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Don't Let Disability Derail Long-Term Financial Security: Enhancing Retirement Security in a DC World. 不要让残疾破坏长期财务保障:在DC世界中加强退休保障。
Benefits quarterly
Pub Date : 2016-01-01
Anna M Rappaport

Long-term disability (LTD) protection, such as a defined contribution (DC) disability supplement, is critical for good long-term security in a DC environment. For those with a strong LTD program already in place, this challenge can be addressed by providing a DC disability benefit that replaces DC contributions during periods of LTD. If there is no LTD program, that is needed first. Appropriate disability coverage is vital if the DC system truly is to deliver long-term retirement security. This article discusses issues in achieving such coverage and provides ideas to help in developing programs. Few such programs exist today, but it is hoped that this article will encourage more employers to adopt them.

长期残疾(LTD)保护，如固定缴款(DC)残疾补充，对于在DC环境中获得良好的长期安全性至关重要。对于那些已经拥有强大有限责任公司计划的公司，可以通过在有限责任公司期间提供固定给付伤残津贴来取代固定给付津贴来解决这一挑战。如果没有有限公司程序，首先需要。如果固定缴费制度真的要提供长期退休保障，适当的残疾保险是至关重要的。本文讨论了实现这种覆盖的问题，并提供了帮助开发程序的想法。目前这样的项目已经很少了，但希望这篇文章能鼓励更多的雇主采用这些项目。
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引用次数: 0
Workplace Financial Wellness Programs Help Employees Manage Health Care Changes. 职场财务健康计划帮助员工管理医疗保健的变化。
Benefits quarterly
Pub Date : 2016-01-01
Cynthia Meyer, Michael C Smith

Employers and employees are navigating major changes in health insurance benefits, including the move to high-deductible health plans in conjunction with health savings accounts (HSAs). The HSA offers unique benefits that could prove instrumental in helping workers both navigate current health care expenses and build a nest egg for much larger health care costs in retirement. Yet employees often don't understand the HSA and how to best use it. How can employers help employees make wise benefits choices that work for their personal financial circumstances?

雇主和雇员正在应对医疗保险福利的重大变化，包括转向与健康储蓄账户(HSAs)相结合的高免赔额健康计划。HSA提供了独特的福利，可以帮助员工控制当前的医疗费用，并为退休后更大的医疗费用建立一笔储备金。然而，员工往往不了解HSA，也不知道如何最好地使用它。雇主如何帮助雇员做出明智的福利选择，以适应他们的个人财务状况?
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引用次数: 0
Examining the Evolution of Paid Parental Leave. 带薪育儿假的演变。
Benefits quarterly
Pub Date : 2016-01-01
Carol Sladek

While the United States continues to be the only developed nation without mandated paid maternity leave, U.S. employers are blazing their own trail for new parents. This article defines parental leave, explains what's driving the increased interest in paid parental leave among employers offering it and discusses how paid parental leave can benefit employers and employees alike. Finally, the author discusses why not all employers are offering these benefits as well as considerations for employers contemplating whether paid parental leave is right for them.

虽然美国仍然是唯一一个没有强制性带薪产假的发达国家，但美国的雇主们正在为新父母开辟自己的道路。这篇文章定义了育儿假，解释了提供带薪育儿假的雇主对带薪育儿假越来越感兴趣的原因，并讨论了带薪育儿假如何使雇主和雇员都受益。最后，作者讨论了为什么不是所有的雇主都提供这些福利，以及雇主考虑带薪育儿假是否适合他们的考虑。
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引用次数: 0
Integrated Disability Management: Implementing a Customized Whole-Person Approach. 综合残疾管理:实施定制的全人方法。
Benefits quarterly
Pub Date : 2016-01-01
Phil Bruen

This article describes how incorporating integrated disability management can address business challenges. It includes case studies featuring organizations that used a "whole-person approach" to result in (1) greater and more effective communication and reporting, (2) more satisfied and productive employees and (3) cost savings through quicker return to work when legally and medically appropriate, all in alignment with the particular needs of a given firm. One size most definitely does not fit all.

