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Benefit Plan Development Online Newsletter

 Volume 51, Issue 7, July 2008 (PDF)
       - Genetic Information Nondiscrimination Act Signed Into Law
       - Extra Benefits Help Commuters Cope With High Gas Prices
       - Benefit Offerings Changed Significantly Over Past 10 Years
       - The Benefits Of Volunteering

 Volume 51, Issue 6, June 2008 (PDF)
       - Workplace Flexibility Programs Need Structure
       - Older Workers Without Health Insurance Or Traditional Pensions Less Likely To Retire
       - Benefits Important To Recent College Graduates
       - Work Stress Continues For Vactioning Employees

 Volume 51, Issue 5, May 2008 (PDF)
       - Consumer-Driven Health Plans More Prevalent Among Higher Earners
       - Most Workers Support Proposed Modifications To FMLA Rules
       - Senator Proposes Tax Advantaged Disability Savings Account
       - Diversity Not Defined In Many Workplaces

 Volume 51, Issue 4, April 2008 (PDF)
       - Bringing Mom Back On The Job After Having A Baby
       - Cost Of Prescription Drugs Worries Many Americans
       - Employers Find Group Life Insurance A Key Benefit
       - Workers Want Help From Employers In Losing Weight

 Volume 51, Issue 3, March 2008 (PDF)
       - Eldercare Programs Can Improve Productivity
       - Companies Not Doing Enough To Ease Workplace Stress
       - Enhancements To Saver's Tax Credit Could Help Americans Save For Retirement
       - Lack Of Health Insurance Leads To Late Cancer Diagnosis

 Volume 51, Issue 2, February 2008 (PDF)
       - Federal Rule Allows Employers To Cut Health Care Benefits For Older Retirees
       - Cafeteria Plans Provide Tax Savings And Flexibility
       - 401(k) Reform Needed To Boost Retirement Savings

 Volume 51, Issue 1, January 2008 (PDF)
       - Cost Of Providing Workers Compensation Benefits Declining
       - Congress Weighs Allowing Pre-Tax Payment Of LTC Insurance Premiums
       - Paid Time Off Banks Can Reduce Unscheduled Absences
       - Employers Making Progress In Managing Health Care Costs

 Volume 50, Issue 12, December 2007 (PDF)
       - Work-Life Programs Help Companies Attract And Retain Talent
       - Employees Place High Value On Workplace Health Care Benefits As Costs Escalate
       - 401(k) Plan Sponsors Adding Automated Features
       - Paying For Testing In Advance Encourages Preventive Care

 Volume 50, Issue 11, November 2007 (PDF)
       - Number Of Americans Lacking Health Insurance Reached 47 Million In 2006
       - Unionization Leads To Big Jump In Pay And Benefits For Low Wage Workers
       - Employees Feel Excluded From Benefits Design Decisions
       - Medical Case Management Program Leads To Lower Health Care Costs

 Volume 50, Issue 10, October 2007 (PDF)
       - Presidential Cancer Panel Calls For Employer Commitment
       - Benefit Cost Increases Outpaced Wage Inflation In Second Quarter
       - Women More Positive About Employers' Work/Life Balance Programs
       - Health Care Among Top Issues For Independent Voters

 Volume 50, Issue 9, September 2007 (PDF)
       - Benefits Strategies Must Adapt To Changes In The Workforce
       - Managing Clinical Risk And Employee Health Produces Savings For Employers
       - Half of Americans Lack Emergency Savings
       - Working Mothers Increasingly Prefer Part-Time to Full-Time Jobs

 Volume 50, Issue 8, August 2007 (PDF)
       - Health Care Cost Shifting Creates False Economy
       - Deceleration In Health Care Cost Increases Predicted For 2008
       - Workers And Employers Split On FMLA
       - Health Plan Terminology Confuses Many Workers

Volume 50, Issue 7, July 2007 (PDF)
       - Employee Exercise Programs Reduce Employer Health Care Costs
       - Americans Support A Wide Range Of Health Care Options
       - Hybrid Products Can Increase Long-Term Care Insurance Coverage Rates
       - Workers Need Support In Using Consumer Driven Health Plans
       - Health Care Costs More Burdensome For Women

