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Commentary: Employees can make the transition to high-deductible health plans and be successful when provided some key education and support from the financial services marketplace.
If I had a dollar for every time an industry professional reacted to my choice of college major with, Risk Management and Insurance? I didnt know you could major in that, I would be a rich man. From what I see, many people who make up the industry did not set out with the intention of working in insurance or employee benefits. So why would a young professional just entering the job market choose employee
Commentary: Despite all the media coverage of the Affordable Care Act, there is still a fair amount of confusion and misunderstanding about the law, even among employees whose job it is to administer benefits.
Commentary: When evaluating the nonmedical space and the products with the greatest level of applicability to an employee, auto and home insurance provide significant protection, comfort and well-being to an employee and their family.
There may be a convergence of public and private exchanges and if that happens carriers need to adopt a more holistic approach and consider multiple retail channels to distribute their products as part of a multi-carrier approach or alliances such as those seen within the CO-OP market.
The Equal Employment Opportunity Commission released a proposed rule today on wellness programs, removing what at least one business group calls a big cloud that has been hovering over employers as they struggle to ensure their wellness incentive programs dont run afoul of the EEOC.
Ownership of life insurance has been on a steady decline, and the reason many experts point to are other more pressing financial priorities particularly with retirement income becoming such a hot priority.
Commentary: By shifting some of the focus to the advisers, the DOL is getting closer to the heart of the problem, but it still doesnt go far enough.
Commentary: ERISA lawyer shares 9 initial reactions to the Department of Labors proposed fiduciary definition rule, including how the proposal differs from the DOLs 2010 effort.
Commentary: The new proposal will provide greater transparency regarding fees and a uniform definition of who is a fiduciary.
Technical difficulties may have marred public exchanges' first year of operation, but at least providers were able to breathe a collective sigh of relief about not being inundated with a sharp increase in new or sick patients scheduling appointments.
The Affordable Care Act has increased the burden for benefit professionals and forced employers to alter their business practices to comply with the health care reform law, industry experts told Congress.
Its not often a company finds itself in a market position where it has the flexibility and agility of a newcomer, along with a storied history that provides name recognition and a solid base of existing expertise. Global financial services giant AXA is in this sweet spot as it enters the U.S. employee benefit business for the first time.
A plans average account balance is a key metric used by recordkeepers and other service providers to evaluate its health. Increasing it can give sponsors the leverage they need to negotiate lower fees.
While several reasons have been suggested for a plateau effect in public exchange enrollment, it may all come down to dollars and cents, as well as carrots and sticks.
Of the people who purchased health insurance through a public exchange in 2014, 9% more federal exchange participants re-enrolled compared to the state-run marketplaces.
A third of employers say theyve experienced fines and penalties in the past year because of non-compliance with government regulations, many of which they are simply unaware of. For many, expert advice from benefit advisers could be a real solution.
Enrollment in private health care exchanges hit 6 million for the 2015 plan year, according to Accenture doubling the 3 million figure from 2014. Most of the growth is in the mid-market segment.
Some universities that provide health insurance to their students are stopping the practice, as they say the Affordable Care Acts minimal essential health benefits requirements have led to unsustainable cost increases. Those that remain are turning to their brokers to determine the best way to continue offering coverage to their students.
Employees of all ages want disability coverage, but rising health care costs, stagnant wages and cost-shifting keep participation rates low.
