Defined Contrib Analyst II
for The Standard in OR

Retirement Specialist
for The Boon Group in TX

Employee Benefits Mgr
for The Standard in PA

Employee Benefits Mgr
for The Standard in GA

Retirement Plan Administrator
for Northeast Professional Planning Group in NJ

Director, Defined Contribution Product Management
for Prudential in NJ

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Is a Benefits Portal Right for Your Company?
Nationwide on February 16, 2012 presented by Lorman Education Services

Understanding Your Summary Plan Descriptions
Nationwide on February 10, 2012 presented by Lorman Education Services

Voluntary Fiduciary Correction Program Workshop
in California on January 26, 2012 presented by U.S. Department of Labor, Employee Benefits Security Administration (EBSA)

EBSA Publishes 2011 Form M-1 for Multiple Employer Welfare Arrangements
The 2011 Form M-1 is now available for online filing. The target page includes a link to the paper version of the form. (U.S. Employee Benefits Security Administration)

7th Annual Employer Health & Human Capital Congress   [Advert.]

Find solutions to empower improved health outcomes, restructure benefits to achieve cost sustainability and implement measurable wellness and benefit designs that stand up to CFO-scrutiny. February 7-9, Washington, DC

Two New Cafeteria Plan Requirements Begin Affecting Plans in 2013
"[P]lan administrators may need to start planning for these changes this year. The first is likely the most well-known: a new annual limit on employee contributions to health FSAs. The second may be more surprising: W-2 reporting of employer contributions to Health FSAs." (Wolters Kluwer Law & Business / ftwilliam.com)

Retiree Health Benefit Offerings Continue to Decrease
"The Benefits USA 2011/2012 survey results found 21.9% of companies offer supplemental retiree health coverage to retired employees. That's a slight dip from 22.9% reported in 2006. Employees are required to work an average of 12 years for their employer in order to qualify to receive this benefit upon retirement." (PLANSPONSOR.COM)

U.S. Seeks Rollback of a Health Insurer's 'Excessive' Rate Increase
"The administration did not release details of its calculations, but said that Trustmark was seeking rate increases of 13 percent in each of the five states. Combined with other rate changes in the last 12 months, it said, these proposals would result in rate increases averaging 27 percent in Alabama, 18 percent in Arizona and 15 percent in Pennsylvania." (The New York Times; free registration required)

'Public Option' Health Insurance Did Not Die; Thrives in California
"The much celebrated, and much maligned, public option may have died in Congress, but it's alive and well in California. Unique in the nation for having public health insurance plans that are run by counties, California has plans that stretch from San Francisco to the Mexican border and cover 2.5 mil.lion residents." (Henry J. Kaiser Family Foundation)

Understanding Health Care Costs: The Employer-Sponsored Insurance System
"A new video looks at how the employer-sponsored health insurance system in the United States works — and how healthcare dollars flow into and out of that system." (Milliman, Inc.)

Eliminating the Individual Mandate Might Increase Health Insurance Premiums 25%
"The researchers found that without the individual mandate: Between 40 and 42 mil.lion would remain uninsured as opposed to 26 mil.lion with the mandate; Private coverage would fall 11 mil.lion, covering 4 mil.lion fewer people than it would have without reform; Uncompensated care spending would be much higher due to the increased number of uninsured; and Individual premiums in the health benefit exchanges would increase by 10 percent in a scenario assuming high exchange participation and by 25 percent with a low participation scenario." (Robert Wood Johnson Foundation)

Ohio Law Clarifies Ability of County Governments to Provide Wellness Programs for Employees
"Legislation signed . . . in late December clears up what some county prosecutors said was cloudy language regarding whether counties can create programs to combat obesity, high blood pressure, diabetes and heart disease." (The Columbus Dispatch)

The Shortcomings of Group LTD Plans
"Employers willingly providing any type of income protection plan to employees is of course worthy of applause. However, it's reasonable, make that imperative, that both employers and employees are informed of any shortcomings of their GLTD plan." (BenefitsPro)

2012 Reporting & Disclosure Calendar for Benefit Plans (PDF)
Sibson Consulting's 2012 Reporting & Disclosure Calendar for Benefit Plans summarizes compliance requirements for qualified, single employer benefit plans. An interactive version of this calendar is available at http://www.sibson.com/publications-and-resources/rd-calendar. (The Segal Group, Inc.)

Beware of Strategies to Take Advantage of Lower Social Security Tax Rates
"If the 4.2% rate is not extended for the whole year and you receive compensation income (e.g. salary, bonus, stock compensation) in January and February that exceeds $18,350 (a sixth of the Social Security wage base of $110,100), you face some type of recapture for the 2% lower rate." (myStockOptions.com)

Employee Benefits Security Administration Publishes 2011 Form M-1 for Multiple Employer Welfare Arrangements
(U.S. Department of Labor, Employee Benefits Security Administration (EBSA))

Excise Tax on High Cost Employer-Sponsored Health Coverage
(Lynchval Systems Worldwide Inc.)

Tegrit Technologies Expands Leadership Team to Meet Growing Demand
(Tegrit)