Employee Benefit Views
  • Using behavioral economics to understand disability insurance purchasing decisions

    July 25, 2014

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

    Posted by James V. Gemus at 08:56AM. Comments (0)
  • 3 questions to ask before moving to a private exchange

    July 24, 2014

    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. Itís 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.

    Posted by Andrew Bloom at 09:35AM. Comments (0)
  • 5 ways to avoid a DOL audit of your 401(k) plan

    July 22, 2014

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

    Posted by Robert C. Lawton at 10:22AM. Comments (0)
  • Opinion: Halbig decision creates new level of uncertainty for Obamacare

    July 22, 2014

    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.

    Posted by Bob Christenson at 04:38PM. Comments (0)
  • The ACA shared responsibility excise tax’s missing link: employer rights

    July 21, 2014

    Confusion is still circling the Affordable Care Actís 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.

    Posted by Ann Caresani at 09:50AM. Comments (0)
  • American Heart Association’s wellness policy sells outdated science

    July 18, 2014

    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.

    Posted by Linda K. Riddell at 02:33PM. Comments (5)
  • Are all-ETF 401(k)s primed for a surge?

    July 16, 2014

    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.

    Posted by Duncan Rolph at 09:53AM. Comments (0)
  • Help your employees make the right 401(k) investment choices

    July 15, 2014

    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.

    Posted by Robert C. Lawton at 09:08AM. Comments (0)
  • Tool helps plan sponsors check up on advisers

    July 8, 2014

    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.

    Posted by Robert C. Lawton at 09:28AM. Comments (0)
  • This is your brain on stress

    June 30, 2014

    While you canít 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.

    Posted by Henry Albrecht at 09:43AM. Comments (0)
  • Where do employee rights start, and how far do they go?

    June 27, 2014

    Most workers know that they have rights that entitle them to be free of illegal discrimination and from retaliation for reporting concerns of illegal discrimination in the workplace. However, many workers do not realize that they have rights to be free from discrimination even prior to being hired.

    Posted by Tom Harrington and R. Scott Oswald at 09:39AM. Comments (1)
  • Intel, GE will check your wellness math

    June 26, 2014

    Wondering if your wellness program is delivering the goods or just delivering good profits to your vendor? Intel and GEís joint venture Validation Institute will tell you. Think of it as a new sheriff in the wild west of wellness ROI, armed with science and a calculator.

    Posted by Linda K. Riddell at 08:54AM. Comments (3)
  • 5 reasons 401(k) IRA rollovers are a bad idea

    June 24, 2014

    Many employees who change jobs choose to roll their 401(k) accounts into IRAs rather than leaving them in place or rolling them into their new employers 401(k) plan. Rolling a 401(k) account into an IRA is generally a really bad idea, for the following reasons.

    Posted by Robert C. Lawton at 09:50AM. Comments (3)
  • 5 tips to establish an internal controls system for 401(k) plan compliance

    June 23, 2014

    Recently, the Internal Revenue Service has focused enforcement activity on examining the implementation of a strong internal control system. The IRS has publicly stated that if a plan is selected for audit the agent will use their evaluation of the planís internal controls to determine whether the scope of the examination will be focused or expanded.

    Posted by Jared A. Rosen, CPA, MBA at 09:40AM. Comments (0)
  • SEC, FINRA and IRS issue bitcoin warnings

    June 17, 2014

    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.

    Posted by Robert C. Lawton at 09:19AM. Comments (3)

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