An online, clickable version of this newsletter is available at:
http://benefitslink.com/2004/2004_12_09_welfare.html

===========================================================
BenefitsLink Welfare Plans Newsletter
(Plain Text Format)

December 9, 2004
===========================================================

We thank and invite your attention to today's sponsor:

WorldatWork 
===========================================================
New WorldatWork publications just added to the Bookstore! (Advert.)

   <URL:http://benefitslink.com/cgi/a_d.cgi?a_d=2004_12_09_welfare>
   http://benefitslink.com/cgi/a_d.cgi?a_d=2004_12_09_welfare

(Click on above address, or copy and paste it into your web browser, to learn 
more.)

WorldatWork, a not-for-profit professional association, is a leading
publisher of compensation, benefits and total rewards information.
With a portfolio of books, reports, survey briefs, booklets and online
learning programs, WorldatWork creates, markets and distributes 
publications that are critical to improved organizational performance. 
WorldatWork has contributed to the education and development of 
business professionals worldwide since 1955.

(Please visit our sponsors. We try to make sure their products and
services will be of interest to you. Thanks! --Editor)

----------------------------------------------------------
Cost Savings Will Drive More Employers to Consumer-Directed
Care, Mercer Predicts

   <URL:http://www.aispub.com/Bnow/120804e.html>
   http://www.aispub.com/Bnow/120804e.html

   Excerpt: "Consumer-Directed health (CDH) plans cost less per
   employee than do traditional health coverage options,
   according to results of an employer study released Nov.
   22 by Mercer Human Resource Consulting. And although
   just 1% of employers offered a CDH plan in 2004, that
   percentage is expected to balloon to 26% by 2006, Mercer
   predicts. This year, the cost to cover an employee with
   a traditional indemnity health plan was $6,707 -- up
   $776 from 2003, according to the study." (INSIDE
   CONSUMER-DIRECTED CARE via AISHealth.com)

----------------------------------------------------------
Government's Health Information Technology Rhetoric Comes
Up Short on Cash

   <URL:http://www.eweek.com/article2/0,1759,1735552,00.asp>
   http://www.eweek.com/article2/0,1759,1735552,00.asp

   Excerpt: "A request for $50 million to fund health IT
   projects didn't make it into the spending bill passed by
   Congress late last month. Despite the praise heaped on
   David Brailer, the nation's health IT czar, apparently
   no politician, including President Bush, saw fit to back
   the rhetoric with cash. While government funding for
   health IT is expected from other quarters, the decision
   is disappointing. Electronic patient records and
   e-prescribing promise to decrease medical errors,
   increase ...." (eWeek Enterprise News & Reviews)

----------------------------------------------------------
Confusion Surrounds New National Doctor and Private Payer
ID Numbers

   <URL:http://www.ama-assn.org/amednews/2004/12/13/gvl11213.htm>
   http://www.ama-assn.org/amednews/2004/12/13/gvl11213.htm

   Excerpt: "Physicians will someday be able to use one
   identification number to fill out all their claim forms,
   but there is a long road before that goal comes to
   fruition. Starting May 23, 2005, physicians can submit
   an application to the Centers for Medicare & Medicaid
   Services to receive their own National Provider
   Identifier. That single ID number will eventually
   replace all other identifiers that physicians use in
   reimbursement and other transactions with private
   payers, clearinghouses ...." (American Medical News)

----------------------------------------------------------
U.S. Drug Importation Report Delayed, Thompson Says

   
<URL:http://story.news.yahoo.com/news?tmpl=story&cid=571&ncid=571&e=9&u=/nm/20041208/hl_nm/health_imports_dc_1>
   
http://story.news.yahoo.com/news?tmpl=story&cid=571&ncid=571&e=9&u=/nm/20041208/hl_nm/health_imports_dc_1

   Excerpt: "The Bush administration is not ready to release a
   highly anticipated report on the importation of
   pres.cription drugs that was due Wednesday, Health and
   Human Services ... Secretary Tommy Thompson said. A
   Medicare law signed by President Bush (news - web sites)
   a year ago required the Department of Health and Human
   Services (news - web sites) to study how American
   consumers could buy cheaper medicines safely from Can.ada
   and some other countries." (Reuters via Yahoo! News)

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Lawmakers to Seek New Pay Plan for Medicaid Drugs

