Benefits

  • Using Voluntary Benefits to Maintain Robust Coverage Using Voluntary Benefits to Maintain Robust Coverage

     Avoid the “Cadillac Tax”

    The report of findings from the SHRM/EBRI 2014 Health Benefits Survey reveals that, at present, no option dominates as the primary planned action to avoid the Cadillac Tax, and many plan sponsors (29.4 percent) do not yet know what they will do to avoid it. read more
  • Small Biz Health Care Survey: Affordability Still a Major Concern Small Biz Health Care Survey: Affordability Still a Major Concern

    Top 5 Affordable Care Act Tips to Help Small Businesses
    Prepare Before Closing of Open Enrollment Period

    Over 66% of small business owners responding to a new survey conducted by the National Association for the Self-Employed (NASE) ranked “decreasing monthly premiums” as the one thing they would change about their current health care plan. read more
  • Despite Coverage Satisfaction, Medical Costs Rank as Top Fear Despite Coverage Satisfaction, Medical Costs Rank as Top Fear eHealth, Inc. (NASDAQ: EHTH) (eHealth.com), the nation's first and largest private online health insurance exchange, today released a study showing that while the majority of Americans identify themselves as healthy (84%), financially secure (66%), and satisfied with the value of their health insurance (86%), the cost of health care and inability to afford a medical emergency rank as top financial fears. read more
  • An Innovative Solution to Rising Healthcare Costs An Innovative Solution to Rising Healthcare Costs

    Time to start putting more emphasis on 'health' than 'care'

    by Mark S. Gaunya, GBA

    Healthcare costs are soaring. American healthcare spending reached $2.9 trillion in 2014 – and will exceed $4 trillion by 2018 if left on its current course. The Affordable Care Act (ACA) is exacerbating the problem through additional taxes, fees and assessments. read more
  • Actuaries Call for Administration to Focus on Aging Actuaries Call for Administration to Focus on Aging

    Definitive strategy needed for retirement security, lifetime income

    The American Academy of Actuaries is calling on the president and the 114th Congress to commit to a focus in the next two years on addressing the needs of an aging America. read more
  • Proposed Retirement Savings Cap  Could Have Big Impact Proposed Retirement Savings Cap Could Have Big Impact

    1-in-10 likely to hit proposed cap prior to age 65

    The Obama administration’s proposal to cap tax-favored retirement savings plans could affect significant numbers of workers should interest rates return to their historically higher levels, according to a new analysis by the nonpartisan Employee Benefit Research Institute (EBRI). Using its proprietary Retirement Security Projection Model,® EBRI’s simulation results for 401(k) participants (assuming no defined benefit accruals and no job turnover) show that more than 1 in 10 current 401(k) participants are likely to hit the proposed cap sometime prior to age 65, even at the current, albeit historically low, discount rate of 4 percent. read more
  • Losses Persist at Majority Of Health Co-ops Losses Persist at Majority Of Health Co-ops

    While enrollment grew, it falls short of previous year

    Total enrollment in the Consumer Operated and Oriented Plans (Co-ops) established under the Patient Protection and Affordable Care Act exceeded 500,000 as of Sept. 30, 2014. read more
  • Taking the Right Precautions For  A Family Member With Dementia Taking the Right Precautions For A Family Member With Dementia Not every person struggling with dementia lives in a nursing home or assisted-living facility. In fact, more than 15 million Americans – usually family members or friends – provide unpaid caregiving to people with Alzheimer’s disease and other forms of dementia, according to a 2014 report by the Alzheimer’s Association. read more
  • Four Trends in Non-Traditional Voluntary Benefits Four Trends in Non-Traditional Voluntary Benefits

    Non-traditional products continue to evolve and rise in popularity

    With traditional voluntary benefits becoming almost a standard inclusion in the employee benefits package, non-traditional voluntary benefits are the new trend as the variety of offerings continue to evolve and rise in popularity. read more
  • More Are Getting, and Affording Needed Health Care More Are Getting, and Affording Needed Health Care

    For the first time, uninsured rates plummet,
    particularly Among young & low income

    The number of Americans reporting they did not receive needed health care because of its cost dropped for the first time since 2003, falling from 80 million in 2012 to 66 million, according to The Commonwealth Fund’s 2014 Biennial Health Insurance Survey. read more
  • Retirement Plan Participants Want Lifetime Income Estimates Retirement Plan Participants Want Lifetime Income Estimates

    Study: Would Help Boost Savings Rate

    The Insured Retirement Institute (IRI) today released a new study revealing that the overwhelming majority of consumers want their retirement benefit statements to provide an estimate of lifetime income. read more
  • U.S. BCBS Plans Suffer Post-ACA Profitability Declines U.S. BCBS Plans Suffer Post-ACA Profitability Declines

    But Capitalization Remains Strong

    The Blue Cross Blue Shield insurance companies (the Blues) were among the first insurers to participate strongly in the U.S. public exchanges. In most states they ended up with a dominant share of exchange enrollees at the end of the first annual enrollment. read more
  • Pension Funding Drops 2% Pension Funding Drops 2%

    No Reversal in Q4, Funding Ratios Decline for Fourth Consecutive Quarter

    The UBS Global Asset Management US Pension Fund Fitness Tracker saw the funding ratio of the typical corporate US pension plan drop by approximately two percentage points to 87% in the fourth quarter of 2014. "Overall, 2014 was a negative year for US corporate pension plans, as we estimate that the average funding ratio declined by about 8 percent. read more