Spectra Newsroom
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Sep 01 2009
401(K) Trends - 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. Cultural-change initiatives are being created to give Americans more confidence in their individual futures and retirement. more... |
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Aug 25 2009
Healthcare’s Alphabet Soup Can Provide Employer Savings When researching healthcare benefits plans for employees, the Health Reimbursement Arrangement (or HRA) may appear to offer more advantages to the plan sponsor than the Health Savings Account (HSA). The two healthcare programs offer a variety of direct and indirect benefits and it’s important to understand the differences. more... |
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Jun 29 2009
Some state contractors caught off guard by new insurance mandate The State of Utah, thanks in part to President Obama's stimulus package, plans to inject millions into the state's economy this summer repairing aging infrastructure. But some construction firms already busy mending Utah's roads and bridges were caught off guard last week when they received letters informing them of drastic changes in the state's health insurance guidelines scheduled to take effect July 1. Signed into law in March, House Bill 331 mandates that some state departments require construction companies with contracts valued at $1.5 million or more and subcontractors with contracts of $750,000 or more to provide health care to their employees and their families. more... |
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Jun 24 2009
Contractors Take Notice—H.B 331 Takes Effect July 1, 2009 As the forces behind the nation’s healthcare reform discussion take center stage, it is important that we track the incidental but meaningful changes that are already underway at the state level. In about a week, Utah H.B. 331 - Health Insurance Coverage in State Contracts (Dunnigan) takes effect. more... |
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Jun 16 2009
Roth Verses Traditional 401(k): Which to Choose? Many are scrambling to make changes to their employer-based retirement plans to slow down the recent savings bloodletting. More than ever, 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 2009
The new 403(b) unveiled: 2009 updates and why you should care Business owenrs aren't the only ones who need ot pay attention to retirement plan rules this year. Those who manage a school, hospital, charity or research institution should also take time to understand the similarities and differences between a 401(k) and 403(b), as new rules took affect at the beginning of 2009. Named for the section number of IRS code, 403(b) plans are quickly becoming identical in most ways to 401(k) plans. more... |
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Jun 01 2009
Take Care - Employers Offer Smart Savings for Health Care Expenses Health care accounts are a solution to employers looking for an alternatieve to traditional health insruance benefits and can benefit both employer and employees. more... |
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May 27 2009
IRS Throws Employers a Retirement Plan Net On May 18, 2009, the IRS published proposed regulations, “Suspension or Reduction of Safe Harbor Non-elective Contributions,” that would allow for the temporary suspension of previous “Safe Harbor” rules. This much-needed relief will help prevent employers from terminating their retirement plans. more... |
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May 19 2009
Changes to Group Health Plans Required by CHIPRA There is little doubt that the coming year will bring more change in U.S. health care policy than at any time in the last 50 years. Since February, there are additional changes and clarifications to the Children’s Health Insurance Program Reauthorization Act (CHIPRA) and its impact on employers. more... |
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May 12 2009
Part II: Benefits Trends’ Impact on Utah American employers recognize that recent events have made an indelible mark on how benefits need to be addressed going forward—employees care about their benefits more now than ever before. more... |
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| Media Relations Contacts: |
| Melissa Clyne Scribe Inc. 801.486.6763 melissa@scribepr.com |
| Lee Rech Scribe Inc. 801.556.8423 lee@lbrcommunications.com |