   <URL:http://www.washingtonpost.com/wp-dyn/articles/A44219-2004Dec7.html>
   http://www.washingtonpost.com/wp-dyn/articles/A44219-2004Dec7.html

   Excerpt: "U.S. taxpayers are overpaying for medicines for
   poor Medicaid patients and the system is ripe for an
   overhaul next year, lawmakers in both parties said on
   .... Democrats and Republicans on the House Energy and
   Commerce subcommittees on health and oversight both
   expressed concern about how drug companies, particularly
   manufacturers of generic ... drugs, are setting prices
   artificially high. That lets both the drug maker and the
   pharmacists dispensing the medications make big
   profits." (Reuters via The Washington Post; one-time
   registration required)

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Faith-Based Plans Use Riders, Ethicists to Navigate
Benefits, Coverage Issues

   <URL:http://www.aispub.com/Bnow/120804d.html>
   http://www.aispub.com/Bnow/120804d.html

   Excerpt: "Congress's decision last month to extend
   discrimination protections to health insurers that
   refuse to cover abortions is just the latest instance of
   how the debate over so-called 'values' issues like
   reproductive rights and g.ay marriage has extended into
   the health insurance arena. Faith-based health plans
   have long grappled with how to offer comprehensive
   health coverage to customers without violating either
   their own religious tenets or state and federal laws
   that govern such ...." (MANAGED CARE WEEK via
   AISHealth.com)

----------------------------------------------------------
Opinion: Minnesota's Health Care Gamble with the Smart Buy
Alliance of Government and Employers

   <URL:http://www.washingtonpost.com/wp-dyn/articles/A49826-2004Dec8.html>
   http://www.washingtonpost.com/wp-dyn/articles/A49826-2004Dec8.html

   Excerpt: "No one is immune from the problem of runaway
   costs in the dysfunctional U.S. health care system --
   not individual families, not businesses, and certainly
   not state and federal governments. The universality of
   the problem is what makes an experiment being launched
   in Minnesota this month an important national story.
   Gov. Tim Pawlenty announced on Nov. 29 the formation of
   the Smart Buy Alliance, an unprecedented partnership of
   state government and private employers that will ...."
   (The Washington Post; one-time registration required)

----------------------------------------------------------
Summary Paper: ERIC's Health Savings Accounts Workability
Project (PDF)

   
<URL:http://www.eric.org/forms/uploadFiles/33A600000004.filename.ERICpositionHSAetc.pdf>
   
http://www.eric.org/forms/uploadFiles/33A600000004.filename.ERICpositionHSAetc.pdf

   September 2004. 3 pages. Excerpt: "[A] summary paper
   developed by The ERISA Industry Committee (ERIC)
   outlin[es] the desired changes to make HSAs, FSAs and
   HRAs more relevant and responsive to major employers.
   The paper also identifies an additional medical savings
   account desired by major employers to assist in saving
   for retiree medical costs .... The ERIC HSA Workability
   Project Steering Committee conducted numerous conference
   calls, a FocusOn call with US Treasury staff ...." (The
   ERISA Industry Committee)


==========================================================
Links To Items on Executive Comp, Benefits In General

----------------------------------------------------------
Overview: New York City Law Requirement of Equal Domestic
Partner Benefits for City Contractors (PDF)

   
<URL:http://www.ballardspahr.com/files/tbl_s11Newsletters/PDFFile142/451/LaborEAlert120804.pdf>
   
http://www.ballardspahr.com/files/tbl_s11Newsletters/PDFFile142/451/LaborEAlert120804.pdf

   2 pages. Excerpt: "Businesses that contract with the City
   of New York should be aware of the City's recently
   adopted 'Equal Benefits Law.' The law requires that
   businesses with contracts for $100,000 or more provide
   domestic partner benefits to their employees that are
   equal to the benefits the employer provides to married
   employees and their spouses. This law is similar to laws
   in place in certain other cities, such as in San
   Francisco and Seattle, and a California state law that
   will ...." (The Ballard Spahr Andrews & Ingersoll, LLP)

----------------------------------------------------------
Towers Perrin's Worldwide Pay and Benefit Headlines for
December 2004 (PDF)

   
<URL:http://www.towers.com/towers/webcache/towers/United_States/publications/Periodicals/worldwide_pay/2004_12/headlines1204.pdf>
   
http://www.towers.com/towers/webcache/towers/United_States/publications/Periodicals/worldwide_pay/2004_12/headlines1204.pdf

