Employer Strategies

The employee benefits market in Southeast Michigan historically has been heavily union-oriented. As a result, the rich benefit packages had little need for voluntary coverage offerings such as hospital indemnity plans.

Facbook has trickled down into the diseases management space for diabetics, while a study examining a chronic care program for heart disease shows that a sophisticated approach to harmonizing care can reduce health costs.

To ring in the new year, party like it's 1970! Since that year, January has been recognized as National Blood Donor Month. Being a blood donor saves lives - definitely not a shabby New Year's resolution, not to mention the free post-donation doughnut and cookies.

Once the C-suite realizes the term "company culture" isn't just cliche corporate-speak, executives likely will start to ask what they can do to improve engagement levels. Then, HR/benefit professionals have an opening to move the culture discussion from intangible to tangible.

As many employers navigate their first months of compliance with the Patient Protection and Affordable Care Act, it could be assumed that employees are enjoying the quiet before the storm.

In the voluntary benefits business for more than a decade, Nashville's Karen Quigley knows a tidal change when she sees one. With carriers increasingly entering the core voluntary market and health care reform looming large over the whole industry, Quigley knew it was time to adapt.

Though January is just another month on the calendar, it is filled with hope - and sometimes, with trepidation. So in keeping with that spirit, here are some thoughts on what is likely to happen this year.

In a year replete with bad news, one of the most encouraging pieces of good news in 2010 was an uptick in the rate of growth of consumer-directed health plans. By the end of this year, more than 60% of U.S. employers are expected to offer a CDHP, according to a July 2010 GAO report.

President Obama recently signed into law the Red Flag Program Clarification Act of 2010, which exempts health care providers, attorneys and certain other service providers from provisions of the Red Flags Rule to combat identity theft.

The start of the New Year ushers in a series of new regulatory, compliance and legislative changes that could potentially affect every small business.