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- Max Out Your Benefits
- If you're not taking advantage of your employee benefits, it's like turning down part of your salary. Eric Schurenberg tells you what you may be missing.
- Videos 2009-11-09
- Moving On: Employee Benefits
- One should out about the employment related benefits that one may be eligible for when he or she resigns, gets fired, or gets laid-off from his or her job. This paper provides information on unemployment insurance, giving notice, writing a resignation letter, health insurance, retirement plans, workers compensation, disability, references...
- White papers
- Addressing Employee Benefit Cost and Control Issues - The Case for Coalition Purchasing
- The growing ability of benefit costs to directly affect the bottom-line has caught the attention of those charged with corporate stewardship, rapidly pushing the management of employee benefit programs to the level of core business strategy. The result has been an expanded use of coalitions, and in some leading companies,...
- White papers 2004-02-01
- Using Captives for Employee Benefit Risks
- The ground-breaking U.S. regulatory exemption that has allowed Columbia Energy to use its captive insurance company to finance employee benefit risk has not resulted in a groundswell of activity there, but elsewhere there is interest and talk of their enormous potential among human resources HR and risk managers alike. This...
- White papers 2002-10-03
- Captives and Employee Benefits: The "Whys" and "Hows"
- Recent announcements seem to be heralding a trend reinsurance of group welfare benefit plans (e.g., life, disability) by captive insurance companies (often referred to merely as "captives"). As of this writing, four major corporations (Columbia Energy, Archer Daniels Midland, International Paper, and SCA) have reinsured their group benefit programs through...
- White papers 2004-06-22
- HIPAA And Employer Group Health Plans: Nothing Is Simple
- Employee benefits are the assortment of rewards and compensation schemes that move from the employer to the employee. It is an effective instrument for boosting the motivation level of the employees. A health plan is a type of employee benefit wherein the company provides for or pays the cost of...
- Presentations 2003-03-26
- How To Handle An Employee Benefit Windfall
- From the executive summary: ‘When the arcane word demutualization pops up in the news, CFOs should pinch themselves to stay awake. The reason being that if an employee benefits provider demutualizes, or transforms itself from a mutual to a stock company, its policyholders could get million-dollar windfalls in cash or...
- White papers 2001-05-10
- Taming the Monster
- This paper deals with the insurance policies adopted by the companies for their employees. Companies are turning to captives to contain escalating costs for employee benefit plans. In January, SCA, a Stockholm-based consumer products company with $8.8 billion in 2002 revenues, implemented a global program to cut the costs of...
- White papers 2003-07-01
- Communicating Benefit Matters In the Wake Of An Economic Downturn
- From the executive summary: ‘A downturn in the economy can have a ripple effect on a company's employee benefit packages. A company's worsening profit picture can force to offer enhanced early retirement packages or to decrease matching contributions to its 401k plan. Thus, how one communicates the aforesaid situation and...
- White papers 2003-01-01
- Converting Unused Vacation Days To Retiree Medical Benefits: A Proposed Partial Solution To An Emerging National Crisis
- A medical benefit plan is an important component of the overall retirement plan of a retiree. In recent years, however, organizations are finding that the costs of the retiree medical benefit plans are increasing. They have found a route to fund this area of compensation with little or no financial...
- White papers 2003-06-01
- The Changing Nature Of "Private Promises": The Treatment Of Private Pension Plans Upon Divorce
- From the executive summary: ‘A Qualified Domestic Relations Order QDRO is a domestic relations order issued by a State court and deemed by a pension plan's administrator to be "qualified" under the standards of the Internal Revenue Code. In the event of divorce, only a "qualified" order may legally apportion...
- White papers 2004-06-01
- Safe Harbor 401(k) Chart
- From the executive summary: ‘The safe-harbor 401k plan is an employee benefit retirement plan suitable for corporations, partnerships, sole proprietors, and non-profit organizations. Each employer's goals, plan design, contribution sources and demographics form a unique scenario. The employer will wish to discuss the same with his or her plan provider...
- White papers 2003-05-16
- Implications of an Aging and Longer Living Global Population
- In global businesses and HR environments, the aging of the population and increased life expectancy will continue to have a dramatic impact on planners and strategists. Most of the discussion about this phenomenon has focused on birthrates, life expectancies, average ages and the related economic, social and political implications. This...
- White papers 2004-03-11
- E-Tool Provides Backbone for Global Benefits Management
- Growing from a domestic corporation to a multinational offers many opportunities as well as challenges. One challenge that global HR managers face is coordinating employee benefits information around the world. With Aon Consulting's Global Benefit Manager, a one-stop system that accurately tracks critical data and details of the various employee...
- White papers 2003-12-23
- Executing a Quick Acquisition
- A chemical manufacturer planned to expand its presence outside the US by acquiring a division of a much larger US multinational. The combined entities with multiple locations in 35 countries and 25,000 employees needed to be consolidated, requiring the closure of several offices and the severance of some employees. Using...
- Case studies
- Flexible Employee Benefits: Be Prepared
- The best way to prepare for the realities of starting a flexible employee benefit flex plan is to talk to people from other companies who have done just that. If it all seems a little daunting, now might be the time to consider working with an outside agency. From the...
- White papers 2004-05-07
- Watson Wyatt Submission on Employee Benefit Plans and the Insurance Act: A New Approach
- Watson Wyatt believes that the recently-enacted Regulations to Alberta's Insurance Act, 1999 the Act, which require that plan sponsors must either independently insure their benefit plans or offer them through a joint employer-employee association do not meet the government's aim of providing employees, particularly those in receipt of Long-Term Disability...
- White papers 2002-10-18
- The Captive Option for Employee Benefits
- A captive is an insurance company that's owned by a corporation whose primary business is not insurance. The captive provides coverage only for its parent organization. Insuring employee benefits through a captive has been problematic because the Employee Retirement Income Security Act ERISA expressly forbids transactions between an employee benefit...
- White papers 2005-10-01
- A New Strategy for Financing Employee Benefits
- This article reports that noting a new trend in employee benefits financing several large companies have recently reinsured their employee benefits plans through domestic captives or domestic branches of offshore captives. These companies have been seeking cost savings on their employee benefits programs, as well as risk diversification for their...
- White papers 2005-09-19
- The Relationship Between Income and Health Insurance; Retirement Annuity and Employment-Based Pension Income; and Facts From EBRI: Finances of Employee Benefits, 1960-2003
- The census bureau finds that individual with family income of $50,000 or more account for 11 million individuals (or 25 percent of the uninsured) and is the fastest-growing segment of the uninsured. This report examines why this apparently high-income population does not have health insurance coverage. The most recent Census...
- White papers 2005-02-01
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