   8 pages. The newsletter includes updates on pay and benefit
   issues in Australia, Can.ada, Germany, Brazil, Italy,
   Netherlands, and the United States. (Towers Perrin)

----------------------------------------------------------
Colgate Executives Get Thousands for Perks -- the Plan
Covers 800 Executives

   
<URL:http://hosted.ap.org/dynamic/stories/C/COLGATE_PERKS?SITE=DCTMS&SECTION=HOME&TEMPLATE=DEFAULT>
   
http://hosted.ap.org/dynamic/stories/C/COLGATE_PERKS?SITE=DCTMS&SECTION=HOME&TEMPLATE=DEFAULT

   Excerpt: "Colgate-Palmolive Co., which announced Tuesday it
   is eliminating 4,400 jobs, disclosed in a regulatory
   filing that many of its top executives and officers are
   given allowances of up to $11,500 a year to spend on
   anything from pet sitters to running shoes to karate
   lessons to movie rentals. The plan, called 'Above and
   Beyond,' was detailed in the consumer product company's
   quarterly filing in November with the Securities and
   Exchange Commission." (Associated Press)

----------------------------------------------------------
State of the Third Party Administration Industry & Forecast
for 2005

   <URL:http://users.erols.com/spba/p0000053.html>
   http://users.erols.com/spba/p0000053.html

   Excerpt: "The TPA industry has had an active, but not
   eroding amount of mergers & acquisitions among members.
   Frankly, the biggest problem is how to tally SPBA's
   comparative 'size' from year to year. A firm name may
   disappear from the roster, but the office & workers &
   clients are still in the TPA business under the merged
   SPBA member name, so they are not really a 'loss' to the
   industry or SPBA. .... [W]e find that for every merged
   or closing firm, there is a new firm joining each year."
   (Society of Professional Benefit Administrators)

----------------------------------------------------------
Mercer's 2004 Spotlight on Benefits Report Analyzes Benefit
Levels of Large U.S. Employers

   
<URL:http://www.mercerhr.com/pressrelease/details.jhtml/dynamic/idContent/1164395;jsessionid=00KWHO2NGSGVUCTGOUGCIIQKMZ0QYI2C>
   
http://www.mercerhr.com/pressrelease/details.jhtml/dynamic/idContent/1164395;jsessionid=00KWHO2NGSGVUCTGOUGCIIQKMZ0QYI2C

   Excerpt: "The 2004 Spotlight on Benefits Report, an
   analysis of the benefit programs of more than 1,000
   large US employers, indicates that large nonprofit
   organizations (including civic and professional
   associations, religious organizations, national
   charitable organizations, and major foundations) offer
   the highest level of total benefits at 128% of the
   market median, followed by government employers at 127%
   of the market median and education employers at 121% of
   the market median." (Mercer Human Resource Consulting)


==========================================================
Newly Posted Events

Basic HSAs - Telephone Seminar
   Nationwide on January 20, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38979>
      http://benefitslink.com/events/detail.php?id=38979

Basic IRAs - Telephone Seminar
   Nationwide on January 11, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38980>
      http://benefitslink.com/events/detail.php?id=38980

Comparing Roth and Traditional IRAs - Telephone Seminar
   Nationwide on March 22, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38981>
      http://benefitslink.com/events/detail.php?id=38981

Coverdell Education Savings Accounts - Telephone Seminar
   Nationwide on February 10, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38982>
      http://benefitslink.com/events/detail.php?id=38982

Current Health Care Trends � 2005 and Beyond

(Based on survey research)
   Nationwide on December 16, 2004
   presented by International Foundation of Employee Benefit Plans
      <URL:http://benefitslink.com/events/detail.php?id=38986>
      http://benefitslink.com/events/detail.php?id=38986

Establishing IRAs and IRA Amendments - Telephone Seminar
   Nationwide on February 8, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38983>
      http://benefitslink.com/events/detail.php?id=38983

General Traditional IRA Distributions - Telephone Seminar
   Nationwide on February 15, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38984>
      http://benefitslink.com/events/detail.php?id=38984

IRA Beneficiary Distributions - Telephone Seminar
   Nationwide on March 8, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38985>
      http://benefitslink.com/events/detail.php?id=38985

IRA Contributions - Telephone Seminar
   Nationwide on March 31, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38987>
      http://benefitslink.com/events/detail.php?id=38987

