Legal - Counsel
for Great-West Life & Annuity in CO

Senior Defined Benefit Calculation Analyst
for Diversified in MA

Conversion Project Manager
for Sentinel Benefits & Financial Group in MA

Client Service Manager
for Milliman in WA

401(k) Compliance Testing Consultant
for The Savitz Organization in PA

401(k) Relationship Manager
for EBA Consulting in NJ, PA

Account Executive II - Retirement Services
for Principal Financial Group in MD

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ICPAS Employee Benefits Conference
in Illinois on May 22, 2012 presented by Illinois CPA Society

Final SBC Guidance for Employer Health Plans: Getting Ready for New Open Enrollment Disclosures
Nationwide on April 4, 2012 presented by Thomson Reuters / EBIA

Regulations and Enforcement: An Update from the DOL
Nationwide on May 3, 2012 presented by ABA Joint Committee on Employee Benefits

National Institute on ERISA Basics
in District of Columbia on October 22, 2012 presented by ABA Joint Committee on Employee Benefits

CFDD

Best Practices in Workplace Eldercare (PDF)
41 pages. Includes case studies of eldercare programs at 17 leading employers including Aetna, CBS Corporation, Fannie Mae, Intel, Johnson & Johnson, Johns Hopkins University, Kimberly-Clark, UnitedHealth Group and the U.S. Chamber of Commerce. (National Alliance for Caregiving)

DATAIR! More Choices – Better Guidance – Less Cost   [Advert.]

FSA, DCAP, Full-Flex, HRA, HSA, 132(f)
Documents, SPDs, Amendments, Administrative Forms
(888) 328-2474   Sales@DATAIR.com   www.DATAIR.com

Chasing the Carrot, Not Running from the Whip: Obamacare Can Live Even If the Mandate Dies
"[W]ork being done by economists, health policy experts, and lobbyists suggests there may be alternatives to the individual mandate that would rope healthy people into buying insurance in ways that don't attract legal challenges." (Bloomberg Businessweek)

For Now, Kodak Backs Off on Retiree Health Benefit Cuts
"Eastman Kodak Co. retirees facing possible cuts to their company-provided health care coverage have some additional breathing room. The company, in a filing Wednesday, sought U.S. Bankrup.tcy Court approval for creation of a retirees committee to represent their interests through Kodak's Chapter 11 process. Kodak also said it was yanking a previous motion seeking to end the Medicare Advantage plan it provides to post-1991 retirees who are eligible for the government health insurance program." (Democrat and Chronicle)

Health Care Will Get Cheaper When We Hold CEOs Accountable for Costs
"[E]mployee health costs have now become the third largest expenditure for U.S. businesses, comprising 8 percent of total compensation today. And they are rising sharply — more than doubling in just the last decade to over $15,000 per year for family coverage, 73 percent of that paid by the employer.... Yet most CEOs remain strangely passive ... Here are seven things CEOs can do to make a difference[.]" (Business Insider)

Estimating the Impact of the Medical Loss Ratio Rule: A State-by-State Analysis
"Using insurers' MLR data from 2010, this issue brief estimates the rebates expected in each state if the new rules had been in effect a year earlier. Nationally, consumers would have received almost $2 bil.lion of rebates ... Almost $1 bil.lion would be in the individual market, where rebates would go to 5.3 mil.lion people nationally. Another $1 bil.lion would go to policies covering about 10 mil.lion people in the small- and large-group markets." (The Commonwealth Fund)

Health Insurance Premiums to Rise for 1 Mil.lion Californians on May 1
"Four of the largest health insurance companies in California have increased premiums for 1.1 mil.lion Californians and small business owners by as much as 20% on April and May 1st according to data filed with state regulators ... The rate increases are the second or third for most policyholders over the last two years." (Consumer Watchdog)

New EEOC Regs Ramp Up Burden of Proof on Employer Defenses under ADEA
"While it is too early to predict how courts will apply this regulation, the new rule prompts employers to ask [the questions listed in this article] when implementing a reduction in force or any other employment practice that may have an adverse impact on older workers[.]" (Wilson Sonsini Goodrich & Rosati)

FATCA Filing Requirements Apply to Employees Due to Employer-Sponsored Plans
"FATCA's reach is broader than you might think, as 'foreign financial assets' include ... an interest under a foreign pension or deferred compensation plan.... [I]t is strictly the employee's responsibility to make the required filing. However, [because penalties for failure to file are significant,] companies with a multinational and mobile workforce should consider alerting their employees to the possible filing obligation, if they have not already done so." (Winston & Strawn)