This document discusses human capital services offered by Willis to organizations. It begins by stating that an organization's success depends on its human capital and managing employees is critical.
Willis offers brokerage and consulting services to help organizations design key human resources initiatives and address common challenges like employee communications, engagement, and benefits administration.
Willis' approach combines broker services with consulting tools to offer strategic benefits planning, implementation support, and ongoing performance reviews to help organizations meet their human capital goals. Specialist experts are also available to provide guidance in areas like healthcare management, legal issues, and communications.
This document provides an overview of employee benefits and compensation. It begins with learning objectives about defining benefits, distinguishing between mandated and voluntary benefits, discussing shifts in retirement plans, managing health care costs, and considering benefits administration. It then defines benefits and discusses strategic perspectives. It outlines how typical benefit dollars are spent and strategic considerations. It addresses benefit design decisions and measurements of effectiveness. It categorizes types of benefits such as security, retirement, health care, and time-off benefits. It provides details on specific benefits and considerations for managing costs. Overall, the document serves as a comprehensive guide to understanding and managing employee benefits.
Protecting Your Business with the Right InsuranceInsideUp
A good insurance company will guide you into a policy that is affordable and effective. Research and ensure that they cover small businesses and have your best interests at heart. InsideUp can help you find the right insurance provider for your business, with free competitive quotes from top providers. Visit http://www.insideup.com/compare/business_insurance
The narrator's cat stares at them evilly and they wonder if it has a secret second family. They consider getting a camera to monitor the cat's behavior when they are not home. Efforts to assert dominance over the cat and train it, such as eye contact, head rubbing, and putting it on a leash, are met with hostility from the cat. Researching cat training books provided helpful information and advice, and the cat is beginning to understand the narrator better after following the book's guidance.
The document is a Valentine's Day card from someone named Kara Bear to their significant other. It contains over 30 short poems and messages expressing their love through themes of being each other's light, promising to always be there for each other through hard times, and finding happiness in one another. It ends by signing "I Love You" from Kara Bear.
This document describes an NGO called SAPANA that aims to empower people and organizations socially and economically. It does this through training programs focused on gender equality, skills development, and socioeconomic empowerment. The document outlines SAPANA's history, objectives, target audiences, modules, projects, partners and action areas, which involve several countries around the world.
This document lists the names and dates of death of several famous musicians and artists, including Heavy D, Nick Ashford, Vesta Williams, Walter Hawkins, Etta James, Rick James, Teena Marie, Gil Scott-Heron, Michael Jackson, and Whitney Houston. It includes lyrics from "The Children are our Future" by Whitney Houston, reflecting on the legacy of these artists and how their contributions still inspire new generations through music.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Ravelry is a social network focused on fiber arts like knitting and crochet that has over 2 million users, making it the largest fiber arts community. It includes pattern and yarn databases, discussion groups, and personal profiles where users can display their projects. The network is superior to Facebook for fiber artists because it allows them to connect deeply over their craft through specialized discussion groups and resources rather than just as general social networking.
This document provides an overview of employee benefits and compensation. It begins with learning objectives about defining benefits, distinguishing between mandated and voluntary benefits, discussing shifts in retirement plans, managing health care costs, and considering benefits administration. It then defines benefits and discusses strategic perspectives. It outlines how typical benefit dollars are spent and strategic considerations. It addresses benefit design decisions and measurements of effectiveness. It categorizes types of benefits such as security, retirement, health care, and time-off benefits. It provides details on specific benefits and considerations for managing costs. Overall, the document serves as a comprehensive guide to understanding and managing employee benefits.
Protecting Your Business with the Right InsuranceInsideUp
A good insurance company will guide you into a policy that is affordable and effective. Research and ensure that they cover small businesses and have your best interests at heart. InsideUp can help you find the right insurance provider for your business, with free competitive quotes from top providers. Visit http://www.insideup.com/compare/business_insurance
The narrator's cat stares at them evilly and they wonder if it has a secret second family. They consider getting a camera to monitor the cat's behavior when they are not home. Efforts to assert dominance over the cat and train it, such as eye contact, head rubbing, and putting it on a leash, are met with hostility from the cat. Researching cat training books provided helpful information and advice, and the cat is beginning to understand the narrator better after following the book's guidance.
