Account Manager
Lincoln Financial Group
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Wells Fargo
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Paralegal - Compensation and Benefits
Ameriprise Financial
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Enrolled Actuary/Actuarial Consultant
Small Cleveland Actuarial/ERISA Consulting Firm
in OH

Client Service Manager
PEN-CAL Administrators
in CA

DC Plan Administrator
Actuarial Data Inc.
in PA

Executive Benefits Specialist - Trainee
PEN-CAL Administrators
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Growing Regional Certified Public Accounting Firm
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Long Island, NY-based TPA/Recordkeeper
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HIPAA-HITECH Risk Management BootCamp
July 15, 2014 in TN
(Clearwater Compliance)

What the New Healthcare Law Means for Your Small Business
July 17, 2014 WEBCAST
(Small Business Majority)

Fifth Third Bancorp v. Dudenhoeffer: Supreme Court Eschews Moench Presumption, Leaving the Future for Stock-Drop Litigation Under ERISA Unclear
July 28, 2014 WEBCAST
(Practising Law Institute)

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[Guidance Overview]

ACA Shared Responsibility Reporting: The Key to IRS's Penalty Tax Assessment and the Data Key to the Employer's Defense (PDF)
"One day of coverage equals a month of coverage reported under Section 6055, but this contrasts with the reporting for Section 6056 on the same form, which treats one day of coverage missed during a calendar month as no offer of coverage for such month except in special circumstances such as termination of employment.... Even if an employer decides to use one of the alternative methods of complying with reporting to avoid determining full-time status in one year, the preservation of the data permits an employer to change methods in future years if it's not able to continue to meet one of the alternate or safe harbors in a future year[.]" (Winstead PC via Bloomberg BNA Pension & Benefits Daily)  

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Health Care Reform for Employers: Now What?

July 25 - Shreveport, LA. Stay ahead of the game with a comprehensive knowledge of the most recent updates that affect you. BenefitsLink discount.

[Guidance Overview]

Small Employer Health Insurance Credit Final Regs Retain Uniform Percentage Rules
"The final regulations clarify how the uniform percentage requirement provisions are applied if SHOP dependent coverage is offered.... A tobacco surcharge and amounts paid by the employer to cover the surcharge are not included in premiums for purposes of calculating the uniform percentage requirement. The uniform percentage requirement is also applied without regard to an employee's payment of all or part of the surcharge.... Seasonal employees continue to be defined as workers who perform labor or services on a seasonal basis, including retail workers employed exclusively during holiday seasons." (Wolters Kluwer Law & Business)  

Understanding the Supreme Court's Hobby Lobby Decision
"What Coverage Does the Affordable Care Act Require? ... What Happens if a Plan Does Not Cover Contraceptives? ... Are any Plans Exempt From the Contraceptive Coverage Requirement? ... Why Did the Supreme Court Agree With Hobby Lobby? ... How Does This Decision Impact Publicly Traded Companies?" (Thompson Hine)  

Impact of Hobby Lobby: Closely Held Corporations May Object to ACA's Contraceptive Mandate
"The Hobby Lobby ruling provides a narrow opportunity for owners of a closely held corporation to object to the contraceptive mandate of the Affordable Care Act for religious reasons. Assuming that the HHS makes the same system that it uses for religious not-for-profits available to closely held for-profit companies with religious objections, this ruling should have little practical effect for any affected employees, as insurance carriers will be required to cover these contraceptive services without sharing any of the cost with the employee or the employer." (Goldberg Segalla)  

Supreme Court Rules That Closely Held, For-Profit Corporations Can Opt Out of Certain Contraceptive Coverage Requirements for Employees
"Closely-held corporations seeking to exclude contraceptive coverage in a similar manner will need to meet the same tenets of the RFRA, particularly showing the provision of a mandate stands in opposition to a sincerely held religious belief. Many employers do not espouse such beliefs in the governance of their organizations. This increases the difficulty of mimicking the examples set by Hobby Lobby and Conestoga Wood Specialties." [Burwell v. Hobby Lobby et al., No. 13-354 (U.S. June 30, 2014)] (Michael Best & Friedrich LLP)  

Hobby Lobby Decision Cuts Unique Exemption Into ACA Contraceptive Coverage Requirement
"While it is possible that some owners of closely held for-profit companies might change their businesses to make them faith-based companies, and then begin to pick and choose which mandated benefits are objectionable to them as owners (probably the expensive ones), it is unlikely that many businesses will do this.... Accordingly ... this decision has only a very limited practical impact on most businesses and their benefit plans." (Fox Rothschild LLP)  

U.S. to Supreme Court: Don't Expand Hobby Lobby Exemption
"The Obama administration, arguing that the steps it has taken to protect religious objections to birth control by non-profit colleges, hospitals and other charities satisfy federal law, urged the Supreme Court on Wednesday not to expand the exemption. A religious college in Illinois is not entitled to the temporary aid that the Court gave to a Colorado charity in January, the newly filed brief contended. This was the first court filing by the federal government in the wake of Monday's ruling in Burwell v. Hobby Lobby, and it made clear that officials will continue to resist efforts by non-profit religious institutions to gain a complete exemption from the pregnancy prevention mandates of the new federal health care law." (SCOTUSblog)  

How the ACA Will Affect Total Rewards
"The cost-related and legal ramifications of health care reform present serious challenges to organizations' ability to operate efficiently. Most employers expect to make changes to their health care benefit program for all active employees and retirees by 2016. Savvy organizations are preparing by looking closely at their total rewards strategy and employee value proposition." (Towers Watson)  

Healthcare Premiums Rise at Big Insurers, Fall at Small Rivals
"In nine of the 10 states that have filed their proposed 2015 insurance rates, the largest health insurers are increasing premiums between 8.5 percent and 22.8 percent for next year ... These proposals are a reflection of rising prescription-drug costs, medical inflation (around 5.4 percent for 2014) and the ACA's fees and coverage mandates, according to insurance companies." (National Center for Policy Analysis)  

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Risk Corridors: A Carrot for Insurers, or a Bailout?
"It's in the best interests of employers, particularly small businesses, for risk corridors to work as intended, observes Larry McNeely, policy director for the National Coalition on Health Care in Washington, D.C. His point is that helping stabilize the rates of public exchanges would provide their employees with another viable option for obtaining health insurance if they choose that avenue." (Employee Benefit Adviser)  

[Opinion]

The Illogic of Employer-Sponsored Health Insurance
"The [Hobby Lobby] ruling raises the question of why, uniquely in the industrialized world, Americans have for so long favored an arrangement in health insurance that endows their employers with the quasi-parental power to choose the options that employees may be granted in the market for health insurance.... Furthermore, the arrangement induces employers to intervene in many other ways in their employees' personal life -- for example, in wellness programs that can range from the benign to annoyingly intrusive, depending upon the employers' wishes." (Uwe E. Reinhardt in The New York Times; subscription may be required)  

ESOP Companies and Fiduciaries Can Successfully Manage ESOP Risk
StockShield, Inc.

New Federal Rules Promote the Use of Longevity Annuities in 401(k)s and IRAs, Expanding Lifetime Income Options for Savers
American Council of Life Insurers

MassMutual Appoints National Practice Leader For Not-for-profit Retirement Plan Market
MassMutual

Cambridge Continues to Expand Retirement Center Offerings
Cambridge Investment Research, Inc.

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