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- Wondrous Whey: Thanks to New Processing Technologies and Research Attesting to Its Health Benefits, Whey's Future Looks Bright
- Once deemed a bothersome ? and costly ? byproduct of cheese manufacturing, whey finally is enjoying some well-deserved respect. In reality, few other food ingredients can match it in terms of functionality and health benefits. Despite all this progress, as much as 30 percent of whey still is disposed of....
- White papers
- The Cost of Tax-Exempt Health Benefits in 2004
- The tax expenditure for health benefits is the amount of revenues that the federal government forgoes by exempting health benefits and spending from the federal income and Social Security taxes, including employer health benefit contributions for workers and retirees, health benefit deductions for the self-employed, health spending under flexible spending...
- White papers 2004-02-23
- Retiree Health Benefits: Options for Employment-Based Prescription Drug Benefits Under the Medicare Modernization Act
- The Medicare Prescription Drug, Improvement, and Modernization Act of 2003 MMA created a prescription drug benefit for beneficiaries, called Medicare part D, beginning in January 2006. The paper determines the trends in employment-based retiree health coverage prior to the MMA and which MMA prescription drug options plan sponsors said they...
- White papers 2005-02-01
- 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
- 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
- Health Benefits for Medicare-Eligible Military Retirees: Rationalizing TRICARE for Life
- This paper is directed primarily to policymakers within DoD and in Congress, but it may also be of interest to individuals at the Center for Medicare and Medicaid Services and to other readers interested in health insurance for the DoD/Medicare population. This paper was undertaken in the months preceding implementation...
- White papers 2004-10-14
- Retiree Health Benefits: Savings Needed to Fund Health Care in Retirement
- This article presents estimates of how much money a person will need to save to completely pay for health insurance and out-of-pocket health care costs during retirement. The combination of the erosion of retiree health benefits and limited benefits from Medicare and Medigap means that retirees should expect to pay...
- White papers 2003-02-01
- Union Status and Employment-Based Health Benefits
- This article examines the relationship between health benefits and union status. Union workers are much more likely to have employment-based health benefits than nonunion workers. In September 2003, 86 percent of union workers were covered by health benefits through their own job, compared with 59.5 percent of nonunion workers. The...
- White papers 2005-05-01
- Employment-Based Health Benefits: Trends in Access and Coverage
- This report examines the state of employment-based health benefits among workers with respect to offer rates, coverage rates, and take-up rates. It also examines how the state of employment-based health benefits has changed since the mid-1990s, reasons why workers do not have employment-based health benefits from their own employer, and...
- White papers 2005-08-01
- Retiree Health Benefits Now and in the Future: Findings From the Kaiser/Hewitt 2003 Survey on Retiree Health Benefits
- Employer-sponsored health plans are a critical source of health insurance coverage for retirees. This survey is designed to capture information on retiree health programs offered by large private-sector employers. The study focuses on large employers because these firms are far more likely than mid and small-sized firms to offer retiree...
- White papers 2004-01-09
- The Future of Retiree Health Benefits in Higher Education in the United States
- Employer provision of health insurance for retirees arose somewhat accidentally several decades ago when many employers did not understand the nature of the commitment they were making. Over the decades, all employer-sponsored health benefits have been subject to high rates of cost inflation. That phenomenon in combination with the common...
- White papers 2004-03-15
- Benchmarking Your Doctor Bills
- From the executive summary: ‘When employers and consultants gripe about the steep rise in health-benefit costs these days, car metaphors seem to crop up an awful lot. The rate of premium increases. Benefit costs, many note, are out of alignment with other corporate expenses. No doubt, when the price becomes...
- White papers 2001-11-05
- 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
- 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
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