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Group Insurance Health Care and the HIPAA Privacy Rule

Employer-based retirement health care insurance benefits continue to decline, according to recent industry reports.

Many retirees have been able to rely on private or state employer-based retirement health benefits for supplemental health care coverage while on Medicare in the past, but this is becoming less common.

Employer-based health-related benefits can provide important coverage for the gaps that exist in Medicare programs. Additional coverage benefits can alleviate the cost-sharing requirements and deductibles associated with Medicare. Caps on the amount that can be spent out-of-pocket, often associated with supplemental coverage, are also often helpful for retirees.

Overall, supplemental retiree health and medical benefits sponsored by a private or municipal employer have helped many retirees cope with high medical costs often incurred in retirement.

The Kaiser Family Foundation recently reported, however, that the number of large private employers-considered employers with 200 or more employees-offering retiree healthcare benefits has dropped from 66 percent in 1988 to 23 percent in 2015.

Companies that do continue to offer retiree health benefits have been making changes aimed at reducing the cost of benefits, including:

 

  • Instituting caps on the amount of the provider’s financial liability
  • Shifting from defined benefit to defined contribution plans
  • Offering retiree health care benefits through Medicare Advantage plan contracts
  • Creating benefit programs through private health insurance exchanges

 

State employers have also not been immune to the trend, but the type and level of coverage being offered by most states is significantly different than retirement health care coverage being offered by large companies.

Unlike many private employers, state governments continue to offer some level of retiree health care benefits to help attract and retain talented workers, according to a report titled “State Retiree Health Plan Spending,” published by The Pew Charitable Trusts and the John D. and Catherine T. MacArthur Foundation in May, 2016.

With the exception of Idaho, all states currently offer newly-hired state employees some level of retirement health care benefits as part of their benefits package, according to the report. Of the states offering retiree medical benefits, 38 have made the commitment to contribute to health care premiums for the coverage being offered. State employers are, however, also making changes to the retirement health care insurance benefits they provide to state workers.

Significant among these changes for the states is at least one driving force-the Governmental Accounting Standards Board (GASB) now requires states to report liabilities for retirement benefits other than pensions in their financial statements. The changes were required from all states by the end of 2008. As a result, the increased financial transparency forced states to review the cost of their other post-employment benefits (OPEB) and address how they plan to pay for them.

Because retirement health care benefits account for the majority of the states’ OPEB obligations, many states have made policy changes to address the upcoming obligations. Factors such as date of hire, date of retirement or vesting eligibility, including minimum age and minimum service year requirements, are now being used by states to vary or limit retirement health care benefits.

Overall, from 2010 to 2013, the states saw their OPEB liabilities decrease by 10 percent from $627 billion after inflation adjustments. While this may sound contradictory, the declines are attributed to a slowdown in the growth of health care costs coupled with benefit modifications aimed at cost reductions.

To look at one state as an example, California’s recent budget revealed that health care benefits for retirees are costing the state more than $2 billion a year for an 80 percent increase over the prior 10 years. Although the situation recently changed, California was previously one of 18 states that had nothing set aside to cover its future retiree health care benefit costs of $80.3 billion.

It should be noted that retiree health care plans are typically funded by plan sponsors on a “pay as you go” basis, meaning that monies to pay current and future health care obligations are taken from current assets and not set aside in advance. This differs significantly from pension plans governed by ERISA, which are subject to funding guidelines.

In response to California’s unfunded OPEB liability, employees and the state are now paying into a fund for future retiree health care benefit costs. The state is also matching $88 million in employee contributions and paying an additional $240 million to prefund future retirement health care benefit costs. The changes are impacting retirees as well as state and private employers.

Overall, employer-based retirement health care benefits, once important for supplementing Medicare for retired seniors, continue to decline.

The Potential Impact of Eroding Employer-Based Health Care Retirement Benefits

Many baby boomers who are currently covered by retiree medical plans and plan to rely on future employer-paid medical benefits, are likely to be disappointed to learn that these benefit plans can be changed or terminated. ERISA-governed benefit plans typically contain a “reservation of rights” provision allowing the plan sponsor to change or terminate all or parts of the plan. Many private and state employers are reducing or terminating retiree health benefits due to the increasing cost of insurance premiums, rising health care costs, and increases in longevity.