IRA Required Minimum Distributions - Telephone Seminar
   Nationwide on January 25, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38990>
      http://benefitslink.com/events/detail.php?id=38990

IRA Required Minimum Distributions - Telephone Seminar
   Nationwide on March 17, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38991>
      http://benefitslink.com/events/detail.php?id=38991

IRA Required Reporting - Telephone Seminar
   Nationwide on January 13, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38992>
      http://benefitslink.com/events/detail.php?id=38992

IRA to IRA Transfers and Rollovers - Telephone Seminar
   Nationwide on January 27, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38988>
      http://benefitslink.com/events/detail.php?id=38988

IRA to IRA Transfers and Rollovers - Telephone Seminar
   Nationwide on March 24, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38989>
      http://benefitslink.com/events/detail.php?id=38989

IRA Update - Telephone Seminar
   Nationwide on January 5, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38993>
      http://benefitslink.com/events/detail.php?id=38993

IRA Update - Telephone Seminar
   Nationwide on March 2, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38994>
      http://benefitslink.com/events/detail.php?id=38994

Roth IRA Distributions - Telephone Seminar
   Nationwide on February 22, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38995>
      http://benefitslink.com/events/detail.php?id=38995

SEP Plans - Telephone Seminar
   Nationwide on March 29, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38996>
      http://benefitslink.com/events/detail.php?id=38996

SIMPLE IRA Plans - Telephone Seminar
   Nationwide on February 17, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38997>
      http://benefitslink.com/events/detail.php?id=38997

Withholding - Telephone Seminar
   Nationwide on February 24, 2005
   presented by BISYS Retirement Services
      <URL:http://benefitslink.com/events/detail.php?id=38998>
      http://benefitslink.com/events/detail.php?id=38998

Post yours!
   http://benefitslink.com/events/eventmaint.php


==========================================================
Newly Posted Press Releases

SIIA To Conduct Briefings On Compensation Practices
   (Self-Insurance Institute of America, Inc.)
   http://benefitslink.com/pr/detail.php?id=38501

CalPERS Discloses Private Equity Profits and Management Fees/Costs; Innovative 
Settlement Balances Transparency With Ability to Compete
   (CalPERS (California Public Employees' Retirement System))
   http://benefitslink.com/pr/detail.php?id=38500

Mortgage Benefits Corp. and First Consolidated Mortgage Company to offer 
Exclusive Stated Income Loan Product 
   (Mortgage Benefits Corporation)
   http://benefitslink.com/pr/detail.php?id=38502

Post yours!
   http://benefitslink.com/pr/maint.php


==========================================================
Newly Posted or Renewed Job Openings

Retirement Professionals
   for BeneTemps, Inc.
   in CT, MA, NY, RI
   http://benefitslink.com/modperl/show_a_job.cgi?database_id=H40758

Pension Administrator
   for The Benefits Consulting Group, Inc.
   in IL
   http://benefitslink.com/modperl/show_a_job.cgi?database_id=H41189

Daily Valuation Specialist/DC Record-Keeper
   for R-Tech Consultants, Inc.
   in CA
   http://benefitslink.com/modperl/show_a_job.cgi?database_id=H41190

Conversion/Compliance Specialist
   for Retirement Benefit Solutions, LLC
   in VA
   http://benefitslink.com/modperl/show_a_job.cgi?database_id=H41192

Assistant Administrator
   for McCready and Keene, Inc.
   in IN
   http://benefitslink.com/modperl/show_a_job.cgi?database_id=H41193

Senior Marketing Analyst
   for ICMA Retirement Corporation
   in DC
   http://benefitslink.com/modperl/show_a_job.cgi?database_id=H41195

Health & Welfare Consultant
   for National Consulting Firm
   in DC
   http://benefitslink.com/modperl/show_a_job.cgi?database_id=H41198

Retirement Project Manager
   for Hewitt Associates
   in IL
   http://benefitslink.com/modperl/show_a_job.cgi?database_id=H41199

Customer Service Project Manager
   for Hewitt Associates
   in IL
   http://benefitslink.com/modperl/show_a_job.cgi?database_id=H41200

ERISA Business Analyst
   for King & Spalding LLP
   in GA
   http://benefitslink.com/modperl/show_a_job.cgi?database_id=H41202

Post yours!
   http://benefitslink.com/jobs/post_help_wanted.html


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