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Life Expectancy & The Global Economy
Earlier diagnosis of disease and better public health policies can drive further gains in future life expectancy
Life expectancy has steadily improved internationally for well over a century. In recent years, however, there are signs that the rate of mortality improvement has slowed in a number of advanced countries. Statistically, it is difficult to determine if the recent slowdown is simply a short-term blip or more permanent.
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Apathy, Disenfranchisement and the Culture of the Worksite
The whole truth about employee disengagement
Most companies struggle with employee disengagement. It’s costly in productivity, profitability and stress. Gallup’s engagement survey data published in 2017 found that 2/3 of U.S. workers are not engaged. American companies have invested billions of dollars per-year for many years to solve this problem.
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Great Expectations: Americans Want More from Companies
Businesses can make a positive difference with employees by committing to societal impact
A growing number of American workers expect their employer – current or future – to contribute to the community and world around them, and these expectations have only risen in the past year.
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On Pensions & System Solvency
Actuaries Urge Continuation of Efforts to Address Multiemployer Pension System Challenges
Following the congressional Joint Select Committee on Solvency of Multiemployer Pension Plans’ reaching its statutory deadline without coming to an agreement on proposed legislation to address multiemployer system solvency issues, the American Academy of Actuaries urges Congress to continue efforts to address the issues.
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2019 Forecast: 5 Trends to Expect in Voluntary Benefits
Planning for the impact of debt, caregiving, saving... and financial wellness
In today’s tight job market with employers vying to recruit and retain top talent, it’s no surprise that voluntary benefits are now a “must-have” in the employee benefits package. In addition to explosive growth in the range of available voluntary benefits in recent years, their popularity among employees is reaching new heights as well.
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Research with Voya Finds Small Changes to Retirement Enrollment Website Can Drive Positive Outcomes
How strategic web-design can enhance auto-enrollment activity
Voya Financial, Inc. (NYSE: VOYA), is sharing new findings from research conducted in association with the Voya Behavioral Finance Institute for Innovation. In a working paper titled “ Save(d) by Design ,” scientists from Carnegie Mellon University, City, University of London and UCLA published results from a pioneering field study that involved more than 8,500…
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The 3 P’s to Becoming an Engaged Healthcare Consumer
Your insurance will pay for it... These are the six words that killed American healthcare
by Dr. Josh Luke
Has your business or startup made a major purchase only to find out later you overspent significantly? How often are you making this same mistake with healthcare? Moreover, it’s likely that your employees are making this mistake every day, yet they may not even know they have an option.
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Trends in Health Savings Account Balances, Contributions, Distributions, and Investments, 2011‒2017
A long-term view of account holder behaviors
The Employee Benefit Research Institute (EBRI) developed the EBRI HSA Database to analyze the state of and individual behavior in Health Savings Accounts (HSAs). The HSA database contains 5.9 million accounts with total assets of $13.4 billion as of Dec. 31, 2017.
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Caregivers Are Getting Younger, As Stress, Mental Health Issues Continue Unabated
Costs of care include emotional, physical & financial impacts
Caregivers in the United States are getting younger and continue to struggle with stress and depression, no matter what their age, according to Genworth’s Beyond Dollars Study 2018[2] released today. Genworth has conducted the Beyond Dollars Study about every three years since 2010 as part of its mission to help families prepare for the challenges…
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Workers Rely Heavily on Equity Compensation to Build Wealth, but Hold Too Much Company Stock
Millennial employees have a greater share of their net worth in equity compensation than do their Gen X and Boomer counterparts
A new survey from Schwab Stock Plan Services reveals that equity compensation accounts for a significant portion of participants’ net worth, with many employees’ portfolios overweighted in company stock even though they state they regularly rebalance their investment accounts.
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The 401(k) Turns 40
It has come a long way... but what's next?
by Lori Lucas
The 40th anniversary of the introduction of Sec. 401(k) to the Internal Revenue Code is particularly significant to me on several levels. As a retirement professional, I have seen my career closely track the ups and downs of 401(k) plans.
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The Midterm Election Results Have Big Implications for Health Care
In the new Congress, we may see legislation to improve the stability of the individual health insurance market and lower high drug prices
As pundits spend the coming days unpacking the implications of last night’s election, one takeaway is already clear. Yesterday’s results, both federal and state, will have important consequences for health care, which was a major campaign issue. About four in 10 Americans turning out to vote across the country chose health care as the most…
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Are Your Clients’ Employees Selecting the Right Health Plan?
You can help them to stop making costly mistakes!
by Chad Wilkins
When employees do not understand their health plan options and the factors that influence health plan selection, they could end up making a costly mistake. Selecting the “wrong plan” may cause employees to pay more without getting more coverage or benefits in return.
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