Since the early 1990s there have been many cases where unexpected changes to post-employment pension and medical benefits have resulted in lawsuits. Typically, the key issue is the reservation of rights language and/or collective bargaining agreement language for employees who were covered by a union contract which referenced retiree medical benefits.

Beneficiaries who have questions about their retiree medical benefits should speak with their plan sponsor to learn about the specific benefits available to them and have a contingency plan for bridging their medical coverage to Medicare, if they are considering early retirement or want to better understand future benefits.
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Earn Money With Effective Football Betting Strategies While Being Couch Potato

A teenager with a typical attitude, a business person with flexible timing, a working professional with a tight schedule, a house-wife with lots of free time – no matter in which category you belong to, if football is your passion and you spend majority of your free time to enjoy football news or matches then of course you want to cherish a desire to turn your passion into money. So, here is a good news for you; now you can do so easily with soccer betting. UFABET

In the recent times, for its high return on investment, soccer betting has successfully established its unique position in the minds of millions of football enthusiasts. Now winning a soccer betting is not at all a child’s play and finding out an effective football picks system that can produce a highly profitable week time after time no doubt is a real challenge. Among all the major aspects of football picks, effectual football betting strategies play the most important role. These are required for the punters to succeed in the football league of their own choice.

Football betting strategies should be made based on particular football league, instead of several. A punter should bet only on the league on regarding which he is confident enough to take a risk. If you are confused about the dependability issue about the football leagues and worried about your return on investment, then you should go for football betting advice from a professional betting consultant. In the present times for the presence of online medium, finding out a betting adviser is not at all a daunting task. You can even contact with a betting advisor over the internet and consult with him online.

 

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Six Reasons Why Preventive Health Checkups Should Not Be Ignored

Did you know that healthcare expenses in India account for 4.1% of national GDP? In addition, private spending on healthcare (which means costs that the government will not bear) increases up to 70.8% of all country’s health expenditure, according to The Guardian. The alternative then for the common people is quite simple – investing in a small amount of preventive health checkups (which could be totally covered by your insurance) than shelling out large amounts during health crises.

A preventive health checkup can help you in many ways. Not only you save yourself from the trouble of having to suffer through the symptoms of the disease, but it also saves money that you would otherwise be spending on hospital expenses. Continue reading to know why a preventive health checkup is worth the effort.

Why Preventive Health Checkups?

Most health experts agree that the best way to watch out for your health is annual health checkups. Here are some reasons to support the fact why this is important:

Even your car is also serviced twice in a year. No one asks why time, effort, and money are spent on ensuring that their car is being serviced with all the necessary checks, on a regular basis. Our body also needs to be serviced regularly and checked for better functioning. Do you value your health as much as you do that of your vehicle?

You are living a sedentary lifestyle. The reality is that today people are so hooked up to the digital gadgets & computers that even when you aren’t at work, you are surfing the web and basically spending both your leisure time and working hours sitting in front of some type of screen. Then there are those who drink, smoke and tremble at the very thought of daily exercise.

Even healthy people can get sick. While we are young we feel invincible. But as we age, it all begins with random aches, pains and progresses to cholesterol increase, high blood pressure, diabetes and heart attack, to list the very few serious disorders. If we soon started caring about our health, most diseases can be prevented before they could even occur.

Early diagnosis could lead to a cure. There are many diseases and illnesses that have a better prognosis when diagnosed early. This is particularly true for chronic and terminal illnesses, such as diabetes, cancer, and heart attack. Regular preventive health checkups help you find the best treatment alternatives as soon as possible, but also give you better chances of quickly recovering back to health.

Family history tells more about your future health. Family history means you have more chances to end up suffering from a disease like your immediate family. For example, if your father has a history of heart problems or your grandmother has a high blood sugar level, you are likely to experience the same conditions sooner or later.
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Easy Way to Stop Gambling Using MP3s

Do you want an easier way to stop gambling? No way is truly easy, but some are certainly easier than others. Gambling is a progressive disease and just like any disease, if you are going to treat it and cure it, you’d better hit it with everything you have. Doctors often treat an infection by bombarding it with a high dose of antibiotics. You can treat gambling addiction the same way.

