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  • First steps to take with IRS draft ACA reporting instructions

    September 4, 2014

    The IRS has released long-awaited draft instructions for the forms employers will use to comply with the ACA’s employer mandate, giving benefit advisers and their clients a glimpse of the work ahead for 2015 and how to begin preparing now.


  • Verbal COBRA notice sufficient, but still risky

    September 3, 2014

    Court rules verbal COBRA notice is sufficient, but benefit advisers caution employers to follow-up with written notice, as well.


  • CVS halts tobacco sales early, changes corporate name

    September 3, 2014

    CVS Caremark Corp. halted sales of tobacco products almost a month ahead of schedule, started a smoking-cessation campaign, and changed its name to position itself as an advocate of better health.


  • IRS releases draft instructions for ACA reporting forms

    August 29, 2014

    The IRS has posted draft instructions for the various Affordable Care Act reporting that will be done for calendar year 2015 and while the instructions provide much needed guidance for employers and insurers, they also confirm the daunting complexity of the reporting task.


  • Forensic underwriting: A CSI approach to lowering benefit costs

    August 29, 2014

    Insurance underwriting is hardly dramatic enough to warrant a TV show, but there is a forensic component to the annual renewal process.


  • Reducing benefit costs while still valuing employees

    August 26, 2014

    Commentary: Financial services company BOK Financial enlists the help of a benefits communication vendor to boost participation in its consumer-directed health plan.


  • Top health data breaches caused by hackers

    August 26, 2014

    The HHS Office for Civil Rights website of large data breaches lists at least 89 major incidents of hacking, which have become much more prevalent during the past two years. Here is a look at some of the largest.


  • Employers make the business case for benefits through RFPs

    August 26, 2014

    With increased CFO involvement in health care and benefit decision-making, benefit managers are under more scrutiny than ever before to ensure they efficiently manage their health and benefits vendor relationships.


  • One-quarter of young adults lack health coverage

    August 26, 2014

    Millennials are 10% more likely to lack health coverage than adults age 30 and over despite paying lower costs, receiving subsidies based on income and possibly staying on their parent's health insurance policy until age 26.


  • Self-insured employers wary about private exchanges

    August 22, 2014

    Large employers say they don’t have plans to eliminate health care coverage for active employees in 2015, although 35% say they are considering moving their active employees to a private exchange in 2016 or beyond, a recent survey finds.


  • Obama offers birth-control coverage compromise for employees of religious nonprofits

    August 22, 2014

    The Obama administration has announced a government workaround to allow employees of religious nonprofits access to birth-control coverage even if their employer has opted not to pay for such medicines.


  • Employers create game plan for expected health care cost increases

    August 22, 2014

    In anticipation of the Affordable Care Act’s excise tax, U.S. employers are planning to take more aggressive approaches to projected single-digit increases in health care costs by revisiting the viability of consumer-driven health plans and spousal and dependent coverage.


  • Small business marketplaces leave room for improvement

    August 21, 2014

    Benefit advisers and employers say a host of challenges is not only to blame for stagnant SHOP enrollment, but must be overcome if SHOP is to enjoy any success.


  • Avoid these 6 worst practices

    August 21, 2014

    Commentary: Benefit advisers hoping to maintain satisfied clients after the first open enrollment period should avoid these common bad behaviors that could cost accounts in the long run.


  • Helping employers close the communication gap

    August 15, 2014

    Employers and employees more than ever need the help of their trusted adviser to communicate in plain language the complexities of today’s health care landscape.


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