Employer Strategies

The benefits industry is awaiting several rulings from the Supreme Court of the United States expected in 2016 that could have far-reaching effects on the administration and cost of operating employee benefit plans.

Outliving retirement savings is an issue that individuals must face, and a qualified longevity annuity contract is one way to address the problem as lifespans increase.

The Supreme Court heard arguments in Montanile v. Board of Trustees of the National Elevator Industry Health Benefit Plan and will determine if, under ERISA, a reimbursement to an employee benefit plan can be recovered if the beneficiary has already spent the funds he or she recovered from a third party.

The Supreme Court heard arguments in Montanile v. Board of Trustees of the National Elevator Industry Health Benefit Plan and will determine if, under ERISA, a reimbursement to an employee benefit plan can be recovered if the beneficiary has already spent the funds he or she recovered from a third party.

Commentary: The reality is that the CO-OPs could not overcome the most vital aspect of our insurance infrastructure: maintaining adequate reserves, says adviser David C. Smith.

Dental plans are innovating with new technologies, and boosting participation in the process.From mobile apps to virtual ID cards to gamification and even Bluetooth smart brushes, it’s not your father’s dental plan anymore. Brokers seeking innovative plan designs for employers should take note. The future is here.

The ongoing escalation of complex regulations for health insurance plans has made it extremely difficult for just about every employer to comply. More than five years after passage of the Affordable Care Act, the compliance requirements not only continue to add up, but also to shift around.

Commentary: Advisers focused on life insurance and financial planning are missing an opportunity to stand out by introducing DI into the discussion.

Analytics are driving benefit design to ensure compliance with ACA requirements and determine potential liability under the Cadillac tax.

Commentary: Executives are starting to acknowledge that engagement alone won’t drive long-term results.