I recommend you use a multi-pronged approach. Start by getting help from GA (Gamblers Anonymous) or a good therapist who specializes in addictions. I also recommend that you use MP3’s to help you. Filling your mind with the right messages, as well as distracting it with thoughts other than gambling, will make it easier to quit gambling than just doing it alone.

When I say MP3’s, I don’t mean music, I mean MP3’s with special messages that relax you and fill your mind with positive thoughts about being a non-gambler for life. Using relaxation techniques and simple but powerful proven methods, stop gambling MP3’s or sound files, can help you to stop gambling easier and faster than almost any other method. The beauty of these stop gambling MP3’s is that they are available immediately, can be downloaded to any device that can accept an MP3, and you can use them over and over again, any time you need them. 슈어맨

The reason that the MP3’s are so effective is that they work in your subconscious mind where the gambling problem exists. You can make a conscious decision to stop gambling. You know rationally and consciously that it is ruining your life, and yet, you still want to gamble. That is because your subconscious mind is programmed to keep gambling no matter how devastating it may be. The only way to treat that is to relax you so that your subconscious is more accessible and then put positive thoughts that are powerful and will help you to quit.

When is the best time to quit – now. What is the fastest and easiest way to quit? Replace the gambling habit with a non-gambling habit. Programming your subconscious with positive thoughts and desires is the best way to quit and it is the easiest way to quit gambling.

 

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Long Before Las Vegas – History of Gambling in the US

It’s hard not to think of the glittering lights and non-stop pace of the Las Vegas strip when you think of gambling. Twenty-four hours a day, seven days a week there are people crowded around the blackjack and roulette tables hoping to hit it big. Gambling has long been a topic that leads to heated debates for a long time. However, gambling in the United States has a history that dates us back a long time before Las Vegas came around.

Gambling can be dated back to the earliest days of settlers in the 17th century. Attitudes about gambling varied by settlements as each one was founded by different members of the British colonies. The Puritans outlawed pretty much any form of gambling including dice, cards and even private tables. There was a lot of hostility towards the thought of someone who made gambling their profession. The English on the other hand, saw gambling as a pleasant and harmless distraction from everyday life and it was a popular past time. Eventually, people came to blame the problems of the new colonies on gambling and acceptance of it waned.

Once the early 19th century rolled around, gambling was still prevalent throughout the United States but it had begun to take on new forms. Lotteries were a very popular way to raise revenue for the states. The proceeds from lottery profits were used to build public works building such as schools and churches. Another form of gambling that popped up in the 19th century was horse racing. It was not nearly as large nor as organized as horse racing today but this is the first time we see gambling taking on new forms. 슈어맨

As the settlers of the United States moved west, so did gambling. It began to take on a more organized form in the sense of casinos. The purpose of these establishments however was not so much to raise revenue for the community but to take advantage of those making the long trek west. During this time in the 1800s, criticism of gambling on moral grounds was increasing. Scandals throughout lottery institutions and more permanent gambling casinos that were taking advantage of people were hit hard by social reform and eventually most forms of gambling throughout the country was prohibited.

When the gold rush hit California in the mid 1800s, people were itching to spend their new found wealth and gambling found its new mecca. Gambling spread through the state like wild fire and both private and public parties were relying on the revenue. Eventually, the popular mind set against gambling made its way west to California and laws were set in place to limit gambling. By the end of the 19th century, most forms of gambling were illegal but this of course did not stop people – it simply drove them out of sight of the authorities.

Limits on gambling began to subside into the 20th century and by the time the Great Depression hit in the 1930s, the public attitude towards gambling eased up significantly. All of a sudden gambling was not seen as a crime but as a way to help stimulate the economy. Forms of gambling such as bingo and horse racing saw a huge comeback during this time period. It was also during the 1930’s that gambling as an industry was formed in the state of Nevada – by organized crime professionals. There is still a fine line to walk between the crime world and the legal political world when it comes to gambling and forms of gambling other than government regulated lotteries are illegal in most states. There will surely be another shift in how gambling is viewed in this country and there will probably never be an agreement on the moral implications of such a practice but, it is sure that gambling will continue to evolve.

