Banco Popular de Puerto Rico

Employees need disability insurance and most employers are offering a group solution. But what can be done to enhance employees’ adoption of their available coverage?

The move to a private exchange could be difficult for employees who generally are not accustomed to making benefits plan decisions for themselves, or who balk at the potential of an increased out-of-pocket burden. It’s incumbent upon employers to guide them through the transition to help them accept the idea that having more power and choice is a good trade-off to taking on more risk.

The immediate take-away for employers in the Halbig v. Burwell ruling is uncertainty about what the future brings for the Affordable Care Act. If the Halbig majority prevails, Obamacare has been dealt a serious, if not lethal, blow.

Improving employee communication and hiring a service provider to file the Form 5500 can help plan sponsors avoid a DOL audit.

Confusion is still circling the Affordable Care Act’s excise tax. But now, legal interpretation following Hobby Lobby says the Internal Revenue Service may literally need an act of Congress before it can collect these excise taxes.

Opinion: While some thought that expensive, broad-based health screening programs were a thing of the past, the AHA's policies may support practices that should have been abandoned long ago.

Having recently gained momentum in the investment world, exchange-traded funds carry a large amount of excitement. They commonly offer lower expense ratios and higher liquidity when compared to mutual funds while still providing diversification through broad exposure to all asset classes.

Employment education sessions are a critical way to get plan participants more involved in the personal choices they need to make to maximize their retirement account returns.

Retirement plan sponsors can do their due diligence on the good (and bad) of the financial advisers they work with by using tools such as FINRA's BrokerCheck.

While you can’t improve the health of your workforce without baseline measures and programs, a myopic health-risk-only strategy is a recipe for employee rejection, cultural conflict and poor results.