Trust Accountant
for The Pension Group, Inc. in CA

Junior Pension Analyst
for Long Island Employee Benefits Groups, Ltd. in NY

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

Retirement Plan Administrator
for American Pension Benefits, Inc. in PA

Relationship Manager
for Envoy Financial in CO

Benefits Manager
for UNITE HERE HEALTH in IL

Daily Team Associate II
for MBM Advisors, Inc. in TX

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AHIP's Compliance Forum Implementing the ACA: Evolving Requirements and Compliance Implications
in Utah on June 20, 2012 presented by America’s Health Insurance Plans (AHIP)

After the Sound Bites: An In-Depth Analysis of the Supreme Court ACA Decision
Nationwide on July 12, 2012 presented by ABA Joint Committee on Employee Benefits

Exempt Organizations and Gaming Free Phone Forum
Nationwide on July 18, 2012 presented by Internal Revenue Service (IRS)

Health Care Costs: What Can Be Done Recorded Webcast
Nationwide on June 20, 2012 presented by Alliance for Health Reform

401(k) Rekon Advisor Symposium - San Antonio
in Texas on July 10, 2012 presented by 401(k) Rekon

401(k) Rekon Advisor Symposium - Larchmont
in New York on July 11, 2012 presented by 401(k) Rekon

Assessing the Challenges Facing Multiemployer Pension Plans Webcast
Nationwide on June 20, 2012 presented by U.S. House Education and the Workforce Committee

401(k) Rekon Advisor Symposium - King of Prussia
in Pennsylvania on July 12, 2012 presented by 401(k) Rekon

Assessing the Challenges Facing Multiemployer Pension Plans Hearing
in District of Columbia on June 20, 2012 presented by U.S. House Education and the Workforce Committee

Deloitte's 2012 U.S. Survey of Health Care Consumers
Click on the Download button on the linked web page. "Since 2008, the Deloitte Center for Health Solutions has annually polled up to 4,000 U.S. adult consumers about their interest in and ability to operate in a consumer health care market. These surveys queried adults in various age, health status, income, and insur.ance cohorts to gauge the degree to which consumers are prepared to engage with the health care system as 'patients' or 'consumers.' The distinctions between the two are stark; the implications are transformative—not only to the health care industry, but to every U.S. household, company, and government agency." (Deloitte Center for Health Solutions)

The Complete Guide to Workplace Wellness Programs   [Advert.]

The detailed survey report, Wellness Programs and Value-Based Health Care, examines popular types of wellness programs and contains 162 useful sample wellness documents to help you implement or improve your own wellness program. Order Now.

ACA to Trigger Growth Spurt in Health Spending
"Healthcare spending in the U.S. is expected to continue to grow slowly over the next year and a half, but then speed up in 2014 when a number of provisions of the Affordable Care Act (ACA) kick in, according to a report from economists and actuaries at the Centers for Medicare and Medicaid Services (CMS). And, by 2021, healthcare costs will equal 19.6% of the nation's gross domestic product (GDP), up from 17.9% in 2011[.]" (MedPage Today)

Use of Imaging Tests Soars, Raising Questions on Radiation Risk
"Advanced imaging adds about $100 bil.lion to U.S. medical bills each year, said study leader Rebecca Smith-Bindman, a radiologist and epidemiologist at UC San Francisco. There is widespread agreement in the medical community that imaging tests are overutilized, particularly CT scans." (Los Angeles Times)

Iowa's State Employees Must Help Pay for Health Care, Governor Says
"Iowa's state employees would be required to pick up 20 percent of their health care costs under a demand Gov. Terry Branstad will make during union negotiations this year, he said [on Tuesday]." (The Des Moines Register)

Romney Outlines Plan to Make Health Care System Like 'Consumer Market'
"Romney said he wants to make the nation's health-care system more like a consumer market, likening it to the tire, automobile and air-filter markets, which, he said, keep costs down and quality up. To do so, he said, he would allow individuals and small businesses to buy insur.ance coverage with the same tax advantage that larger businesses enjoy and to purchase insur.ance across state lines or join organizations to give them bargaining power with insurers." (The Washington Post; free registration required)

A 14-Month Effort to Answer One Question: Can Shopping for Insur.ance Be Easy?
"Right now, buying health insur.ance is anything but. Americans find it one of the most difficult things to purchase. Every year, branding firm Seigel + Gale ranks industries by 'brand simplicity,' a measure of how easily consumers understand the product being sold. Every year, health insur.ance comes in at the very bottom. Eight foundations came together about a year ago, aiming to fix that." (The Washington Post; free registration required)

Health Care Costs: Will They Stay or Will They Grow?
"'We're projecting that, for the next three years, health-care spending is going to stay near its historic lows,' says Sean Keehan, a senior economist with the Office of the Medicare Actuary. 'We think this is due to the recession, but not just that. We think consumers are being more cautious about how much health care they use, too.'" (The Washington Post; free registration required)

Consumer-Driven Health Care Plans Can Help Consumers Reduce Health Care Spending
"Key results from the study indicate that, following migration from a traditional non-CDHP [Consumer-Driven Health Care Plan] to a CDHP, on average, the CDHP members studied ... reduced health care utilization by an aggregate of more than 12 percent ... spent 24 percent less on inpatient hospital services and eight percent less on outpatient services ... [and] reduced combined medical and pharmacy spend by an aggregate of 11 percent. In addition, data showed that employers who offered only a CDHP saw even greater spend reductions—up to an aggregate of 14.4% over the three years following migration from a traditional plan to a CDHP." (Health Care Service corporation)

Health Law Without Mandate Might Hike Costs
"Rand Corp. researchers found that premiums would rise an average 2.4% for individuals if the mandate is eliminated and the rest of the law remains in effect. Right now, premiums for those who buy insur.ance in the open market vary widely by health status and other factors. Under the Affordable Care Act, such variation would be tightly controlled. Premiums can differ to some degree by age and tobacco use, as well as by the actuarial value of the plan the applicant selects, geographic area and family size[.]" (MarketWatch)

[Opinion]

Obamacare Is Wrong for Women
"The White House is making a special push to win women's votes in November, among other things by proclaiming that Republicans are waging a 'war on women.' But President Obama's signature health-care overhaul is an assault on women's freedom. It will drive up their health-care costs, deprive them of choices, and make it harder for them to find doctors for their families. [For example, employers and] other organizations are finding they can't afford the added cost [of allowing children to stay on their parents' policies until age 26] and are dropping dependent coverage altogether." (Galen Institute)

IRS Clarifies 'Substantial Risk of Forfeiture' Under Section 83
"The IRS issued proposed regulations to clarify the application of Code section 83, which provides that property transferred in connection with the performance of services is included in the service provider's income once it is transferable or no longer subject to a substantial risk of forfeiture. The proposed regulations clarify that: (i) a substantial risk of forfeiture may be established only through a service condition or a condition related to the purpose of the transfer, (ii) both the likelihood that the forfeiture event will occur and the likelihood the forfeiture will be enforced need to be considered in determining whether there is a substantial risk of forfeiture, and (iii) transfer restrictions do not create a substantial risk of forfeiture except as specifically provided under Code section 83(c)(3) or related regulations." (Deloitte via BenefitsLink.com)

Kevin Trangle Named Medical Director At Benefit Advisors Network
(Benefit Advisors Network)

Alltrust Insurance Names Davis Senior Employee Benefits Consultant
(Alltrust Insurance)