Employee benefits

Commentary: Blogger Aaron Friedman reports good news for benefit advisers interested in working with employers on 403(b)s

The United States Supreme Court ruled that funds held in an “inherited IRA” are not retirement funds. As such, these funds are not exempt from the IRA holder’s bankruptcy estate and are subject to the claims of creditors in bankruptcy.

As business leaders and government officials cope with surging health care costs, one global think tank is estimating that up to $303 billion can be saved through a healthier workforce should chronic disease prevention efforts in the workplace become the norm.

Commentary: With all the controversy around the new fiduciary definition, blogger Jerry Kalish reminds benefit advisers and brokers that there’s on fiduciary protection that is not in question — the support from the retirement plan.

Advisers working with employer clients on ACA compliance should pay close attention to the DOL’s recent updates on out-of-pocket limits and preventive service requirements.

Private exchanges increasingly will feature single-carrier rather than multicarrier networks as well as more expansive product lines.

Advisers can help employers boost employee benefit enrollment with better employee education and communication.

For almost half the country, retirement might not be all golf games and trips to see grandkids, as many will be partially working in or through their golden years.

Looking toward 2015 open enrollment, experts say Healthcare.gov will be a vastly better place but work continues on some back end functionality.

Former HHS Secretary Kathleen Sebelius and Kentucky Governor Steve Beshear discuss what key factors led to Obamacare’s 8 million enrollees

The accessibility of specialty prescription drugs may be as elusive on the Affordable Care Act’s health care exchanges as it typically has been off of the exchanges, and trusted advisers need to be able to navigate both discussions with clients.

Will virtual currencies supplant the dollar as the currency of choice for international transactions? Probably not any time soon. Recently the Securities and Exchange Commission, Financial Industry Regulatory Authority and the Internal Revenue Service issued statements designed to strongly discourage the use of virtual currencies.

Employers focused on Obamacare may be missing one of today’s most important compliance issues: benefits for same-sex married couples. Since June 2013, when the United States Supreme Court ruled in U.S. v. Windsor that a federal statute limiting the terms “spouse” and “marriage” to couples of the opposite sex was unconstitutional, a sea-change has taken place in national attitudes about same-sex marriage.

Starbucks is helping its full- and part-time employees earn college degrees through a partnership with Arizona State University's online program beginning this fall.

Search engine giant Google will soon introduce Google Fit, a new mobile platform service to collect, aggregate and analyze data from wearable health fitness tracking products and health care apps. Google's service will enter a competitive market that got larger on June 16 when WebMD launched a program to make biometric data understandable and actionable on iPhones.

Several benefit brokers share their experiences with using TV ads during open enrollment 2014.

The IRS has launched a compliance check program to better understand how plan sponsors are complying with Roth deferral provisions in 401(k) plans. If asked to participate, failure to to respond could trigger an audit.

Insurance carriers are proposing a series of solutions to make the ACA exchanges more consumer-friendly, but not all brokers and agents agree with the ideas.

The state of Massachusetts officially repealed the employer pay-or-play regulations that were part of its landmark 2006 health care reform law. Similar to the employer mandate in the Affordable Care Act, the state statute required employers of a certain size to either offer health care coverage to their employees or pay a fine.

The harsh reality for a couple retiring at age 65 this year is that they will need a small fortune just to cover their medical expenses in retirement.