Business considerations, and perhaps personal ones, guide an owner’s decision to sell a company or to expand operations through a merger or acquisition. Consequently, issues involving employee benefits plans are sometimes overlooked until well after the deal negotiations are underway. Delays in recognizing the importance of employee benefits issues to a merger or acquisition can increase the complexities of the transaction and/or create obstacles to its completion.
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The Health Insurance Portability and Accountability Act (HIPAA) enhances the “portability” of an individual’s health care coverage by limiting application of preexisting condition exclusions and by requiring “special enrollment” for certain individuals who previously turned down group health plan coverage.
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While employers continue to use cost shifting to control their health care plan expenses, many also are making wellness programs part of their health care cost control strategy and are seeing these programs as a long-term investment in a healthier workforce.
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Fresh out of school with a regular paycheck to spend… It’s no wonder that for many young workers, retirement is a distant thought, if one at all. These newest members of the workforce—Echo Boomers, born between 1979 and 1986—may be enjoying some of life’s pleasures that come with a regular paycheck, or they may be focused on paying school loans, car loans, and the monthly rent. In any case, most of them aren’t actively saving for retirement.
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