ways to Manage Retiree Benefits
Excerpt: "Milliman offers a four-step strategy for managing GASB 45 sticker shock."

Health Care Reform and Collective Bargaining: Mid-Term and Long-Term Strategies for Bargaining over the Impact of the PPACA on Employers
Excerpt: "[I]t generally will not be in the best interests of an employer to lock into any health care option for 2014 during collective bargaining that takes place in 2011/12."
(Littler Mendelson P.C.)

Revised Application and Instructions for ERRP Program; Must Be Used for Applications Submitted After November 9
Excerpt: "In order to streamline the application process, the U.S. Department of Health & Human Services . . . on November 2, 2010, published a revised application for the Early Retiree Reinsurance Program . . ., along with corresponding revised instructions for completing the application. HHS also published a revised 'Dos and Don'ts' document for completing and submitting the revised application."
(International Foundation of Employee Benefit Plans)

Consumer Driven Health Plan Growth Slows as Enrollments Decline
Excerpt: "[Consumer driven health plans] no longer cover more employees (12.4%) than HMO plans (15.4%) . . . ."
(Wolters Kluwer)

Promise of Renewed Battle Over Reach of Health Care
Excerpt: "While Republicans cannot fulfill their campaign promise to repeal the new health care law any time soon, they can lead Congress in a sweeping re-examination of its more unpopular provisions, including new taxes and a requirement for most Americans to carry health insurance."
(The New York Times; free registration required)

An employer writes:

"I have to tell you that of all the job boards Iíve ever used, this one has the best quality of candidates. I donít get flooded with tons of resumes, and even the candidates who arenít fit for the jobs we have donít miss the mark by much."

Benefits in General; Executive Compensation

[Guidance Overview]
Compensation Committee Governance in an Era of Increased Public Scrutiny
Excerpt: "Covered financial institutions face a requirement for enhanced disclosure to federal regulators and reporting of incentive compensation arrangements that could lead to material financial loss to the institution."
(Pillsbury Winthrop Shaw Pittman LLP)

2010 Election Guide (PDF)
139 pages. This is a comprehensive guide that summarizes the 2010 election results and their impact on the 112th Congress, which will convene in January.
(K&L Gates LLP)

Controversial Measure to Require San Francisco City Employees to Pay More for Pension and Health Benefits Rejected
Excerpt: "Supporters of Proposition B called it a modest measure to begin to address the city's spiraling pension and health care costs for its 26,000 employees and 28,000 retirees."
(San Francisco Chronicle)

Webcasts and Conferences

Retirement Plan Issues Workshop with Rich Hochman in San Francisco Bay Area
in California on November 11, 2010
presented by National Institute of Pension Administrators - San Francisco Bay Area Chapter

True Health Care Reform Through Innovation
Nationwide on November 9, 2010
presented by Mercer

Press Releases

Newly Posted Employee Benefits Jobs

Funding and Retirement Plan Specialist
for BeneTrends, Inc.
in PA

Voluntary Benefits Specialist
for Publix Super Markets, Inc.
in FL

Voluntary Benefits Support Specialist
for Northwestern Benefit Corporation of Georgia
in GA

Vice President, Non-Qualified Administration
for The Newport Group
in FL

Client Communications Consultant
for The Newport Group
in FL

Retirement Plan Administrator
for Retirement Planners

Retirement Specialist
for St. Mary's Duluth Clinic Health System
in MN

Bilingual Retirement Consultant - Manassas, VA- IRC23451
for Lincoln Financial Group
in DC, VA

Regional Director - Client Relationship Management
for Lincoln Financial Group

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