 

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US Gambling in the Midst of UIGEA

Online gambling in United States is endangered with the passing of the UIGEA or Unlawful Internet Gambling Enforcement Act. It was enforced in 2007 and since then it has dramatically curtailed the online gambler population. Many gambling websites have already stopped operating and many online gamblers have controlled their urge to gamble for the fear of being caught.

Such scare continued to linger despite the efforts to assure people. A few online gambling sites offer gambling system in roulette in which the prizes double with succeeding loss. This martingale system aims to attract more players. Many people aren’t aware of this prohibition and so aren’t familiar with its specifics. This led to false notions, and because of that, information campaign regarding UIGEA has become necessary.

Gambling Sanction

The major implication of UIGEA is to prevent operation of online gambling sites, thereby, preventing players to gamble. This is a US law and is being enacted in two ways. First, it compels legal operations of gambling sites through qualification assessment and issuance of gambling license as administered by Financial Crimes Enforcement Network, which will oversee the legalities of operations. Second, other games shall be reclassified and redefined for delineation; hence, games like chess, roulette, and poker shall be removed from the UIGEA scope.

UIGEA does have a good result-security in gambling for US players. Since it tracks down different online gambling sites, it is almost impossible for them to run away, supposing they commit crimes. The main issue is that the UIGEA stirred the industry drastically. A more pressing situation is its ineffective enforcement. The irregularity in enforcement made UIGEA a culprit of setbacks in the online gambling world, no less.

General Picture

UIGEA is so inefficiently enforced that it has become a culprit of profound problems encountered in online gambling today. The issue has a lot to do with the shareholders who invested funds in gambling sites. Because of the impending prohibition of gambling, many shareholders withdrew their shares from online gambling sites because of fear of bankruptcy. This slump causes many gambling websites to shut down operations. As more sites closed, people began to believe that it was going to be the end of online gambling in the United States. Many of these online venues lay the blame on UIGEA for their closure and non-operation. What was supposed to safeguard the gambling market lead to its near demise. 슈어맨

This ineffective enforcement of UIGEA also caused another repercussion. As it is not implemented in some states, there is confusion across the country as to the scope of this law, whether it aims to ban gambling and ban citizens to gamble online or not. Nevertheless, UIGEA does not necessarily prohibit American players to join online gambling websites. But some states did not understand the bill correctly. So many of the US gamers have now succumbed to the idea that they could no longer enjoy gambling online. Despite the number of states allowing gambling, the anxiety in the whole country is very real. As you can see the truth, the nation’s opinion regarding gambling is not in unison. And up to the time that UIGEA continues to be in partial implementation, this nationwide confusion goes on.

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Do I Need a US Passport For Air Travel?

Some confusion exists around what types of travel documents for cruises are necessary. Even different cruise lines sometimes seem to have conflicting information on whether passengers must obtain and carry a US passport. Much of this confusion has resulted from the changes that have been made in recent years to travel requirements in the United States. Different modes of transportation have different requirements. It’s important that you determine what types of travel documents for cruises are necessary, and to realize that these requirements may differ from air and land travel regulations.

In 2004 the Western Hemisphere Travel Initiative was enacted. It was developed in agreement with the United States, Canada, Mexico, Bermuda and the Caribbean region. Since a number of these countries share common borders, it became necessary to develop a standardized way of screening travelers in order to protect US borders. This initiative helps to strengthen borders Scentopia singapore  without making it prohibitive for American citizens and legitimate foreign travelers to enter and leave the United States. The initiative legislates uniform standards for travel documents for cruises, as well as for land and air travel across borders.

The Western Hemisphere Travel Initiative has been implemented in graduated stages since it was drafted in 2004. The first changes were made in 2007 and affected air travel only. Since that time all foreign air travel requires a US passport. The most recent change implemented in January of 2008 directly affected land and sea travel. Prior to this date, oral declarations of citizenship were accepted when crossing borders by land or sea. However, current regulations dictate that oral declarations are no longer acceptable. Currently all land and sea crossings require a US passport or WHTI  compliant documentation. When the final phase of the Western Hemisphere Travel Initiative is enacted in June, 2009, most travelers will be expected to travel with a US passport or passport card (eligible for land and sea crossings only.)

