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Job Openings

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

VA / Telecommute

Legal Clerk (Pathways Intern)

Pension Benefit Guaranty Corporation [PBGC]
Washington DC


Employee Benefits Security Administration [EBSA]
Dallas TX / Telecommute

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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


Rising Cost of Commuting: Developing a Transportation Benefits Plan

Sponsored by Lorman and BenefitsLink

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.

Editor's Pick 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."

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


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]

Selected Discussions
on the BenefitsLink Message Boards

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

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

Most Popular Items in the Previous Issue

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], Inc.
1298 Minnesota Avenue, Suite H
Winter Park, Florida 32789
(407) 644-4146

Lois Baker, J.D., President
David Rhett Baker, J.D., Editor and Publisher
Holly Horton, Business Manager

BenefitsLink Health & Welfare Plans Newsletter, ISSN no. 1536-9595. Copyright 2019, 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.

Links to web sites other than and are offered as a service to our readers; we were not involved in their production and are not responsible for their content.

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