Mos Blended Retirement System
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This webinar presentation provided information about the new Blended Retirement System for military members. It covered who would be affected by the changes to the retirement system, the timeline for implementation, and training courses available. The presentation also outlined the basics of the Blended Retirement System and highlighted some of its perceived benefits such as increased portability of retirement benefits, earlier savings opportunities, and incentives for full career service.
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Describe the principles of fee-for-service plans and managed care plans. What are the similarities and differences?
I want you to discuss and answer this question and to help you to do so I will upload a PowerPoint file helping you to answer this question.
Here are two of the classmates responses to this question read it and try to connect their responses to your answer and discussion.
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Fee-for-service plans (FSS) and managed care plans are both classes of insurance programs. In fee-for-service plans, the doctors and hospitals get paid for the service that they perform and test that they order. This plan provides protection against health care expenses in the form of a cash benefit that is paid to the insurer or directly to the health care provider after the employee has received health care services. However under this plan, the insurance company determines a deductible for the patient to pay and then they are responsible for the remainder of the amount. Under managed care plans, the plans emphasize cost control by limiting the patient’s choice of doctors and hospitals that they can use. The plan provides a list of physicians and hospitals that the plan holder can use at a reduced price.
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represents one of our individual projects for this semester. The project puts you in the position of a
benefits manager.
Project Overview:
You are charged with making recommendations as the leader of a pension study task force, for a
possible conversion of a company's benefit plan from a defined benefit plan to a defined
contribution plan. You are asked to make recommendations about how such a proposed defined
contribution plan would look and with communicating these changes to plan participants.
Final Products you need to submit to me to complete the pension project:
Recommendations from you, in the role of a leader of a pension study task force, for converting
the defined benefit plan of Eastern Alliance Company to a defined contribution plan. The revised
plan needs to meet ERISA standards for participant eligibility, enrollment, communication
standards and vesting requirements.
The project also requires that you draft a preliminary letter that will come from the Director of
Human Resources to plan participants communicating to them how Eastern Alliance Company's
pension plan has changed. This preliminary letter will serve as the basis to satisfy ERISA
requirements for communicating changes involving the pension plan to participants.
Memo
To: Benefits Manager
From: Burke Waltz, Director of Human Resources, Eastern Alliance
Re: Exploratory examination of converting Eastern Alliance's pension program from a defined
benefit pension plan to a defined contribution 401(k) plan.
As you know, due to the volatility of our pension expenses our organization, Eastern Alliance, has
decided to examine the feasibility of converting our defined benefit pension plan to a defined
contribution plan. Over the course of the past several years, our executives have come to the
conclusion that our defined benefits plan is unduly expensive for Eastern Alliance to maintain,
administratively burdensome, places a disproportionate amount of risk upon Eastern Alliance, and
is ineffective in attracting younger, more mobile employees to work for our organization because of
our vesting requirements.
The benefits survey which we purchase indicates that most companies which offer a retirement
plan offer a defined contribution plan, such as a 401(k), in which the employer promises certain
contributions to an employee's account but with no guaranteed retirement benefit. As a not-for-
profit firm interested in configuring our pension plan to reflect today's economic environment,
Eastern Alliance is forming a task force to examine the feasibility of converting our company's
pension plan from a defined benefit plan to a defined contribution plan. In your role as the Benefit
Manager for our firm, I am asking you to lead that task force.
To help you lead this task force, please find below details of the current Eastern Alliance ERISA
qualified defined benefit plan:
Characteristics of the.
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- It would provide a base pension benefit with potential increases targeted at RPI to provide an income for life within a fixed employer budget.
- Members would contribute 6% and the employer would contribute a fixed 17.1%. Pensions would accrue at a rate of 1/60th and include benefits for partners.
- Annual increases for current pensioners would be targeted at RPI but guaranteed to increase at least in line with CPI up to 2.5%. Deferred pensions would not be guaranteed revaluation.
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Describe the principles of fee-for-service plans and managed care plans. What are the similarities and differences?
I want you to discuss and answer this question and to help you to do so I will upload a PowerPoint file helping you to answer this question.
Here are two of the classmates responses to this question read it and try to connect their responses to your answer and discussion.
