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- Employers Too Generous With Health Benefits?
- Ninety-nine percent of companies are offering some type of health insurance coverage. As Health-care costs are rising, even then many employers continue to provide generous health-care benefits to workers. Employers, apparently, are holding the line on health benefits despite the current wave of stiff price increases. Rather than risk losing...
- White papers 2002-04-12
- CFOs May Question The Value of Health Benefits
- With the explosion in health care costs, senior financial executives have reason to question why their companies are offering benefits in the first place and plan to cut or eliminate coverage for certain services. Seeking to cut administrative burdens as well as costs, employers are turning to the Internet to...
- White papers 2001-03-27
- State health benefits program
- The purpose of this paper is to provide you with information about the State Health Benefits Commission SHBC which is the executive organization responsible for overseeing the State Health Benefits Program SHBP. The SHBC includes the State Treasurer as the chairperson, the Commissioner of the Department of Banking and Insurance...
- White papers 2003-01-01
- State health benefits program
- The purpose of this paper is to provide you with information about the Employee Prescription Drug Plan is offered to Eligible State of New Jersey employees and their dependents. Eligible employees of State colleges and universities and participating independent State commissions, authorities, and agencies and their dependents. Eligible employees of...
- White papers 2003-01-01
- Enrolling in the State Health Benefits Program When You Retire
- The purpose of this paper is to provide you with information, who are eligible for employer-paid health insurance coverage until their retirement date, will be offered State Health Benefits Program SHBP coverage for themselves and their eligible dependents when they retire.
- White papers 2002-01-01
- Health Benefits Options When Terminating Employment
- When you terminate employment due to retirement, resignation, or a reduction in force, or your hours are reduced so that your status becomes part-time, you and/or your dependents may be eligible to continue health benefits coverage. Three options are available for continuing health benefits coverage depending on your termination status...
- White papers 2001-06-01
- State Health Benefits Program Retired
- Some employers will pay for health benefits coverage for their retired employees. For those who do not, Chapter 330, P.L. 1997, provides eligibility for enrollment in the State Health Benefits Program SHBP to certain retired local police officers and firefighters with part of the cost paid by the State. It...
- White papers 2000-12-01
- Retiree Health Benefits Said to Be at Risk
- This case study by the employee benefits consulting firm Watson Wyatt World finds that large employers that typically pay more than half their retirees' medical expenses will be paying less than 10 percent by 2031. Read the article to know why the retiree health benefits are said to be at...
- White papers 2002-12-10
- A Refresher on Employee Health Benefits
- A question which arises is that what is meant by the term "employee benefits"? One can use a broad definition or a narrow definition. A broad definition would include programs as the company pension plan, paid vacations, subsidized housing and car loans, company-financed training and education programmes, perquisites such as...
- White papers 2002-01-01
- Retiree Health Benefits – The Divergent Paths
- The current environment regarding retiree health benefits is complex, multifaceted, and evolving. This is generating significant controversy and litigation. There is no current effort by government, business or other interested parties to comprehensively evaluate this situation and develop appropriate long-term solutions to the problems. It is clear that employers that...
- White papers 2003-01-01
- ERISA Preempts Discrimination Action When Employer Stops Health Benefits
- The California Workers' Compensation Appeals Board ruled that an employer couldn't be liable under Labor Code Section 132a when it discontinues health benefits provided pursuant to an ERISA plan. This decision permits an employer with an ERISA regulated health plan to discontinue paying for employee health benefits for employees on...
- White papers 2002-07-15
- Retiree Health Benefits Litigation
- The Age Discrimination in Employment Act ("ADEA") generally requires employers to provide Medicare-eligible retirees with the same level of health benefits coverage as pre-Medicare retirees, prompted many employers to begin reexamining the design of their retiree health benefits plans. In a July 17, 2001 meeting with employer trade groups, EEOC...
- White papers 2003-05-01
- Retiree Health Benefits Get EEOC Suport
- This article says that employee should review the terms of their retiree health plans in light of the proposed ADEA exemption. In particular this review should identify any provisions which alter, reduce or eliminate benefits on account of an age other than Medicare eligibility. Changing retiree health programs also needs...
- White papers 2003-07-01
- Small Employers Wrestle With Benefit Costs
- It has been observed, that in a sluggish economy, most small organizations are critically viewing the employee benefits. As a result, health providers are adopting innovative techniques to increase the profits. The small companies are wrestling with the idea of benefit costs and are cutting down the health benefits. The...
- White papers 2003-01-01
- Creative Solutions
- From the executive summary: ‘Self-funded health benefit plans prove costly in the long-run. One big difference for sponsors of self-insured plans, however, is the wide range of alternatives their Third-Party Administrators TPAs are able to bring to the table in the battle to maintain valuable benefits without busting employer budgets.'...
- White papers 2003-09-01
- Reaching For Perfection -- Employer-Sponsored Plans Find That Hard Work And Good Intentions Still Leave Many Out Of Compliance
- From the executive summary: ‘Employers have spent countless hours and many millions of dollars to bring their health benefit plans into compliance with myriad Federal rules and regulations that govern them. However, despite the hard work and the best of intentions, experts say, many employers have still failed to reach...
- White papers 2003-05-01
- A New Design For Health Benefits
- From the executive summary: ‘The basic health plan for the future will employ deductibles, co-insurance, out-of-pocket limits, negotiated fees, and comprehensive coverage for all health care services. There will be no fixed dollar amount co-payments for any services. Rather, all services, including prescription drugs, will be reimbursed under the co-insurance...
- White papers 2003-01-01
- Time To Rethink Health Benefits In The Employer Setting
- From the executive summary: ‘Managed care costs less and premium trend factors are lower than other forms of health benefit programs. Coverage levels are higher; participants like their plans and withdrawal rates are low. However, managed care is trapped between physicians who have been squeezed to their limit and politicians...
- White papers 2003-01-01
- Model Regulation to Implement the Small Employer Health Insurance Availability Model Act
- This regulation is intended to implement the provisions of the Small Employer Health Insurance Availability Model Act (Prospective Reinsurance with or without an Opt-Out) (the "Act"). The Act and regulation are intended to regulate all health benefit plans sold to small employers, whether sold directly or through associations or other...
- White papers 2001-03-19
- Do Retiree Health Benefits Cause Early Retirement?
- In this paper, the author builds a simple model to show that individuals in poor health and with poor outside insurance options value retiree health benefits more than those in good health and with better outside insurance options. The author then use these variations in the valuation of health benefits...
- White papers 2002-11-01
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