Volume 50, Issue 6, June 2007 (PDF)
       - HSA Enrollment Swells To 4.5 Million
       - Long-Term Care Crisis Looms For Baby Boomers And Their Parents
       - Employer Interest In Wellness Programs Grows
       - Current Health Care System Hinders Price Transparency

Volume 50, Issue 5, May 2007 (PDF)
       - Workers Remain Confident About Retirement, But Are They Ready?
       - Improved Health Care Efficiency And Price Transparency Are Priorities For Consumers
       - Couples' Financial Priorities Shift With Age And Income
       - Younger Workers Lack Awareness Of Tax-Advantaged Savings Opportunities

Volume 50, Issue 4, April 2007 (PDF)
       - Federal Health Care Transparency Initiatives Supported By Employers
       - Working Parents Appreciate Emergency Backup Daycare Benefits
       - Older Workers Value FMLA
       - Plan Design Can Improve 401(k) Savings Rate

Volume 50, Issue 3, March 2007 (PDF)
       - President Bush Proposes Changes In Health Insurance Taxation
       - Loss Of Financial Safety Net Worries Workers
       - Governor Announces $12 Billion Plan To Provide Universal Health Care To Californians

Volume 50, Issue 2, February 2007 (PDF)
       - New Legislation Makes HSAs More Attractive
       - Employers Can Do More To Help Employees Quit Smoking
       - Universal Health Care Plan Proposed In Senate
       - Parents' Concerns About After-School Care Lower Job Productivity

Volume 50, Issue 1, January 2007 (PDF)
       - Worker-Friendly Reforms Anticipated As Democrats Take Control of Congress
       - Health Issues Urge Congress To Extend Coverage To The Uninsured
       - Employers Support Measures To Provide Health Care Coverage

Volume 49, Issue 12, December 2006 (PDF)
       - Wal-Mart's $4 Generic Drug Program Could Force Lower Prices
       - Automatic 401(k) Enrollment Not A Panacea For Low Savings Rates
       - Health Care Cost-Sharing Produces Different Outcomes for Different Populations
       - Rising Costs Fuel Discontent With Health Care System

Volume 49, Issue 11, November 2006 (PDF)
       - House Committee Approves HSA Reform Legislation
       - More Women Buy Supplemental Insurance
       - Business Group Calls For Improved Health Care Quality And Safety Standards
       - Employees Worry About Health Benefit Reductions

Volume 49, Issue 10, October 2006 (PDF)
       - Health Care Uninsured Rate Rose And Real Wages Fell in 2005
       - Pace Of Rising Health Plan Costs To Decline In 2007
       - Workers Want Employers To Offer More Benefits And Incentives
       - Most Americans Support Health Care System Reform

Volume 49, Issue 9, September 2006 (PDF)
       - Medicare Part D Hits Enrollment Targets But Receives Mixed Reviews
       - New Pension Legislation Extends Tax Breaks For Retirement Savings
       - More Employers Implement Health And Productivity Management Strategies

Volume 49, Issue 8, August 2006 (PDF)
       - Setting Up A Tax-Advantaged Commuter Benefits Program
       - Fewer Americans Planning For Long-Term Care
       - Adult Care Responsibilities Costly For Employees

Volume 49, Issue 7, July 2006 (PDF)
       - Employers Charged More For Health Care
         Due To Low Medicare and Medicaid Payments
       - Employers Trying New Approaches To Control Health Care Costs
       - Small Employers With Poor Benefits Risk Losing Employees
       - Government Panel Advocates Basic Universal Health Care

Volume 49, Issue 6, June 2006 (PDF)
       - Thinking Out Of The Cube: Moving Toward A Mobile Workforce
       - Workers Increasingly Decline Employer-Provided Health Benefits
       - U.S. Provides Few Guaranteed Benefits To Working Families
       - Financial Incentives For The Healthy Do Little To Reduce Employer Costs

Volume 49, Issue 5, May 2006 (PDF)
       - High Costs Discourage Participation In Disease Management Programs
       - Employers To Adjust Retiree Drug Benefits In Response To Medicare Part D
       - Mental Health Benefits Do Not Add To Cost Of Health Insurance
       - Employers Should Encourage Purchase Of Disability Insurance

