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Health & Welfare Plans Newsletter

May 20, 2022

7 New Job Opportunities 7 New Job Opportunities


[Guidance Overview]

Short-Term Disability Considerations for Employers in States with Mandated Benefits

"Although [paid family and medical leave (PFML)] program designs vary by state, ... [t]hese benefits are very similar to the short-term disability (STD) benefits that many employers offer their employees either through fully insured or self-insured methods. The similarities between PFML and STD benefits can create challenges in administering the benefits concurrently. This article discusses some of the key considerations for employers in states with mandated PFML benefits."  MORE >>


Reducing Healthcare Costs with Self-Insured Health Plans

"[A] switch from a fully insured health plan to a self-insured plan is a major undertaking ... This toolkit aims to help employers' decision-making and serves as an introductory guide to self-insurance. It provides a general overview of what self-insurance is, discusses how it differs from fully insured health plans and outlines its growth over time."  MORE >>

Digital Journal

The Impact on Premiums of Expanding Pre-Deductible Coverage in HSA-Eligible Health Plans

"The impact on premiums of expanding pre-deductible coverage for 14 services in HSA-eligible health plans ... is small. Estimated premium increases range from virtually zero to 1.5 percent.... [EBRI] found a 0.9 percent increase in premiums when use of health care services was assumed to increase because of the lower cost sharing and when employers did not impose any cost sharing."  MORE >>

Employee Benefit Research Institute [EBRI]

Fiduciary Duties for Health and Welfare Plans: Duty to Administer Plan According Its Written Terms

"Maintaining a plan document is a core ERISA requirement. Plan administrators must administer the plan according to the plan document. While plan participants and even plan administrators may not agree with the plan language, this is still the controlling language of the plan and failure to follow it can result in a breach of fiduciary duty, among many other issues."  MORE >>

HUB International

CRS in Focus: Funding of Postal Retiree Health Benefits in the Postal Service Reform Act of 2022

"Since FY2007, the U.S. Postal Service (USPS) has experienced annual net losses averaging $6.2 billion due in large part to retiree health prefunding payments that were required under the Postal Accountability and Enhancement Act of 2006 (PL 109-435). The Postal Service Reform Act of 2022 [PSRA] (PL 117-108) repeals those prefunding payments and eliminates USPS's defaulted payments from its financial balance sheet. Additionally, the PSRA's changes to postal health benefits are expected to reduce USPS's share of premiums for its employees and retirees by $5.711 billion over 10 years." [IN11931, May 19, 2022]  MORE >>

Congressional Research Service [CRS]

Benefits in General

Congress Considers Banning Discretionary Clauses in ERISA Plans

"[T]he 'Employee and Retiree Access to Justice Act' [HR 7740] ... seeks to ban arbitration and discretionary clauses in employer-sponsored benefit plans governed by [ERISA] ... thereby forcing plan disputes into the judicial system[.] [T]his legislation, if passed, would dramatically alter the long-standing standard of review by courts when a plan participant or beneficiary is denied retirement, health, or other benefits under an ERISA-regulated plan."  MORE >>


Employee Benefits Jobs

View job as Employee Benefits Senior Consultant
          for Plante Moran Employee Benefits Senior Consultant

Plante Moran

Remote / CO / IL / MI / OH

View job as Employee Benefits Senior Consultant
          for Plante Moran

View job as Enrollment Coordinator
          for Associated Pension Services, Inc. Enrollment Coordinator

Associated Pension Services, Inc.

Arlington Heights IL

View job as Enrollment Coordinator
          for Associated Pension Services, Inc.

View job as Sr Plan Compliance Consultant
          for T. Rowe Price Sr Plan Compliance Consultant

T. Rowe Price

Colorado Springs CO

View job as Sr Plan Compliance Consultant
          for T. Rowe Price

View job as Form 5500 Specialist
          for Guideline, Inc. Form 5500 Specialist

Guideline, Inc.

Remote / CA / CO / FL / GA / MA / MD / ME / MI / MO / NC / NJ / NY / OH / OR / PA / SC / TN / TX / WA

View job as Form 5500 Specialist
          for Guideline, Inc.

View job as ESOP Analyst
          for Newport ESOP Analyst


Remote / MI

View job as ESOP Analyst
          for Newport

View job as ESOP Manager
          for Newport ESOP Manager



View job as ESOP Manager
          for Newport

View job as Compliance Analyst
          for Newport Compliance Analyst



View job as Compliance Analyst
          for Newport

Press Releases

OneDigital Strengthens Employee Benefits Division With Addition of Kennedy, Michener Benefits, LLC


MeMD Unveils Name Change to Walmart Health Virtual Care


Last Issue's Most Popular Items

Plaintiffs' Bar Shows Renewed Interest in COBRA Notice Litigation

Jackson Lewis P.C.

Delaware Joins the Family (Paid Family-Medical Leave, That Is)


Text of IRS Notice 2022-28: Treatment of Amounts Paid to Section 170(c) Organizations Under Employer Leave- Based Donation Programs to Aid Victims of the Further Russian Invasion of Ukraine (PDF)

Internal Revenue Service [IRS]

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BenefitsLink Retirement Plans Newsletter, ISSN no. 1536-9587.

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