Author: 4ybdon
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Consulting firms are reaping the benefits
We are trusted by some of Michigan’s largest agencies, brokers, consultants, carriers, etc. to provide independent, 2nd opinion and analysis to their clients. Trust us to provide the same to you.
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Actuarial reporting for OPEB, SEC, VEBA reserve statements, COBRA rates
Reporting is an increasing burden for all plans. Our Actuaries can help with the required reporting.
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Businesses, and Their Leaders, Should Keep The Faith
“In the spirit of American tolerance of religious diversity, A&E should reinstate Mr. Robertson and apologize for its religious bigotry,” quote from the Liberty Institute.
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Self funding for many employers is an awful idea
Self funding turns your business into an insurance company. Before making this move you must prepare an analysis without influence from the sales process. Beware of anyone who says you will save money. Call us, put our independence to work.
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A Money discussion everyone can understand.
The key question for you is if your credit card was maxed out at $107,000 would you borrow more? Would a bank give you more? Congress and our President are arguing over how much more to spend on your credit card.
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Required announcement for employees, samples and guidance …
Required employer notice explaining an employees ability to go to the marketplace to obtain coverage.
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Sticker Shock, Even for Boosters of Obamacare
A returning customer reacting to sticker shock said, “WOW, I am a supporter of providing insurance for more people, but this is awful.”
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23 Days into the ACA “Obamacare” rollout
Mike Rogers YouTube video, his commentary before congress on the roll-out of the ACA on day 23.
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A Note about older posts
Old “Blogger posts” have been consolidated into this one posting location. Over time I have posted blog pages, written articles, spoken on TV or been interviewed about employee benefits, healthcare, retirement and topics like that. I’ve not been consistent where these things have been located. If you know of posts I should retrieve, please let…
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ACA requires an actuary to “calculate appropriate adjustments to the AV”
Employer plan sponsors who use HRA accounts or wrapping programs must certify the plans actuarial value by using the IRS calculator, and in cases where the calculator doesn’t fit, an Actuary must certify.
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Changing Expectations
THURSDAY, OCTOBER 6, 2011 Changing Expectations Yesterday I spent three hours with students in their 20s who are thinking about working in the HR and benefit field. It is a surprise to see the generational difference, to understand what their expectations are for their benefit plans and, in particular, for their future and their retirement.…
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Health Reform is here
MARCH 2010 Health reform was the initial plan but what we got was health insurance change. Here is a collection of quotes in late March, 2010. Aspen Institute CEO Walter Isaacson talks politics, media in Holliday Forum “The downside of the bill is that we shouldn’t make a change this big in a partisan fashion,”…
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Happy birthday to me, Obamacare is here
March 26, 2010 happy birthday to me Wow, that’s all that can be said for the “hair raising” on the back of my neck. Since the signing of Health care reform in Washington March 23rd, my world has changed. In the last two weeks I have met with several new customers, designed a web page…
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Healthcare CEO Roundtable
Metro Detroit Association of Health Underwriters January 28, 2010 Healthcare CEO Roundtable The topic was hot – health care reform or insurance reform? And we had the chance to hear from some of leading CEOs in the region: · Mark A. Kelly, M.D. Executive Vice President, Henry Ford Health and CEO of The Henry Ford…