Spectra Newsletters
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Jan 25 2012
DOL Rules for Benefit Information Coverage Requirements Delayed On August 22nd 2011, the United States Department of Labor, Health and Human Services; along with The Treasury Department put forth a proposal that would establish rules for health insurance providers. This proposal is known as the Summary of Benefits and Coverage and Uniform Glossary requirements of PHS Act § 2715. more... |
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Jan 06 2012
Payroll Tax Cut Temporarily Extended Into 2012 On December 23rd, 2011 a payroll tax cut extension through February 2012 was passed by congress and signed by President Obama. more... |
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Dec 16 2011
Medical Loss Ratio (MLR) Final Regulations Issued On December 2, 2011, the Department of Health and Human Services (HHS) issued revised regulations on the Medical Loss Ratio (MLR) provision of the Patient Protection and Affordable Care Act. Beginning in 2011, insurers and HMOs must annually calculate their MLR and provide rebates to policyholders if their MLR (percent of premium revenue spent on claims/medical care) is less than 85 percent for large groups and 80 percent for small groups or individuals. The revised rules make important changes to the MLR calculation and rebate distribution requirements. more... |
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Nov 29 2011
FAQs - Affordable Care Act and Implementation & Mental Health Parity Implementation Set out below are additional Frequently Asked Questions (FAQs) regarding implementation of the market reform provisions of the Affordable Care Act, as well as FAQs regarding implementation of the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA). These FAQs have been prepared jointly by the Departments of Health and Human Services (HHS), Labor and the Treasury (the Departments). Like previously issued FAQs (available at http://www.dol.gov/ebsa/healthreform/), these FAQs answer questions from stakeholders to help people understand the new law and benefit from it, as intended. more... |
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Nov 07 2011
Dollar Limit and Social Security Increases for 2012 and The Automatic IRA Act of 2011 The contributions and benefits under qualified retirement plans are subject to certain annual limits. The annual limits are subject to an annual cost-of-living increase based on the increase in the Consumer Price Index or CPI. more... |
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Sep 05 2011
Rules for Benefit Information proposed by DOL and The Treasury Department On August 22nd 2011, the United States Department of Labor, Health and Human Services; along with The Treasury Department put forth a proposal that would establish rules for health insurance providers. If enacted, beginning March 23, 2012, a summary of benefits along with a clear glossary of terms that are routinely used by health insurance providers would be required. more... |
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Aug 04 2011
New Guidelines Provide Additional Women’s Preventive Care On August 1, 2011, the Department of Health and Human Services (HHS) released an amendment to the Interim Final Regulations for preventive care under the Patient Protection and Affordable Care Act (PPACA). more... |
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Jul 01 2011
Roth Versus Traditional 401(k): Which is Right for You? More plan sponsors offer the Roth 401(k) option today than ever before. Many employees are tyring to decide what option best fits their personal needs. It's important to have an understanding of how the Roth verses traditional 401(k) plans work, including the pros and cons of each. more... |
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Jun 01 2011
401(k) Trends: Automatic or Negative Default Enrollment As the U.S. economy remains under the microscope, financial advisors and behaviorists alike are postulating on how best to overcome the debt-buying culture that many Americans have become accustomed to. Cultural-change initiatives are being created to give Americans more confidence in their individual futures and retirement. more... |
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Apr 01 2011
Small Business Tax Credit Health reform legislation signed by President Obama includes a Small Business Health Care Tax Credit to help small businesses afford the cost of covering their workers. more... |
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