Gabrielle
Fee-for-service plans (FSS) and managed care plans are both classes of insurance programs. In fee-for-service plans, the doctors and hospitals get paid for the service that they perform and test that they order. This plan provides protection against health care expenses in the form of a cash benefit that is paid to the insurer or directly to the health care provider after the employee has received health care services. However under this plan, the insurance company determines a deductible for the patient to pay and then they are responsible for the remainder of the amount. Under managed care plans, the plans emphasize cost control by limiting the patient’s choice of doctors and hospitals that they can use. The plan provides a list of physicians and hospitals that the plan holder can use at a reduced price.
These plans are both similar because they offer a reduced price for medical and health coverage. Some differences between the two include how a patient can choose a physician or hospital. Under FSS, you can see a physician whenever you want or feel necessary. However, under managed care, when you see only the physicians that are affiliated with the plan, they then receive a strong financial incentive.
Trevor
The principles of a fee-for-service plan include a health insurance programs that that use cash benefits in order to help protect employees of an organization from expense that come from health care. Some things that are covered by this are physician charges, hospital expenses, and surgical expenses. One type of these service plans are indemnity plans. These plans are when the insurance company and the employer have a contract that specifically covers certain expenses. The next type of these plans are self-funded plans. These plans are when a company pays benefits from their own assets. Managed care plans control costs by limiting employee's decisions on doctors and hospitals. Fee-for-service plans and managed care plans are similar because they both provide health insurance for employees. Managed health care plans are more confusing because they have so many specifications, meanwhile fee-for-service plans is more basic that offers cash benefit for expenses.
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This project concerns employee pensions and is being introdu.pdf
This project concerns employee pensions and is being introduced to you at this point because it
represents one of our individual projects for this semester. The project puts you in the position of a
benefits manager.
Project Overview:
You are charged with making recommendations as the leader of a pension study task force, for a
possible conversion of a company's benefit plan from a defined benefit plan to a defined
contribution plan. You are asked to make recommendations about how such a proposed defined
contribution plan would look and with communicating these changes to plan participants.
Final Products you need to submit to me to complete the pension project:
Recommendations from you, in the role of a leader of a pension study task force, for converting
the defined benefit plan of Eastern Alliance Company to a defined contribution plan. The revised
plan needs to meet ERISA standards for participant eligibility, enrollment, communication
standards and vesting requirements.
The project also requires that you draft a preliminary letter that will come from the Director of
Human Resources to plan participants communicating to them how Eastern Alliance Company's
pension plan has changed. This preliminary letter will serve as the basis to satisfy ERISA
requirements for communicating changes involving the pension plan to participants.
Memo
To: Benefits Manager
From: Burke Waltz, Director of Human Resources, Eastern Alliance
Re: Exploratory examination of converting Eastern Alliance's pension program from a defined
benefit pension plan to a defined contribution 401(k) plan.
As you know, due to the volatility of our pension expenses our organization, Eastern Alliance, has
decided to examine the feasibility of converting our defined benefit pension plan to a defined
contribution plan. Over the course of the past several years, our executives have come to the
conclusion that our defined benefits plan is unduly expensive for Eastern Alliance to maintain,
administratively burdensome, places a disproportionate amount of risk upon Eastern Alliance, and
is ineffective in attracting younger, more mobile employees to work for our organization because of
our vesting requirements.
The benefits survey which we purchase indicates that most companies which offer a retirement
plan offer a defined contribution plan, such as a 401(k), in which the employer promises certain
contributions to an employee's account but with no guaranteed retirement benefit. As a not-for-
profit firm interested in configuring our pension plan to reflect today's economic environment,
Eastern Alliance is forming a task force to examine the feasibility of converting our company's
pension plan from a defined benefit plan to a defined contribution plan. In your role as the Benefit
Manager for our firm, I am asking you to lead that task force.
To help you lead this task force, please find below details of the current Eastern Alliance ERISA
qualified defined benefit plan:
Characteristics of the.
Learning about Social Security
This document provides information about Social Security benefits for retirement planning. It explains that Social Security is a federal program that provides benefits to retired and disabled people. Eligibility is based on earning credits through payroll taxes. The amount received depends on credits earned and the age benefits are taken. Though intended to supplement retirement, Social Security may only cover 40% of pre-retirement needs for many. The program faces strains as people live longer and more receive benefits. Planning contributions to retirement accounts can help offset reliance on Social Security.