What does this mean for travelers planning cruises between now and June, 2009? Acceptable travel documents for cruises which have ports outside of the United States include a US passport, a passport card, OR a government-issued photo identification card (valid driver’s license, military ID card, Native card, etc.) PLUS proof of citizenship (a US birth certificate or naturalization certificate.) Those travelers booking cruises for dates after June 1, 2009 will be expected to comply with the full set of rules for travel documentation. After this date, the only acceptable travel documents for cruises will be a US passport, a passport card, and limited forms of government-issued identification plus citizenship confirmation documents.

Some cruise ship companies have tightened their own rules regarding travel documents for cruises. A few have chosen to issue tickets only to holders of US passports or passport cards in an effort to expedite crossings and maintain security. Check with your cruise company to find out exactly what it recommends for documentation. Those who don’t have the correct travel documents for cruises may find themselves unable to board or disembark or even to return home in a timely manner.

In anticipation of the implementation of the final phase of the Western Hemisphere Travel Initiative, the US government is urging all Americans who have not done so to apply for a US passport. While no further changes have been made to travel documentation requirements, there is speculation that a US passport may one day be a standard form of personal identification. Many countries, particularly in Europe and the UK currently require a passport for all types of travel, including domestic flights, and for checking into hotels. Experts feel that its logical that the US will someday follow suit in a worldwide effort to maintain secure borders.

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Betting Exchange Place Markets – Wise Up And Win

How To Use The Betting Exchange Place Markets To Your Advantage

Introduction

In article one, I introduced you to the Betting Exchange concept
and explained the basics of LAY Betting (Lay to Lose). Now in
this article, I’m going to introduce you to another unique and
powerful feature of the betting exchanges, the Place Markets.

What Are Betting Exchange Place Markets?

Place markets are as the name suggests, markets which allow you
to bet on a selection to be ‘placed’. Eg. a horse to finish 1st,
2nd or 3rd in a 8 runner or larger field.

Now, the first and most important thing to highlight here is
that these place markets are completely different to the well
known Each Way (EW) betting markets offered by traditional
bookmakers. The Each Way bet is in fact 2 bets of equal stakes.
The 1st stake is on the selection to win and the 2nd is on it
to be placed. So a £10 EW bet will cost you £20 in total.

A £10 place bet on a Betting Exchange is a single bet and
therefore will only cost you £10. If your selection finishes in
a place, you collect your winnings and smile.

Think about it for a minute. How many times have you been
certain that a horse will be placed, but you have not been
confident that it will win…

Traditional Each Way Betting

Take the following example. A horse named ‘Im gonna be placed’
that is available to back with traditional bookmakers at 4/1
(5.0). Your very confident that it will finish in the top 3 in
a 10 runner field.

With a traditional bookmaker, your options are:

1) Take a chance on it winning and place a win single on it.
E.g. £10 at 4/1

2) Place an EW bet on it. E.g. £10 EW at 4/1 (5.0). Total
stakes £20. The bookies will pay you 1/5 odds on the place
element of this E/W bet based on their standard EW rules.
On our horse which is available to back at 5.0 this equates
to 1.8

Now, the only time the above race will be profitable for you is
if the horse actually wins. In both cases you would make a very
nice profit if it did. For option 1 you would win £40 profit
and for option 2, £48 profit.

BUT, if as you suspected the horse only finishes placed in 2nd
or 3rd, you actually lose money in both cases. With option 1
you obviously lose all your stake money so are down £10. With
option 2, you win £8 on the Place side of the EW bet but still
lose £2 overall as the win part of the bet was a losing one.

Enter The Betting Exchange Place Markets

Using the above example and depending upon the prices of the
other horses in the race, you would probably see the Betting
Exchanges offering odds of around 1.60 – 2.00 (evens) on this
horse being placed. You can therefore put your £10 PLACE bet
on at say 1.8 and collect £8 profit (minus commission) as long
as the horse finishes 1st, 2nd or 3rd. Only if the horse
finishes outside of the top 3 do you lose your £10 stake.

I’m sure this has got you thinking and you can probably see the
power in this straight away! 먹튀검증

When combined with a good staking plan and a sensible selection
process, it can be common to have very long winning streaks when
backing horses to be placed on the betting exchanges. These
longer winning streaks more than make up for the relatively
short prices that are offered on selections to be placed.

