What PPACA Standards Mean for Employer Health Plans

In 2014, under the Patient Protection and Affordable Care Act (PPACA), plans offered through state-level health insurance exchanges must meet minimum standards for scope of benefits and member cost sharing. Employers with more than 100 employees generally won't have access to the exchanges before 2017, but exchange standards could influence employer health plan design and funding decisions. And large employers that opt to offer coverage to full-time employees must comply with similar, though less stringent, standards.

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How Employee Microsegmentation Drives Behavior Change to Control Health Costs

In a roundtable discussion, three Towers Watson experts discuss how organizations can control health care spending and boost employee engagement by microsegmenting employee populations to target the appropriate health management strategies and tactics to specific demographic groups.

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How to Optimize Shifting Benefit Plan Value

Organizations need to control plan costs while offering retirement benefits that attract and retain the right people. Four senior Towers Watson retirement consultants discuss why companies need to think of retirement plans not as isolated benefits but rather as components of a sustainable total rewards program.

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Finding Best-Fit Benefits for Internationally Mobile Employees

Internationally mobile employees (IMEs) play a critical role in supporting global business strategies. The right mix of IME benefits helps attract this talent and ensure high engagement over the long term. Towers Watson's 2012 Benefits for Internationally Mobile Employees Survey enables multinationals to compare and benchmark their IME benefits from design, administration, cost and strategy perspectives. The results cover IME benefits ranging from medical and wellness to pensions and other perquisites.

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Managing Absence and Disability for Better Financial Outcomes

In many Canadian organizations, concerns over unplanned employee absences and disability claim incidence have escalated even more rapidly than worries over rising employee health care costs. Towers Watson's 2011/2012 Staying@Work study found, however, that Canadian companies with highly effective health and productivity programs are successfully tackling the absence/disability challenge, while also boosting market premiums, shareholder returns and revenue per employee. Three senior Health and Group Benefits consultants discuss the results and provide tips for employers.

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