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一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【q/微:1954292140】文凭即可
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留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
'Guidance and counselling- role of Psychologist in Guidance and Counselling.
It is about role of Psychologist in Guidance and Counselling.
一比一原版(TMU毕业证)多伦多都会大学毕业证如何办理
TMU本科学位证成绩单【微信95270640】☀️原版仿制多伦多都会大学毕业证书扫描件本科学位证书【办证Q微信95270640】TMU毕业证书扫描件原版仿制毕业成绩单，能完美还原海外各大学TMUBachelor Diploma degree, Master Diploma（本科/硕士多伦多都会大学毕业证书、成绩单）TMU大学Offer录取通知书、雅思成绩单、托福成绩单、雅思托福代考、语言证书、学生卡、高仿留服认证书等毕业/入学/在读材料。1:1完美还原海外各大学毕业材料上的多伦多都会大学毕业证书扫描件本科学位证书TMU毕业证书扫描件原版仿制毕业成绩单工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪。
【本科硕士】多伦多都会大学多伦多都会大学毕业证学位证（GPA修改）；学历认证（教育部认证）；大学Offer录取通知书留信认证使馆认证；雅思语言证书等高仿类证书。
办理流程：
1客户提供办理多伦多都会大学多伦多都会大学毕业证学位证信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）；
2开始安排制作毕业证成绩单电子图；
3毕业证成绩单电子版做好以后发送给您确认；
4毕业证成绩单电子版您确认信息无误之后安排制作成品；
5成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）
真实网上可查的证明材料
1教育部学历学位认证留服官网真实存档可查永久存档。
2留学回国人员证明（使馆认证）使馆网站真实存档可查。
我们对海外大学及学院的毕业证成绩单所使用的材料尺寸大小防伪结构（包括：多伦多都会大学多伦多都会大学毕业证学位证隐形水印阴影底纹钢印LOGO烫金烫银LOGO烫金烫银复合重叠。文字图案浮雕激光镭射紫外荧光温感复印防伪）都有原版本文凭对照。质量得到了广大海外客户群体的认可同时和海外学校留学中介做到与时俱进及时掌握各大院校的（毕业证成绩单资格证结业证录取通知书在读证明等相关材料）的版本更新信息能够在第一时间掌握最新的海外学历文凭的样版尺寸大小纸张材质防伪技术等等并在第一时间收集到原版实物以求达到客户的需求。
本公司还可以按照客户原版印刷制作且能够达到客户理想的要求。有需要办理证件的客户请联系我们在线客服中心微信：95270640 或咨询在线高楼最底屋最下面很矮很黑是很不显眼的地下室父亲的家安在别人脚底下须绕过高楼旁边的垃圾堆下八个台阶才到父亲的家很狭小除了一张单人床和一张小方桌几乎没有多余的空间山娃一下子就联想起学校的男小便处山娃很想笑却怎么也笑不出来山娃很迷惑父亲的家除了一扇小铁门连窗户也没有墓穴一般阴森森有些骇人父亲的城也便成了山娃的城父亲的家也便成了山娃的家父亲让山娃呆在屋里做作业看电视最多只能在门口透透气不能跟陌生人搭腔更家
一比一原版(UVic毕业证)维多利亚大学毕业证如何办理
UVic毕业证成绩单【微信95270640】《如何办理UVic毕业证维多利亚大学文凭学历》【Q微信95270640】《维多利亚大学文凭学历证书》《维多利亚大学毕业证书与成绩单样本图片》毕业证书补办 Fake Degree做学费单《毕业证明信-推荐信》成绩单，录取通知书，Offer，在读证明，雅思托福成绩单，真实大使馆教育部认证，回国人员证明，留信网认证。网上存档永久可查！
如果您是以下情况，我们都能竭诚为您解决实际问题：【公司采用定金+余款的付款流程，以最大化保障您的利益，让您放心无忧】
1、在校期间，因各种原因未能顺利毕业，拿不到官方毕业证+微信95270640
2、面对父母的压力，希望尽快拿到维多利亚大学维多利亚大学毕业证成绩单；
3、不清楚流程以及材料该如何准备维多利亚大学维多利亚大学毕业证成绩单；
4、回国时间很长，忘记办理；
5、回国马上就要找工作，办给用人单位看；
6、企事业单位必须要求办理的；
面向美国乔治城大学毕业留学生提供以下服务:
【★维多利亚大学维多利亚大学毕业证成绩单毕业证、成绩单等全套材料，从防伪到印刷，从水印到钢印烫金，与学校100%相同】
【★真实使馆认证（留学人员回国证明），使馆存档可通过大使馆查询确认】
【★真实教育部认证，教育部存档，教育部留服网站可查】
【★真实留信认证，留信网入库存档，可查维多利亚大学维多利亚大学毕业证成绩单】
我们从事工作十余年的有着丰富经验的业务顾问，熟悉海外各国大学的学制及教育体系，并且以挂科生解决毕业材料不全问题为基础，为客户量身定制1对1方案，未能毕业的回国留学生成功搭建回国顺利发展所需的桥梁。我们一直努力以高品质的教育为起点，以诚信、专业、高效、创新作为一切的行动宗旨，始终把“诚信为主、质量为本、客户第一”作为我们全部工作的出发点和归宿点。同时为海内外留学生提供大学毕业证购买、补办成绩单及各类分数修改等服务；归国认证方面，提供《留信网入库》申请、《国外学历学位认证》申请以及真实学籍办理等服务，帮助众多莘莘学子实现了一个又一个梦想。
专业服务，请勿犹豫联系我
如果您真实毕业回国，对于学历认证无从下手，请联系我，我们免费帮您递交
诚招代理：本公司诚聘当地代理人员，如果你有业余时间，或者你有同学朋友需要，有兴趣就请联系我
你赢我赢，共创双赢
你做代理，可以帮助维多利亚大学同学朋友
你做代理，可以拯救维多利亚大学失足青年
你做代理，可以挽救维多利亚大学一个个人才
你做代理，你将是别人人生维多利亚大学的转折点
你做代理，可以改变自己，改变他人，给他人和自己一个机会嘿的笑连连说记得记得但别忘了拿奖状进城啊考试一结束山娃就迫不及待地给父亲挂电话：爸我拿奖了三好学生接我进城吧父亲果然没有食言第二天就请假回家接山娃离开爷爷奶奶的那一刻山娃又伤心得泪如雨下宛如军人奔赴前线般难舍和悲壮卧空调大巴挤长蛇列车山娃发现车上挤满了叽叽喳喳的同龄人皆一脸惊喜地四处瞅山娃不认识他们也无暇去套近乎一味地跟着父亲昼夜兼程第二天凌晨就辗转到了父亲的城哇父亲的城真的好大好美哟走出广州火父
一比一原版(QU毕业证)皇后大学毕业证如何办理
QU本科毕业证成绩单【微信95270640】办理皇后大学毕业证原版一模一样、QU毕业证制作【Q微信95270640】《皇后大学毕业证购买流程》《QU成绩单制作》皇后大学毕业证书QU毕业证文凭皇后大学
本科毕业证书,学历学位认证如何办理【留学国外学位学历认证、毕业证、成绩单、大学Offer、雅思托福代考、语言证书、学生卡、高仿教育部认证等一切高仿或者真实可查认证服务】代办国外（海外）英国、加拿大、美国、新西兰、澳大利亚、新西兰等国外各大学毕业证、文凭学历证书、成绩单、学历学位认证真实可查。
【实体公司】办皇后大学皇后大学本科毕业证成绩单学历认证学位证文凭认证办留信网认证办留服认证办教育部认证（网上可查实体公司专业可靠）
— — — 留学归国服务中心 — — -
【主营项目】
一.皇后大学毕业证成绩单使馆认证教育部认证成绩单等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
国外毕业证学位证成绩单办理流程：
1客户提供皇后大学皇后大学本科毕业证成绩单办理信息：姓名生日专业学位毕业时间等（如信息不确定可以咨询顾问：我们有专业老师帮你查询）；
2开始安排制作毕业证成绩单电子图；
3毕业证成绩单电子版做好以后发送给您确认；
4毕业证成绩单电子版您确认信息无误之后安排制作成品；
5成品做好拍照或者视频给您确认；
6快递给客户（国内顺丰国外DHLUPS等快读邮寄）。
专业服务请勿犹豫联系我！本公司是留学创业和海归创业者们的桥梁。一次办理终生受用一步到位高效服务。详情请在线咨询办理,欢迎有诚意办理的客户咨询!洽谈。
招聘代理：本公司诚聘英国加拿大澳洲新西兰美国法国德国新加坡各地代理人员如果你有业余时间有兴趣就请联系我们咨询顾问：+微信:95270640开始山娃就知道父亲的家和工地共有一个很动听的名字——天河工地的底层空空荡荡很宽阔很凉爽在地上铺上报纸和水泥袋父亲和工人们中午全睡在地上地面坑坑洼洼山娃曾多次绊倒过也曾有长铁钉穿透凉鞋刺在脚板上但山娃不怕工地上也常有五六个从乡下来的小学生他们的父母亲也是高楼上的建筑工人小伙伴来自不同省份都操着带有浓重口音的普通话可不知为啥山娃不仅很快与他们熟识起来还成了无话不谈的好朋友可惜快乐的时光总是太短太匆忙吹
Exploring Career Paths in Cybersecurity for Technical Communicators
Brief overview of career options in cybersecurity for technical communicators. Includes discussion of my career path, certification options, NICE and NIST resources.
