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High Risk Issue iconMinnesota Supreme Court Finds General Handbook Disclaimer Does Not Necessarily Disclaim PTO Obligations

"[E]mployers should review their handbooks or policy statements for language that could create a right to benefits, review their vacation, sick leave, and other PTO policies for clarity, and ensure that any handbook disclaimers are drafted specifically to prevent the formation of contractual rights." [Hall v. City of Plainview, No. A19-0606 (Minn. Feb. 3, 2021)] Icon to read more


The Health Costs of Cost-Sharing (PDF)

56 pages. "[P]rice increases cause 18.0% more patients to fill no drugs, regardless of how many drugs they had been on previously, or their health risks. This decision mechanically results in larger absolute reductions in utilization for those on many drugs.... [C]ost-sharing schemes should be evaluated based on their overall impact on welfare, which can be very different from the price elasticity of demand." Icon to read more

National Bureau of Economic Research [NBER]

Innovative Benefit Offerings on the Rise

"More health-conscious employees may value smoking cessation programs, while employees with longer commutes may place a high value on transportation subsidies. Workers with little free time may find significant value in on-site banking, postal or dry-cleaning services.... Survey findings addressed several of the most prevalent types of innovative and miscellaneous benefits." Icon to read more

International Foundation of Employee Benefit Plans [IFEBP]

Oscar Health's IPO Filing Will Test the Venture-Backed Insurance Model

"The New York-based health insurance unicorn has raised well north of $1 billion during its life, making its public debut a critical event for a host of investors. Oscar Health lists a placeholder raise value of $100 million in its IPO filing, providing only directional guidance that its public offering will raise nine figures of capital." Icon to read more



No Safe Haven for Employers Managing Health Care Costs

"The collapse of Haven is the newest tombstone in a graveyard of attempts from employers to reshape health care. Jeff Bezos, Jamie Dimon, and Warren Buffet are among the world's most powerful executives, wielding unparalleled insight into the inner workings of complex and emerging markets. Why couldn't they translate this acumen to health care?" Icon to read more

The Commonwealth Fund

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BenefitsLink Health & Welfare Plans Newsletter, ISSN no. 1536-9595. Copyright 2021, 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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