Volume 49, Issue 4, April 2006 (PDF)
       - Cancer Leading Cause Of Long-Term Absence From Work
       - Congress Holds Hearings On Health Care Costs
       - Small Business Health Plans Bill Passes Senate Committee
       - States Weigh Measures Forcing Employers To Provide Health Benefits

Volume 49, Issue 3, March 2006 (PDF)
       - Bush Proposes New HSA Tax Breaks
       - Employee Satisfaction With Benefits Correlated to Job Satisfaction
       - Disability and Life Insurance Most Popular Voluntary Benefits
       - Health Management Programs May Cut Health Care Costs

Volume 49, Issue 2, February 2006 (PDF)
       - Healthcare to Become the Most Expensive Employee Benefit
       - IBM Enhances 401(k) While Freezing Pension Plan
       - Unions Promote Legislation Forcing Large Employers to Pay for Health Benefits
       - U.S. Health Spending Accounted For 16% of GDP in 2004

Volume 49, Issue 1, January 2006 (PDF)
       - Employers Consider The Consumer-Directed Health Plan Alternative
       - Fewer Workers Covered By Employer-Provided Health Insurance in 2005
       - Major Health Insurance Reform Underway in Massachusetts

Volume 48, Issue 12, December 2005 (PDF)
       - Employers Strive to Accommodate Seriously Ill Workers And Their Families
       - Workers Are Bearing A Greater Share of Prescription Drug Costs
       - Employers Find Flexible Schedules Improve Company Performance

Volume 48, Issue 11, November 2005 (PDF)
       - 529 Plans - Helping Employees Save For Education
       - Health Savings Account Popular, But Not Universally Available
       - Older Women May Be Discouraged From Working

Volume 48, Issue 10, October 2005 (PDF)
       - Hurricane Katrina Raises HR Issues
       - Smaller Employers Struggling To Cope With Rising Health Benefit Costs
       - Tax Breaks On Long-Term Care Insurance Premiums Proposed
       - Rising Health And Energy Costs Bite Into 2006 Pay Raises

Volume 48, Issue 9, September 2005 (PDF)
       - Association Health Plans Bill Passes House
       - Long-Term Care Issues Neglected in Retirement Planning
       - DOL Reports Slowdown in Benefit Cost Increases
       - New Roth 401(k) Option to Launch in 2006

Volume 48, Issue 8, August 2005 (PDF)
       - Employers Adopting Wellness Programs To Lower Health Care Costs
       - Rise In Treated Disease Fuels Health Care Costs
       - BLS Releases Statistics On Flex-Time And Shift Work
       - Employer-Provided Benefits Mostly Unchanged In 2005

Volume 48, Issue 7, July 2005 (PDF)
       - Workplace Benefits For Gay Men and Lesbians Improving
       - Employers May Be Picking Up The Bill For The Uninsured
       - GM CEO: High Cost of Health Care Benefits Are A Drag On Competitiveness
       - Senate Bill Encourages Employers To Implement Automatic 401(k) Enrollment

Volume 48, Issue 6, June 2005 (PDF)
       - Treasury Gives Workers More Time To Spend FSA Funds
       - Benefits Providers Missing Out On Cross Selling Opportunities
       - Early Adopters of HSAs Report On Lessons Learned
       - States Threatening To Compel Employers To Provide Health Insurance

Volume 48, Issue 5, May 2005 (PDF)
       - Investing In Employees Through Tuition Reimbursement
       - Financial Worries Can Affect Employee Productivity
       - Need For Private Long-Term Care Insurance Growing

Volume 48, Issue 4, April 2005 (PDF)
       - Government Health Care Spending Outpaces Private Sector Expenditures
       - Most Workers Underestimate The Value Of Employer Sponsored Benefits
       - Wellness Programs Contribute To A Healthy Bottom Line

Volume 48, Issue 3, March 2005 (PDF)
       - Companies Join Coalition To Minimize Prescription Drug Costs
       - Consumer Directed Health Care On The Rise, But May Carry Risks
       - Employers Spent More On Benefits in 2003

Volume 48, Issue 2, February 2005 (PDF)
       - Cost Control Is Top Priority For Benefits Specialists
       - New Long-Term Care Insurance Product Designs Needed
       - CalPERS Members Choose Lower Costs Over Physician Choice
       - Nonprofits And Government Employers Offer The Best Benefits

