Defined Contribution Implementation Analyst
for Milliman in TX

Senior Consulting Actuary
for Milliman in TX

Senior Actuarial Analyst
for The Segal Company in NY

Retirement Plan Administrator
for Capella, Inc. in ANY STATE, SD

Legal Counsel
for Fidelity Investments in TX

Senior Account Manager/DC Administration Consultant
for National Actuarial Pension Services in TX

Service Specialist
for Envoy Financial in CO

Investment Consultant
for Milliman, Inc. in CA

Compliance Consultant
for AUL/OneAmerica Financial Partners, Inc. in IN

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401(k) Rekon Advisor Symposium - Cincinnati
in Ohio on May 9, 2012 presented by 401(k) Rekon

401(k) Rekon Advisor Symposium - Indianapolis
in Indiana on May 10, 2012 presented by 401(k) Rekon

Ethics in Employee Benefits
Nationwide on May 9, 2012 presented by National Institute of Pension Administrators

NIPA (National Institute of Pension Administrators)

As Retiree Drug Subsidy Program Becomes Less Attractive, Employers Consider Using 'Group Waiver Program'
"Employers who currently receive a federal tax subsidy for providing retiree prescription drug coverage under the retiree drug subsidy program, or RDS, will no longer be able to take a deduction for that subsidy as of 2013 ... Therefore, many employers are considering an alternative subsidy program referred to as the Employer Group Waiver Program, or EGWP, as an attractive way to achieve significant plan savings and are weighing the benefits of the EGWP against the RDS." (Groom Law Group)

Creating a Healthier and More Productive Workforce Webinar Series   [Advert.]

Hear from employers who have successfully maximized employee engagement, reinforced healthy behaviors and advanced a healthy culture in the April 18 webinar, Addressing Workplace Policies and Work Environment: In Search of the Holy Grail. Register Now!

Proposed HHS Regs Address Health Plan Identifiers and Delay Compliance Date for Use of Standardized Billing Codes
"In general, all health plans that transmit health information electronically in connection with HIPAA covered transactions must comply with transaction standards adopted under HIPAA. The transaction standards are intended to standardize the exchange of electronic data by reducing the use of multiple formats." (Practical Law Company)

Health Care Provider 'Balance Billing' of the Personal Injury Plaintiff
"A particularly unfortunate situation occurs when the provider learns that the liability settlement is insufficient for payment of the medical bills. At that point, the provider will turn back to the patient for payment. In many cases, the patient-plan member can no longer get the plan to pay since the time period for submitting claims has expired. It would seem that the provider, having obtained an assignment of benefits from the patient (typically, anyway), should be foreclosed from holding the patient accountable for non-payment when the provider failed to submit the bills to the plan. The wording of the assignment documents would be a factor in this situation, however." (Health Plan Law)

Lung Cancer Screening Would Save Lives at Relatively Low Cost
"Using actuarial models, this study estimated the costs and benefits of annual lung cancer screening offered as a commercial insurance benefit in the high-risk US population ages 50-64. Assuming current commercial reimbursement rates for treatment, we found that screening would cost about $1 per insured member per month in 2012 dollars. The cost per life-year saved would be below $19,000, an amount that compares favorably with screening for cervical, breast, and colorectal cancers." (Health Affairs)

Institute of Medicine Panel Proposes New Tax to Pay for Public Health
"That tax — amount TBD, but possibly a half-percent or so — would go to replenish the coffers of the nation's state and local public health agencies. In so doing, according to the IOM panel, the public health workforce could renew its historic role in looking at population rather than individual health care, and thus 'offer efficient and effective approaches to improving the nation's health.'" (Kaiser Health News)

Interactive Tool Tracks Funds from Affordable Care Act to Variety of Public and Private Sources
"This funding will go to states, local governments, employers, community health groups and health care providers to implement various provisions aimed at transforming areas of the existing health system and making health insurance coverage more affordable.... The ACA Federal Funds Tracker allows users to compare and analyze the total funds authorized and appropriated to states, community organizations, employers and others to date." (The Henry J. Kaiser Family Foundation)

