Health & Welfare Plans Newsletter

April 18, 2017 logo logo
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Employee Benefits Jobs

Retirement Plan Administrator
Steidle Pension Solutions, LLC
in NJ

Retirement Products Compliance Officer, VP
MUFG Union Bank
in AZ, CA

Senior Implementation Consultant
in CT, KS, MA, NC, SD, TX

Senior Retirement Consultant
Trinity Health
in MI, Telecommute

Senior Benefits Manager
Plum Healthcare Group
in CA

Regional Vice President - 401(k) Plan Sales
in OK, TX

ASC Plan Document Support Specialist
Actuarial Systems Corporation
in CA, FL, Telecommute

401(k) Pension Administrator
Nicholas Pension Consultants
in CA

Product Support Consultant part of Wolters Kluwer Legal & Regulatory

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Text of Supreme Court Opinion: Federal Employees Health Benefit Act Preempts Missouri Law Barring Subrogation and Reimbursement (PDF)
15 pages. "We hold, contrary to the decision of the Missouri Supreme Court, that contractual subrogation and reimbursement prescriptions plainly 'relate to ... payments with respect to benefits' ... therefore, by statutory instruction, they override state law barring subrogation and reimbursement. We further hold, again contrary to the Missouri Supreme Court, that the regime Congress enacted is compatible with the Supremacy Clause. Section 8902(m)(1) itself, not the contracts OPM negotiates, triggers the federal preemption. As Congress directed, where FEHBA contract terms 'relate to the nature, provision, or extent of coverage or benefits (including payments with respect to benefits),' Section 8902(m)(1) ensures that those terms will be uniformly enforceable nationwide, free from state interference." [Coventry Health Care of Missouri, Inc. v. Nevils, No. 16-149 (U.S. Apr. 18, 2017)]
Supreme Court of the United States


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Sponsored by World Congress

Employer-Health System Direct Contracting, Worksite Clinics, and Value-Based Partnerships Summit. Employers & health system executives meet to discuss innovative approaches to improve on-site health and access to care via value-based partnerships

Small Group Renewals: The Devil Is in the Details
"With year after year of large premium increases, it's no wonder many employers are happy to receive a health insurance renewal below 10% -- but low-percentage renewals can often gloss over key changes to the policy that are not boldly highlighted in the renewal offer."
Frenkel Benefits

$400,000 HIPAA Settlement Highlights Importance of Risk Assessment and Management Plans
"This OCR HIPAA settlement, reached less than one month after Roger Severino's appointment as OCR Director in late March 2017, indicates that there is no slowing down on HIPAA enforcement at HHS under the new administration. Recent HIPAA settlements such as this one emphasize the importance of properly conducting risk analyses and implementing risk management plans to secure ePHI."
Drinker Biddle

2016 Was Biggest Year Yet for HIPAA Monetary Settlements
"The year 2016 was by far the biggest yet for monetary settlements under the [HIPAA] privacy and security rules, and 2017 thus far is proceeding apace ... [HHS] announced 12 such settlements in 2016, averaging nearly $2 million ... Three more were concluded in the first 2 months of 2017, along with an outright penalty of $3.2 million in a fourth case. Overall, since it began enforcing HIPAA, the HHS' Office for Civil Rights (OCR) has collected nearly $60 million from 48 monetary settlements and penalties[.]"

Minnesota State Insurance Premium Subsidy Program Now a Reality
"Most Minnesotans who buy health insurance on their own are now paying 25 percent less in monthly premiums, thanks to the Premium Subsidy Program law passed by the Minnesota Legislature and signed into law by Governor Dayton. Throughout 2017, the state is picking up 25 percent of the premium for eligible Minnesotans. The discount starts when the individual's 2017 policy became effective."


Now is a great time to join Worldwide Employee Benefits Network (WEB)

Sponsored by WEB - Worldwide Employee Benefits Network

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Myths vs. Facts on Employer-Sponsored Healthcare Coverage
"Approximately 178 million Americans, more than half the population, currently enjoy health benefits provided by their employer.... [The] argument that the employer-sponsored healthcare system is driving up the cost of care is not only absurd, but completely refuted by the facts."
Washington Examiner

Benefits in General

Findings from the 2016 Health and Voluntary Workplace Benefits Survey (PDF)
12 pages. "One-third of workers (32 percent) are only somewhat satisfied with the benefits offered by their current employer, and 20 percent are not satisfied. One-half (49 percent) are extremely or very confident that their employer will continue to offer a similar benefits package three years from now.... Eighty-seven percent of workers report that employment-based health insurance is extremely or very important, followed by a retirement savings plan (77 percent) and dental or vision (72 percent).... Workers identify lower cost, choice, and the convenience of paying pre-tax and through payroll deductions as strong advantages of voluntary employment-based benefits"
Employee Benefit Research Institute [EBRI]

Discussions on
the BenefitsLink Message Boards

File IRS Form 8928 for Each 4980B Failure?
"What are your thoughts on COBRA notice failures that are not willful and are corrected within 30 days, so no excise tax, but then reporting a $0.00 excise tax on Form 8928? I am concerned that no statute of limitations will apply unless if we file."
BenefitsLink Message Boards

Press Releases

PenChecks Trust, ASPPA Renew Partnership and Expand QKA Scholarship Program
ASPPA [American Society of Pension Professionals & Actuaries]

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BenefitsLink Health & Welfare Plans Newsletter, ISSN no. 1536-9595. Copyright 2017, Inc. All materials contained in this newsletter are protected by United States copyright law and may not be reproduced, distributed, transmitted, displayed, published or broadcast without the prior written permission of, Inc., or in the case of third party materials, the owner of those materials. You may not alter or remove any trademark, copyright or other notices from copies of the content.

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