Part Time On Call Participant Counselor
for Diversified in DC, FL, HI, MI, OH, TX

Assistant Director, Sales-Stable Value
for Prudential in NJ

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401(k) Sales Champion Workshop: Grow Plan Referrals from Financial Advisers
Nationwide on February 28, 2012 presented by National Institute of Pension Administrators

Free Webcast for Small Businesses on Retirement Savings Options
Nationwide on February 23, 2012 presented by U.S. Department of Labor, Employee Benefits Security Administration (EBSA)

Health Benefits Laws Compliance Assistance Seminar
in Arkansas on March 21, 2012 presented by U.S. Department of Labor, Employee Benefits Security Administration (EBSA)

The Affordable Care Act: Increasing Transparency, Protecting Consumers
"The Affordable Care Act includes new patient protections that give you greater control over the care you receive, as well as new resources to make the health care system more transparent and competitive. These developments will help ensure that you have the information to make smart decisions and assure you that you are receiving a better value for your health care dollars." (HealthCare.gov)

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Final Summary of Benefits and Coverage Rules, New FAQs on Pay or Play and Changes to Contraceptive Rules
"[As shown in the chart, the] final regulations recognize that account-based arrangements, such as health flexible spending arrangements ('Health FSAs'), health reimbursement arrangements ('HRAs') and health savings accounts ('HSAs') pose unique difficulties to summarize through an SBC. In addition, the regulations provide special rules for excepted benefits, such as many dental and vision plans." (Quarles & Brady LLP)

Agencies Issue Final Rule Regarding Summary of Benefits and Coverage
"Compliance with these disclosure requirements will impose new administrative burdens and costs on plans and issuers. The materials and information in the guidance document are to be used for the first year of applicability only. The agencies state that they will issue updated materials next year. Therefore, plans and issuers should recognize that these requirements are likely to evolve over time as the regulations, guidance and templates change." (Littler)

Summary of Benefits and Coverage Disclosure Requirements
"In preparing this documentation, plan sponsors should take note of any offered health flexible spending arrangements, HRAs, HSAs or other potential excepted benefits that may be excused from these requirements." (McDermott Will & Emery)

Employee Benefits Update: Select Compliance Deadlines and Reminders (PDF)
Topics include: EBSA Issues HIPAA Compliance Form M-1 for MEWAs; Meeting Your Fiduciary Duties Under the New Fee Disclosure Regulations; Some Fiscal Year Plans Now Affected by PPACA's 2013 Health FSA Deferral Limit. (Reinhart Boerner Van Deuren s.c.)

9th Annual World Health Care Congress: Strategy, Innovation and Execution   [Advert.]

The 9th Annual World Health Care Congress, April 16-18 in Washington, DC. Register now, save $300 with code RDR697. To register, call 800-767-9499 or learn more at www.worldhealthcarecongress.com.

Grant Thornton Guide to Form W-2 Reporting of Group Health Insurance Cost
"To help you get started, Grant Thornton has prepared questions and answers organized in the following categories: Employers exempt from the reporting requirement; Commencement of reporting; Types of coverage to report; Amount to report; Reporting for terminated employees and other employee situations; Special situations: Common paymasters, acquisitions during the year; Procedural details: Where on Form W-2 to report the cost of group health insurance coverage, Form W-3 considerations; Questions your employees may ask" (Grant Thornton)

The Effect of the Affordable Care Act on Enrollment and Premiums, with and Without the Individual Mandate (PDF)
"[W]e find only modest evidence of adverse selection when the mandate is eliminated. Compared with the mandate case, premiums in the individual exchanges are 2.4 percent higher when the mandate is eliminated. Although this finding reflects adverse selection, we do not predict a 'death spiral' or an extreme increase in premiums as a result of eliminating the mandate." (RAND Corporation)

Birth Control Compromise Still Presents Grave Moral Concerns to Catholic Church
"The administration's proposal continues to involve needless government intrusion in the internal governance of religious institutions, particularly in the definition of who is and who is not a religious employer." (The Washington Post; free registration required)

Clergy to Congress: Administration's Changes to Handling of Birth Control Coverage Mandate Aren't Enough
"Lutheran and Baptist clergymen and an Orthodox rabbi joined a Roman Catholic bishop in telling lawmakers that Mr. Obama's latest policy of shifting the responsibility for paying for the contraceptives from religious institutions to their health insurers was unworkable and did not allay concerns about government entanglement with religion." (The New York Times; free registration required)

Video/transcript: Analyzing the Likely High Court Arguments on the Health Law
"[In an] analysis of the Supreme Court's upcoming decision on the health law, Stuart Taylor talks with Jackie Judd about the arguments each side is likely to make defending or against the individual mandate and the Medicaid expansion." (Kaiser Health News)

$223m in Medical Loss Ratio Rebates Expected in First Year
"Also, insurers will be providing consumers with information on how the companies spent their premium dollars, for example how much went to medical care versus 'administrative expenses like marketing and advertising and underwriting, salaries and bonuses.'" (HealthLeaders Media)