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'Guidance and counselling- role of Psychologist in Guidance and Counselling.
'Guidance and counselling- role of Psychologist in Guidance and Counselling.
Exploring Career Paths in Cybersecurity for Technical Communicators
Exploring Career Paths in Cybersecurity for Technical Communicators
Mos Blended Retirement System
- 1. WEBINAR: Aug. 16, 2016, 1 p.m. EDT Blended Retirement System Presenters: Ms. Kim Myers, outreach and public affairs specialist for financial readiness Maj. Mike Odle, assistant director of compensation for strategic communications
- 2. 2Blended Retirement System Disclaimer The appearance of hyperlinks does not constitute endorsement by the Department of Defense of this website or the information, products or services contained therein. For other than authorized activities such as military exchanges and Morale, Welfare and Recreation sites, the Department of Defense does not exercise any editorial control over the information you may find at these locations. Such links are provided consistent with the stated purpose of this Department of Defense - sponsored webinar.
- 3. 3Blended Retirement System The military retirement benefit
- 4. 4Blended Retirement System Blended Retirement System basics
- 5. 5Blended Retirement System » Members serving as of Dec. 31, 2017: • Will be grandfathered in to the current retirement system • Won’t be automatically moved to the Blended Retirement System » Currently-serving members who are eligible to opt-in to the Blended Retirement System: • Active: fewer than 12 years of total service as of Dec. 31, 2017 • Reserve: fewer than 4,320 retirement points as of Dec. 31, 2017 » Eligible members have until the end of 2018 to make their decision. • Members who want to stay covered under the current system – do nothing. • Members who decide the Blended Retirement System is better – can opt-in. » New accessions occurring on or after Jan. 1, 2018 are covered by the Blended Retirement System. Who is affected?
- 6. 6Blended Retirement System Opt-in eligibility choice
- 7. 7Blended Retirement System Blended Retirement System training Leader Course: Provides leaders a basic familiarity of the Blended Retirement System and an understanding of “opt-in” and major milestones for implementation. Available as of June 1, 2016. Financial Counselor / Educator Course : Counseling scenarios to equip financial professionals and retirement experts. Available in Fall 2017. Opt-In Course: Provides “opt in” population a comparison of current and new retirement systems; including scenarios and retirement comparison calculators. Computer-based course will be available in early 2017. Course will be MANDATORY for all identified as “eligible to opt- in” New Accession Course: Specialized course for members who joint the service after January 1, 2018; highlights the new components of the Blended Retirement S and includes retirement planning calculators.
- 8. 8Blended Retirement System Implementation timeline
- 9. 9Blended Retirement System » The decision to opt-in belongs to the member – the Department of Defense has no preference. Benefits include: • Greater portability of retirement benefits • Earlier savings for retirement • No longer ALL or NOTHING retirement plan • Covers more people • Recruiting incentive • Continuation Pay adds incentive to stay for full career • Lump Sum option gives choices at retirement • Encourages saving for retirement Blended Retirement System benefits
- 10. Questions?
- 11. Call. Click. Connect. Thank you for joining us today. For more information, log on to http://www.MilitaryOneSource.mil or call 800-342-9647.