The Affordable Care Act and African Americans
"New estimates from RAND suggest that 3.8 mil.lion African Americans who would otherwise be uninsured will gain coverage by 2016 through the expansion of Medicaid eligibility and the creation of Affordable Insurance Exchanges. Valuable benefits, including coverage for young adults and preventive services without cost-sharing, are already in effect and benefiting African Americans across the country." (U.S. Department of Health and Human Services, Office of the Assistant Secretary for Planning and Evaluation)

San Francisco Annual Health Expenditure Report Due by April 30, 2012
"The form can be filled out and filed online. The [Health Care Security Ordinance], which first took effect in 2008, requires employers to spend a minimum amount on health care for certain San Francisco employees or pay the city to help fund its health care program. Employers will need to gather 2011 quarterly data to report eligible employees and qualified expenditures." (Mercer)

Noteworthy Developments of Interest to Sponsors of Multiemployer Health Plans, 2nd Quarter 2012 (PDF)
"[Includes] recent developments in health care and the multiemployer marketplace ... data including consumer price index (CPI) and Segal health trends ... a context for what's happening to multiemployer health plans ... [and] information about what other multiemployer plans are doing." (The Segal Group, Inc.)

Seven Things Employers Don't Know About Health Care Plans
"The survey results ... reveal that when it comes to benefits, employees maintain a level of distrust toward their employer. [E]mployers need to work harder to avoid miscommunications about benefits. [A finding shows] that 33% of employees think employers plan to reduce benefits while only 10% of employers report that they plan to make that move. To avoid that disconnect 'employers need to deliver a clear message to employees about the status of benefits.'" (HealthLeaders Media)

New ACA Streamlining Requirement Will Cost Insurance Plans, But Benefit Medical Providers
"HHS on April 9 [issued] a proposed regulation that conforms to the ACA's requirement that a series of regulations designed to streamline health care administrative transactions be issued over a five-year period. The regulations are meant to encourage greater use of standards by health care providers and make existing standards work more efficiently." (Wolters Kluwer Law & Business / CCH)

SEC Issues First Guidance on JOBS Act
"[SEC] has published Frequently Asked Questions to provide initial guidance on the implementation and application of the law." (Ballard Sphar LLP)

Certain Executive Pay Mandates Eased for 'Emerging Growth' and Private Companies
"The Jumpstart Our Business Startups Act, signed into law April 5, eases executive pay compliance for a new category of issuers: 'emerging growth companies.' Qualifying companies that go public after Dec. 8, 2011, are temporarily exempt from the Dodd-Frank Act's shareholder say-on-pay mandates and its pay-for-performance and internal pay equity disclosures. While exempt, these start-ups can follow the limited executive pay disclosure rules for 'smaller reporting companies.' The act also eases registration triggers for private companies issuing equity awards under employee pay plans." (Mercer)

Executives Should Beware the Dark Side of Clawbacks
"[A recent Wall Street Journal article entitled] 'For Feds, "Lying" Is a Handy Charge,' illustrates the alarming increase in cases of prosecutorial abuse against executives. These are not clawback cases — yet. However, they show why executives are rightfully concerned about the existence of unchecked clawback power in the hands of the board of directors or anyone else." (Winston & Strawn)

Obama Declines to Order Ban on Anti-g.ay Bias by Employers with Federal Contracts
"The executive order, which activists said had support from the Labor and Justice Departments, would have applied to g.ay, bisexual and transgender people working for or seeking employment from federal contractors. Current law does not protect against discrimination based on se.xual orientation or gender identity, and legislation to do so, which Mr. Obama endorses, lacks sufficient votes in Congress." (The New York Times; free registration required)

CPI President Named to CIkR Board
(CPI Qualified Plan Consultants, Inc.)

Early Intervention Reduces Medical Costs in Spite of Increasing Utilization
(SeeChange Health)