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Intac Actuarial Services
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Shipman & Goodwin LLP
in CT

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[Official Guidance]

Text of 2018 Draft Instructions for IRS Form 8962: Premium Tax Credit (PDF)

21 pages, Oct. 5, 2018 draft. "Use Form 8962 to figure the amount of your premium tax credit (PTC) and reconcile it with advance payment of the premium tax credit (APTC). You may take PTC (and APTC may be paid) only for health insurance coverage in a qualified health plan purchased through a Health Insurance Marketplace. As a result, you should complete Form 8962 only for health insurance coverage in a qualified health plan purchased through a Marketplace."
Internal Revenue Service [IRS]


Bring Employee Benefits Education to You

Sponsored by International Foundation of Employee Benefit Plans [IFEBP]

With On-Site Education from the International Foundation, your staff can receive high-quality education in a customized, one-of-a-kind learning experience. Avoid the cost and inconvenience of travel, and let us bring the education to you! Learn More.

[Guidance Overview]

Editor's Pick Frequently Asked Questions About the New Jersey Paid Sick Leave Law, Part 1

"Which employers are covered? ... Which employees are covered? ... Are independent contractors entitled to sick leave? ... How much sick leave do employees receive? ... Can employers impose a waiting period before employees can use accrued sick leave? ... Do part-time employees receive only a prorated amount of sick leave? ... How do temporary employees working for a temp agency earn sick leave? ... What are an employer's obligations during the 'gap' between the effective date of the law (October 29, 2018) and the start of the new benefit year (January 1, 2019, for many employers)? ... For what purposes can employees use sick leave?"
Ogletree Deakins

Six More Days: October 15 Deadline for Medicare Part D Notice of Creditable Coverage

"With the Medicare open enrollment period beginning next Monday (October [15] comes the annual reminder that the Part D Notice of Creditable Coverage is due to employees by the same date. The purpose of the Notice is to inform employees whether their employer-sponsored group health plan's prescription drug coverage is at least as rich as a Medicare Part D plan."
ABD Insurance & Financial Services

Spurred by Convenience, Millennials Often Spurn the 'Family Doctor' Model

"Many young adults are turning to a fast-growing constellation of alternatives: retail clinics carved out of drugstores or big-box retail outlets, free-standing urgent care centers that tout evening and weekend hours, and online telemedicine sites that offer virtual visits without having to leave home. Unlike doctors' offices, where charges are often opaque and disclosed only after services are rendered, many clinics and telemedicine sites post their prices."
Kaiser Health News

High-Deductible Employer Plans Contribute to Financial Burden for Low-Income Patients

"[R]esearchers examined 2011‑2015 Medical Expenditure Panel Survey Household Component data on adults 19 to 64 years of age enrolled in employer-sponsored insurance plans. They found 47% of low-income individuals with multiple chronic conditions and a high-deductible plan were paying more than 20% of their family income on out-of-pocket healthcare expenses."

Estimating the Cost of a Single-Payer Plan (PDF)

"[T]he Medicare for All Act of 2017 [MFA] ... would increase federal spending by $32 trillion dollars over its first 10 years of implementation. [MFA] would provide universal health insurance coverage with no premiums, no deductibles or other forms of cost sharing (with the possible exception of modest beneficiary contributions for nongeneric prescription drugs and biologics), broad covered benefits, and tight constraints on provider payment rates.... [In a separate 2016 study, the Urban Institute] estimated that Sanders's presidential proposal would increase federal health expenditures by $32.6 trillion dollars over 10 years."
Urban Institute

Benefits in General


Time to Revisit the Work Relationship

"The relationship between employers and employees has changed. As two factions battle for dominance in what that relationship should look like -- those who preach self-reliance think that employers should provide availability of savings options only and those who preach mandated pay and benefits think that the only differentiators should be things like office gyms and juice bars -- we are left in a world where creativity is encouraged, but not in any determination of how employees are rewarded."
Benefits and Compensation with John Lowell

Press Releases

George C. W. Gatch Elected Chairman of ICI
Investment Company Institute

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David Rhett Baker, J.D., Editor and Publisher
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BenefitsLink Health & Welfare Plans Newsletter, ISSN no. 1536-9595. Copyright 2018, 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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