Place Market Important Notes

A few important things to note about place markets:

1) Unlike the betting exchange win markets, Place markets DO NOT
go “In-Running” when the race starts but this is true of the
traditional E/W bets offered by bookies as well.

 

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5 Reasons to Stop Your Gambling Habit Now

Why should you stop your gambling habit now? After all, it is fun for you and it provides a great escape for you. You work so hard during the week, and do you not deserve some fun?

The truth is that gambling habits that start off as recreation can turn into full-fledged gambling addictions and gambling problems. Not everybody who gambles for fun will become an addict. However, there are some good reasons to stop gambling now.

You will prevent yourself from developing a full fledged gambling addiction if you stop your gambling habit now. If it is just a habit, but your trips to the casino have been increasing, you may actually have a strong chance of developing an addiction.

If you stop gambling now, you will most likely realize that you have other interests that you have been neglecting. Gambling can take you away from more creative pursuits because of its’ powerful, mesmerizing, and addictive nature.

When you stop gambling, you will most likely focus more on your current responsibilities and realize that you may have been procrastinating different things in your life. Gambling has a way of pulling you out of the reality of life, even if it is just a bad habit and not a full fledged problem. sbobet

Stopping gambling may make you also get more in touch with your true feelings and emotions. When you gamble, you can become numb to your feelings. Gambling has a way of putting you in a dream world, and stopping you from being authentic and honest with yourself and how you feel.

Lastly, if you stop your habit now, you will save hundred to thousand of dollars per year. Even if your gambling is just a bad habit, and had not progressed to a gambling problem, you will still save a lot of money. If you add up how much money you have spent on your gambling in the past year, it may be a lot more money than you thought!

As stated previously, having a gambling habit does not necessarily mean that you have a compulsive gambling problem. It does, however, indicate that you are more at risk for developing an addiction. If you stop now, you will see various areas of your life start to improve significantly.

 

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Retiree Medical Benefits and ERISA Guidelines

What is Meant by “Retiree Medical” Benefits?

Also known as “post-retirement health insurance,” these benefits are typically employer-sponsored benefit plans for retired workers 55 and older.

In an earlier article titled “Other Post Employment Benefits (OPEB),” this author discussed the fact that certain specified non-pension benefits are offered after the employee retires or leaves a company in exchange for their current service. Retiree medical benefits represent the vast majority of these OPEB obligations.

How Does ERISA Apply to Retiree Medical Benefits?

If a plan is sponsored by an employer or union (other than a government employer or public employee union, or non-profit employer), it is governed by ERISA.

ERISA governed benefits plans typically contain a “reservation of rights” provision in both the Summary Plan Description (“SPD”) and the more technical official plan document, which allows the plan sponsor to change or terminate all or parts of the plan. Plan changes must be implemented and communicated in accordance with ERISA guidelines.

Where Can a Beneficiary Learn More about their Retiree Medical Benefits?

Every beneficiary of an ERISA-sponsored benefits plan should have a current copy of their Summary Plan Description, which outlines the benefits offered by the plan.

A plan sponsor is required to provide this SPD when a new plan takes effect; when an employee becomes eligible to participate in a plan; or upon written request of a plan participant or beneficiary. There are also updating requirements if significant plan changes are made. If a beneficiary has lost a copy of their plan, they can contact the plan sponsor for a replacement copy.

The customer service department of the plan sponsor, or its third party administrator, should also be able to help a beneficiary understand the benefits to which they are entitled under a plan.

What is the Risk Associated with Retiree Medical Benefits?

Retiree medical benefits represent an unfunded financial liability that must be reflected on the sponsor’s financial statements. Given the economic pressures facing corporations today, many employers are taking steps to reduce or eliminate this costly obligation.

When retiree medical plans are terminated, the beneficiaries who are not yet Medicare eligible must find individual coverage in the private health insurance market. As the cost of healthcare accelerates, these benefits become increasingly expensive to replace.

What Should a Plan Participant Do?

If a beneficiary discovers that their plan includes a “reservation of rights” provision, there is very little action that can be taken. Many plan participants do not read or fully understand their plan documentation, and learn of their exposure only after a benefit is withdrawn.
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