Consumers Driving Health Care: New Research Shows Balances Soared Over the Last Half-Decade
"A new report shows that just last year, Americans socked away a whopping $12.4 bil.lion in 8.4 mil.lion health savings and reimbursement accounts last year. That's up from 1.3 mil.lion accounts full of $873.4 mil.lion in assets just five years ago." (BenefitsPro)

Fewer People Get Health Insurance at Work
"The percentage of Americans who received health insurance from an employer dropped in 2011, according to a Gallup poll.... That's partly because of people losing their jobs, but ... [e]ven Americans who were still working in 2011 — in both full- and part-time jobs — were less likely to get insurance from their employer." (MedPage Today)

Wellness Programs and In-House Care: How Hospitals Can Lower Employee Health Coverage Costs
"Hospitals, under unprecedented pressure to control costs, are taking a hard look at their escalating budgets for employee health care benefits, which have been rising faster than in most other industries." (Towers Watson)

U.S. Healthcare Costs Show Broad Increases in December
"Looking back over the past three years, while there were differences across types of coverage, we generally witnessed the annual rates of change in healthcare costs accelerating from the beginning of 2009 and peaking around May of 2010.... We appear to be entering 2012 witnessing a renewed acceleration in healthcare costs." (Milliman)

Employer-Sponsored Insurance on Downward Trend
"Employer-sponsored insurance continues its declining trend during the last few years, as fewer than half of Americans received their health insurance from an employer in 2011. (FierceHealthPayer)

Employer and Worker Contributions to Health Savings Accounts and Health Reimbursement Arrangements, 2006–2011 (PDF)
"This report presents findings from the 2011 EBRI/MGA Consumer Engagement in Health Care Survey, as well as earlier surveys,... It also looks at employer and individual contribution behavior. [A]mong those with an employer contribution, overall contribution levels have fallen.... Individuals with employee-only coverage increased their contribution levels, but those with family coverage did not." (Employee Benefit Research Institute)

Fact Sheet: President Obama's Budget Expands, Simplifies Small Business Health Care Tax Credits
"President Obama has called for expanding and simplifying the Small Business Health Care Tax Credit.... [T]he tax credit would benefit nearly half a mil.lion employers who provide insurance to four mil.lion workers. Over the next ten years, the proposal would provide an additional $14 bil.lion in tax credits. For a particular business, these changes could mean a tax cut of tens of thousands of dollars." (The White House)

Cigna Choice Fund Consumer-Driven Health Plans Experience Study (PDF)
"Over five years, Choice Fund plans could save up to $9,700 more per employee when compared to traditional plans." (Cigna)

Paid Sick Days for New York City Workers Would Lower Health Care Costs by Reducing Unnecessary Emergency Department Visits
"In New York City, 50 percent of working New Yorkers, or approximately 1,580,000 employees, lack access to paid sick days. This fact sheet reports findings from research by the Institute for Women's Policy Research (IWPR) on how increased access to paid sick days would improve both access to health care and health outcomes in New York City. The research also quantifies the savings gained by providing access to paid sick days to all workers, thereby preventing some emergency department visits in New York City." (Institute for Women's Policy Research)

The Great State Experiment with Market Reforms and No Mandate = Higher Premiums, Coverage Disruption, and Loss of Choice
"While the Rand study says repealing the mandate 'would not send premiums into a 'death spiral'', experience in eight different states that have tried enacting market reforms similar to those in the ACA without a mandate have shown dramatically different results." (America's Health Insurance Plans)

The Options for Payment Reform in U.S. Health Care
"It is ... not surprising that 'payment reform' has become the new battle cry in the United States, as the nation seeks better control over the annual increases in health spending per capita. So, what choices do policy makers have in payment reform?" (The New York Times; free registration required)

California Ban on Same-S.ex Marriage Violates U.S. Constitution
"The Ninth Circuit's decision will not have an immediate effect in California, as it remains stayed while proponents of Proposition 8 consider their appeal options (including a request to the U.S. Supreme Court to hear the case). In addition, given the pains the court took to limit its ruling, the decision may not have direct applicability to existing laws in the other eight states in the Ninth Circuit." (Thomson Reuters/EBIA)

New Jersey Lawmakers Allow G.ay Marriage, But Veto Is Likely
"So far, seven US states — Connecticut, Iowa, Massachusetts, New Hampshire, New York, Vermont and Washington — and the District of Columbia have legalized same-s.ex marriages." (Yahoo! News)

Great-West Retirement Services Expands National Sales Efforts; Hires Regional Sales Director For Michigan
(Great-West Retirement Services)

Mutual of Omaha Appoints Industry Veteran as 401k VP
(Mutual of Omaha)

Industry Thought Leaders and Influencers Collaborate to Promote Healthy Workforce
(International Foundation of Employee Benefit Plans)

DST Rolls Out New Retirement Income Clearing Calculator
(DST Retirement Solutions)

Rekon Intelligence Introduces the 401(k) Business Development Symposium, Exclusively for TPAs and their Financial Advisors
(401k Rekon)

ING Encourages Americans to View their Big Picture in Support of America Saves Week 2012
(ING Retirement)