Senior Pension Administrator - Combo DB / DC Plans Primark Benefits Burlingame CA / Telecommute
	Employee Education Consultant (bi-lingual) Newport Group Pittsburgh PA / Philadelphia PA
	Pension Consultant Pension Associates Retirement Planning LLC Stamford CT / Telecommute
	Plan Compliance Analyst RPA VA / Telecommute
	Legal Clerk (Pathways Intern) Pension Benefit Guaranty Corporation [PBGC] Washington DC
	Auditor Employee Benefits Security Administration [EBSA] Dallas TX / Telecommute

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Structuring Indemnification Provisions in Business Associate Agreements: Allocating Risk in Healthcare Contracting
December 4, 2019 WEBCAST
Strafford

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New York Mandates Coverage of Medically Necessary Mammograms

"Currently, most insurance companies are only required to cover annual mammogram screenings for women who are over the age of 40. Shannon's Law, however, is effective September 1, 2019, and applies to policies and contracts issued, renewed or modified on or after September 1."
OneDigital Health and Benefits

[Advert.]

Rising Cost of Commuting: Developing a Transportation Benefits Plan

Oct. 17 webinar covers the basics of providing employees with options and what you need to do to save money, keep employees happy, and reduce your environmental footprint.BenefitsLink discount.

IRS Confirms That ACA Pay or Play Penalties Still Apply (PDF)

"According to [IRS Information Letter 2019-0008], the executive order does not change the law. The ACA's provisions are still effective until changed by Congress, and taxpayers are still required to follow the law, including paying any applicable penalties they may owe."
Cowden Associates, Inc.

FBI Intelligence Bulletin Outlines Methods Used to Commit Fraud Against HSAs

"This summer, the FBI issued an unclassified Intelligence Bulletin that details the current fraudulent schemes against HSA programs that it has encountered and what the perpetrators of fraud against HSAs may do in the future."
Employers Council on Flexible Compensation [ECFC]

Hospitals and Insurers Question Legality, Need for CMS Price Transparency Rule

"Hospitals and insurers are making a last-ditch effort to convince the Trump administration to withdraw a proposal requiring facilities to post payer-negotiated rates online. Numerous comments on the proposal ... say [it] will not drive down healthcare costs and will be a pricey burden on facilities. The comments also hint at a likely legal battle that will erupt if CMS goes through with the proposal."
FierceHealthcare

How Tech Can Improve the Open Enrollment Process

"[1] Administering administration ... [2] Answering questions ... [3] Effective communication and engagement ... [4] 24/7 access ... [5] Less paperwork ... [6] Time savings."
OneDigital Health and Benefits

HSA Heuristics: In What Order Should 401(k) and HSA Contributions Be Made?

"Some believe that the 'rule of thumb' when it comes to deciding on the order for contributing to a 401(k) or HSA is: ' Save up to the percentage of the employer's 401(k) match to take advantage of 'free' money, max out savings in an HSA, and then save more in a 401(k) if anything is left over.' However, because of variations in plan designs and provisions, as well as the diversity in participant finances and needs, there is no good heuristic for decision-making that applies to all HSA participants."
Plan Sponsor Council of America [PSCA]

For Policy Makers Looking to Expand Coverage, Lessons from the Demise of the ACA's Multi-State Plan Program

"[The authors] were part of the team that implemented the MSP Program at the OPM, representing both the agency leadership and programmatic staff. In this post, [they] briefly discuss the legislative compromise that created the MSP Program and offer lessons learned for policy makers considering options for expanding coverage, including public options, Medicare for All, and Medicare or Medicaid buy-in programs."
Jonathan Foley, Kristi Martin and Rob Shriver, in Health Affairs

[Opinion]

The Health Benefits at the Center of the United Auto Workers Strike

"The incredible thing is that the UAW hung on to their low-cost benefits as the rest of us began to pay more and more. Today, workers on employee plans pay about 30% of their health care costs. UAW workers pay about 3%."
National Public Radio [NPR]

We Use Sharefile. Anything Better?

We use Sharefile. It's OK, but it's too complicated for a lot of our clients. Sharefile is integrated with Outlook so we can easily encrypt our attachments, and our clients can upload files directly to our own personal in-box. But the password thing is clunky, clients always forget their passwords, etc. Anything better out there?
BenefitsLink Message Boards

Press Releases

Arthur J. Gallagher & Co. Signs Definitive Agreement to Acquire LSG Insurance Partners
Arthur J. Gallagher & Co.

Alyfe Wellbeing Strategies Expands Team of Experts
Alyfe Wellbeing Strategies

Mark Levitats Joins Lockton in Florida to Expand Retirement Practice
Lockton

Former Carpenters' Benefit Plan Administrator Indicted On Fraud Charges
Employee Benefits Security Administration [EBSA], U.S. Department of Labor

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Most Popular Items in the Previous Issue

Text of IRS Proposed Regs: Application of the Employer Shared Responsibility Provisions and Certain Nondiscrimination Rules to HRAs and Other Account-Based Group Health Plans Integrated with Individual Health Insurance Coverage or Medicare
Internal Revenue Service [IRS]

Federal Agencies Issue Guidance and Report on Enforcement of Mental Health Parity and Addiction Equity Act (PDF)
Segal Consulting

How Health Reimbursement Agreements (HRAs) Help Employers Expand Coverage Options for Their Employees
Centers for Medicare & Medicaid Services [CMS], U.S. Department of Health and Human Services [HHS]