Volume 48, Issue 1, January 2005 (PDF)
       - Bush Plans To Reform Health Insurance
       - Employees Want Support In Taking Responsibility For Health Care
       - BLS Releases Figures On Employee Benefits In Private Industry

Volume 47, Issue 12, December 2004 (PDF)
       - Workers Satisfied with Benefits, But Worried About Finances
       - Companies May Cut Costs Elsewhere To Pay For Health Coverage
       - Chiropractic Health Benefits Can Pay Off For Employees
       - “Presenteeism” Jeopardizes Healthy Workplaces
       - Health Insurance Cost Increases To Slow in 2005

Volume 47, Issue 11, November 2004 (PDF)
       - Small Businesses Committed To Offering Benefits
       - Health Benefits Weigh On Bottom Line
       - More Employees Covered By Disability In H1 2004
       - Rising Costs Force Employers To Adjust Benefits

Volume 47, Issue 10, October 2004 (PDF)
       - Work-Life Benefits and Employee Retention
       - Sen. Grassley Urges The Treasury To Fix The FSA
       - Employers Pass On Rising Cost Of Prescription Drugs To Workers
       - IRS Ruling Allows Employers To Alter Disability Plans

Volume 47, Issue 9, September 2004 (PDF)
       - Interest In HSAs On The Rise Among Employees
       - Benefits Make Up A Larger Portion Of Employee Compensation Costs
       - Dental Coverage Remains Affordable
       - Flextime Valued By Professionals
       - Congress Urged To Take Action On Cash Balance Plan Conversions

Volume 47, Issue 8, August 2004 (PDF)
       - Bill Proposes Tax Deduction For LTC Premiums
       - Conditions For Recertification Under FMLA
       - CDHC Plans Destined To Become Widely Adopted
       - HSAs Given Boost By IRS, Treasury Notice
       - "Pharma" Industry Needs To Address Pricing Disparities
       - Health Waiver Results In Reduced Coverage

Volume 47, Issue 7, July 2004 (PDF)
       - Employers Change Health Plans By Shifting Costs
       - Consumer-Driven Plans Show Attractive Results
       - DOL Issues Final Rules On COBRA Notices
       - Ruling Outlines Interaction Among HSAs, FSAs, HRAs
       - When Co-Payments Increase, Use Of Drugs Curtailed
       - Short Vacations Can Prevent Reinvigoration
       - Why IBM Is Giving $150 Health Rebates

Volume 47, Issue 6, June 2004 (PDF)
       - Health Care Costs Projected to Jump By 14.1%
       - Some HSAs Exempt From ERISA Status
       - Every Other Worker Has Paid Sick Leave
       - FMLA Rights Not Communicated; Legal Suit Allowed

Volume 47, Issue 5, May 2004 (PDF)
       - Private Industry Paid $6.43/Hour In Average Benefits
       - Health Insurers Told To Be More Informative
       - LTD Benefits Denied Due To 'Substantial Evidence'
       - High Court Ruling Expected On HMO Courtroom Venue
       - Disproportionate Impact Ruling Is Expected
       - Legislative Action

Volume 47, Issue 4, April 2004 (PDF)
       - Work/Life Programs Help Employers Energize Employees
       - Older Workers Get Preference, High Court Rules
       - Obesity Disabilities Cost Companies $12B Each Year
       - LTD Benefits Denied; Plan Standards Met
       - Aetna Program Shows CDHPs Contain Costs
       - Bill Proposes LTC Partnerships With All States
       - Benefit Costs Rise Faster Than Salaries

Volume 47, Issue 1, January 2004 (PDF)
       - Health Care Plan Costs Jump 15% for Employers
       - FSA Mileage Reimbursement Now 14 Cents
       - Act Mandates Health Care For Employees
       - Senate Creates Act to Close HIPAA Loophole
       - Bill Proposed Tax Exclusion for Domestic Partners
       - Company Pays for Not Providing Timely Notice

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Benefits, Inc. - Group Benefit Services
9301 Southwest Freeway, Suite 270
Houston, Texas 77074
(713) 772-1700
Fax (713) 772-3100
All contents copyright 2004 Benefits, Inc.