本文描述了如何整合集成的残疾管理来解决业务挑战。它包括一些案例研究，这些组织采用了“全人方法”，以实现(1)更大、更有效的沟通和报告;(2)更满意、更高效的员工;(3)在法律和医疗上合适的情况下，通过更快地重返工作岗位节省成本，所有这些都符合特定公司的特殊需求。一种尺寸绝对不适合所有人。
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引用次数: 0
Pharmacies Denied Injunction Against Pharmacy Benefit Manager. Grasso Enterprises, LLC v. Express Scripts, Inc., 809 F.3d 1033 (8th Cir. Jan. 11,2016). 药房驳回对药房福利经理的禁令。Grasso Enterprises, LLC诉Express Scripts, Inc.， 809 F.3d 1033(2016年1月11日第8庭)。
Benefits quarterly
Pub Date : 2016-01-01
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引用次数: 0
Fund Reimbursement Under Subrogation Provisions. Central States Health and Welfare Fund v. Lewis, 745 F.3d 283 (7th Cir. 2014). 根据代位求偿规定偿还基金。中央国家卫生和福利基金诉Lewis案，745 F.3d 283(2014年第7卷)。
Benefits quarterly
Pub Date : 2015-01-01
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引用次数: 0
Accidental Death and Dismemberment Benefits. Green v Life Ins. Co. of North America, 754 F.3d 324 (5th Cir. 2014). 意外死亡和伤残津贴。绿色vs生命。北美股份有限公司，754 F.3d . 324(2014年5月)。
Benefits quarterly
Pub Date : 2015-01-01
{"title":"Accidental Death and Dismemberment Benefits. Green v Life Ins. Co. of North America, 754 F.3d 324 (5th Cir. 2014).","authors":"","doi":"","DOIUrl":"","url":null,"abstract":"","PeriodicalId":79563,"journal":{"name":"Benefits quarterly","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2015-01-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"34192382","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
ERISA Preemption. Central States, Southeast & Southwest Areas Health & Welfare Fund v. Gerber Life Ins. Co., 771 F.3d 150, 151 (2d Cir. 2014). ERISA抢占。中部各州、东南和西南地区卫生和福利基金诉格伯人寿保险公司案。中国科学院学报，771 F.3d . 150, 151(2014年第2卷)。
Benefits quarterly
Pub Date : 2015-01-01
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引用次数: 0
Impact of Long-Term Care on Retirement Wellness. 长期护理对退休健康的影响。
Benefits quarterly
Pub Date : 2015-01-01
Anna M Rappaport

Retirement wellness is the result of retiring at an appropriate age, saving enough and managing risks appropriately. One of the major risks that often is not addressed effectively is the long-term care (LTC) risk, i.e., the risk of needing help due to physical or cognitive limitations. In 2014, the Society of Actuaries issued a call for papers on the link between LTC and retirement security. This article will discuss the topic of LTC and retirement security broadly, drawing from several of the papers. Some of the topics include the impact of LTC on the individual, family members and caregivers; modeling results showing the impact of LTC on assets needed for a secure retirement; alternative methods of financing LTC; the link between housing decisions and LTC; and some ideas for the future.

退休健康是在适当的年龄退休，足够的储蓄和适当管理风险的结果。长期护理(LTC)风险是经常没有得到有效解决的主要风险之一，即由于身体或认知限制而需要帮助的风险。2014年，精算师协会(Society of Actuaries)发布了一份关于LTC与退休保障之间联系的论文征集。本文将从几篇论文中广泛讨论LTC和退休保障的主题。其中一些主题包括LTC对个人、家庭成员和照顾者的影响;建模结果显示LTC对安全退休所需资产的影响;LTC融资的替代方法;住房决策与长期居住成本之间的联系;以及对未来的一些想法。
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引用次数: 0
... But employer need not be a mind reader. Lanier v. Univ. of Texas SW Med. Ctr., 527 Fed. Appx. 312 (5th Cir. 2013). …但雇主不必是一个读心术的人。拉尼尔诉德克萨斯大学西南医学中心案。，第527卷第312卷(2013年第5卷)。
Benefits quarterly
Pub Date : 2014-01-01

While employees need not use the specific words "FMLA leave" when providing such a request, they need to provide sufficient notice to the employer to make it aware of their needs for qualified leave.

虽然雇员在提出这样的要求时不必使用“FMLA休假”这个具体的词，但他们需要向雇主提供足够的通知，使其了解他们对合格休假的需求。
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引用次数: 0
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