Institutional Sales Advisor - Financial Advisor
for Mercer Advisors in PA

Health Plan Analyst
for UNITE HERE HEALTH in IL

Defined Benefit Plan Administrator
for Consulting Actuaries Incorporated in NJ

Retirement Services Manager
for CUNA Mutual Group in

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401(k) Rekon Advisor Symposium- Atlanta
in Georgia on November 3, 2011 presented by 401(k) Rekon

401(k) Rekon Advisor Symposium- Austin
in Texas on November 1, 2011 presented by 401(k) Rekon

401(k) Rekon Advisor Symposium- Oak Brook
in Illinois on November 3, 2011 presented by 401k Rekon

Building the Exchanges: Seeking the Right Roadmap
Nationwide on October 27, 2011 presented by MCOL

Four-Page Summary Guidance: Getting Ready for 2012 Implementation
Nationwide on October 5, 2011 presented by Thomson Reuters / EBIA

Medical Home Summit Web Summit
Nationwide on November 3, 2011 presented by MCOL

Rekon Road Show- Houston
in Texas on November 2, 2011 presented by 401(k) Rekon

Using Member Evaluations to Stay Compliant
Nationwide on November 8, 2011 presented by MCOL

A Roundup of Recent Health Reform Developments (PDF)
The bulletin covers recent developments first by a summary, then through a discussion, and, finally, action items. (Milliman, Inc.)

2nd Annual Executive Forum on Creating a Culture of Health   [Advert.]

Employee Benefits professionals clearly recognize the benefits of health and wellness programs. Learn how to obtain the maximum value from these initiatives by shifting organizational norms and behaviors to a Culture of Health.

Health Care Reform: 2012 and Beyond (PDF)
"A guide to the major provisions of health care reform legislation affecting employers in 2012 and 2013 and a timeline of the reforms to be introduced through 2018." (Groom Law Group)

New Site Lets Consumers Monitor Health Insurance Rate Hikes
"Beginning Thursday, consumers across the country can click their state on a federal Web page to see if a health insurer has raised its rates, as well as the company's reason for doing so." (USA TODAY)

San Francisco Board Proposal Aims to Close Health Care Funding Loophole
"[The Board] tentatively approved on a 6-5 vote a proposal by Supervisor David Campos that would require [health reimbursement arrangement] funds remaining at the end of the year to be automatically rolled over to be used the next year. Terminating employees would have access to the funds for 18 months." (Business Insurance)

The Essential Work of Defining Essential Healthcare Benefits
"The ACA specifies 10 broad categories of medical care for which essential benefits must be defined: ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, prescription drugs, rehabilitative and habilitative services and devices, lab services, preventive and wellness services and chronic disease management, and pediatric services, including oral and vision care." (HealthLeaders Media)

Panel Says U.S. Should Weigh Cost in Deciding 'Essential Health Benefits'
"In a new report, the academy's Institute of Medicine does not list specific services that should be covered. Rather, it tells the [HHS] secretary how to define the minimum benefits." (The New York Times; free registration required)

Advisory Panel Says Essential Health Benefits Package Must Be Affordable
"In a 297-page report, the Institute of Medicine, a federal advisory panel, laid out criteria and methods [HHS] should use in developing the package. But, as expected, the report left to HHS the job of deciding specific benefits." (The Henry J. Kaiser Family Foundation)

Containing the Growth of Spending in U.S. Health System
"In this paper we review data on health care spending growth and the reasons for the persistent high rates of growth. We discuss the cost containment provisions that are incorporated into the Affordable Care Act." (Urban Institute)

New California Law Requires More Options for Payment of Life Insurance Proceeds
"Previously, California law permitted life insurers to limit beneficiaries' option for receipt of payment to Retained Asset Accounts ('RAA'). . . . SB 599 emphasizes 'lump sum' payments over payment through RAAs." (SNR Denton)

Just Over Two Years from Now, Major Provisions of Health Care Reform Kick In: Will Your Company Be Ready?
"[M]ajor provisions such as penalties for not covering full-time employees and the creation of public and private health insurance exchanges to broker coverage will take effect in 2014. So employers and benefits managers will soon need to make strategic decisions including whether to offer health care at all." (Workplace Management: free registration required)

Health Insurance Premiums Jump 9 Percent for Family Coverage.
"About 1.5 percent of that increase is attributable to expanded access to health care for dependents under age 26 and other features of the federal health care law; the remainder reflects rising costs and perhaps an effort by insurers to front-run future premium controls." (Governing)

American Academy of Actuaries Comments on Proposed Rule for Establishment of Exchanges and Qualified Health Plans (PDF)
"The introduction of health insurance exchanges creates, in effect, two health insurance markets-one inside and one outside the exchange. Consistency between these two markets is highly recommended. Significant differences in regulations, benefit mandates, plan designs, and other requirements create the potential for adverse selection and an anti-competitive business environment." (American Academy of Actuaries)

Most Large Health Plans Fall Short on Quality
"The big health insurers that are dominating most of the markets fall short on NCQA quality standards, except for Kaiser Permanente. No surprise. What is surprising is that we continue to tolerate this mediocrity merely because an improved Medicare for all is not politically feasible. How about changing the politics?" (Physicians for a National Health Program)

New FASB Disclosure Rules for Employers Participating in Multiemployer Plans (PDF)
"On September 21, 2011, FASB issued Accounting Standards Update 2011–09 applicable to nongovernmental employers that participate in multiemployer pension and other postretirement benefit plans. The revised accounting rules will require enhanced disclosures relating to an employer's participation in a multiemployer pension plan, but more limited disclosures for multiemployer plans that provide postretirement benefits other than pensions." (Buck Consultants, LLC)

More Shareholders Planning To Vote No on Executive Pay in 2012
"Shareholders will be more willing to vote down executive compensation plans during say-on-pay votes next year, says Robin Ferracone, chairman of executive compensation consulting firm Farient Advisors." (Haymarket Media Inc.)

Benefits Choices Matter for Millions of Americans during Open Enrollment Season
(Prudential Financial, Inc.)

Marsh & McLennan Companies Announces Intent to Sponsor a Retirement Policy Center
(Marsh & McLennan Companies, Inc. (MMC))

Armstrong Cuts Employee Benefits to Reward Executives
(United Steelworkers)

New Suite of Health Plans Helps Employers Lower Costs and Improve Employee Health
(Priority Health)