The document is a Valentine's Day card from someone named Kara Bear to their significant other. It contains over 30 short poems and messages expressing their love through themes of being each other's light, promising to always be there for each other through hard times, and finding happiness in one another. It ends by signing "I Love You" from Kara Bear.
This document describes an NGO called SAPANA that aims to empower people and organizations socially and economically. It does this through training programs focused on gender equality, skills development, and socioeconomic empowerment. The document outlines SAPANA's history, objectives, target audiences, modules, projects, partners and action areas, which involve several countries around the world.
This document lists the names and dates of death of several famous musicians and artists, including Heavy D, Nick Ashford, Vesta Williams, Walter Hawkins, Etta James, Rick James, Teena Marie, Gil Scott-Heron, Michael Jackson, and Whitney Houston. It includes lyrics from "The Children are our Future" by Whitney Houston, reflecting on the legacy of these artists and how their contributions still inspire new generations through music.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
Ravelry is a social network focused on fiber arts like knitting and crochet that has over 2 million users, making it the largest fiber arts community. It includes pattern and yarn databases, discussion groups, and personal profiles where users can display their projects. The network is superior to Facebook for fiber artists because it allows them to connect deeply over their craft through specialized discussion groups and resources rather than just as general social networking.
The document summarizes the human capital services offered by Willis to help organizations manage human resources challenges. Willis provides consulting services to help with challenges like employee communications, compliance, engagement, and health care costs. They develop strategies for benefits programs, provide plan administration support, and give access to subject matter experts in areas like health care management, legal issues, and HR. Willis also offers various online tools and resources for compliance, communications, and reporting.
Willis Human Capital Practice OverviewWillis Group
We provide Total Rewards Solutions for the price of Placement. Whether its employee benefits, performance management, HR outsourcing, attraction and retention of key employees or dealing with confusing healthcare reform legislation, Willis can help.
The document discusses Willis' human capital practice and the services they provide to help companies manage human resources and employee benefits. Willis offers consulting, brokerage, communications, compliance support, and wellness services to help companies address challenges like healthcare costs, employee engagement, and legal/regulatory changes. Their approach includes developing benefits strategies, managing plans, and benchmarking performance to help companies achieve their organizational goals through effective human capital management.
This document summarizes the human capital services offered by Willis. Willis offers comprehensive brokerage and consulting services to help companies with challenges like employee communications, compliance, engagement, and costs. Their services include strategy development, plan administration, consulting, and access to industry experts. Willis aims to help companies effectively manage their human capital risks and drive organizational goals.
Lenox Advisors provides comprehensive corporate benefits services and financial planning solutions to help employers and individuals achieve financial security and success. Their partnership with NFP Benefits allows them to offer an expansive portfolio of benefits products and services, technology resources, and personalized attention. Key offerings include group medical, dental and vision plans, life and disability insurance, retirement plans, and compliance guidance.
A Complex Post Affordable Care Act LandscapeDenny Weinberg
Denny Weinberg became CEO of HIXME.com, a startup that offers employers a technology-based benefits solution to simplify compliance with the Affordable Care Act. HIXME allows employees to access individual marketplace plans while maintaining employer-supported coverage. While enrollments in public programs increased under the ACA, employer-sponsored coverage actually declined. HIXME's model helps employers provide portable benefits and prevent further shifts from employer to taxpayer funded healthcare.
The document discusses Beneficial Associates, Inc. (BAI), a provider of employee benefit solutions. BAI has over 20 years of experience working with the Virginia Health Care Association to provide innovative solutions to their members. BAI can customize benefit programs, technology, and wellness solutions to help employers attract and retain quality staff while controlling costs. BAI also ensures compliance with regulations and aims to simplify benefit administration through technology and support services.
- The Affordable Care Act employer mandate requires companies with 50+ full-time employees to provide affordable health insurance to at least 95% of employees or face penalties.
- Complying with complex ACA reporting requirements, like analyzing workforce data and filing IRS forms, is challenging without outsourced support.
- Bundling outsourced payroll administration and benefits administration helps employers streamline reporting, reduce costs, and ensure compliance with evolving regulations.
As a business owner or operator, your work is about taking a series of risks over time – those you choose, and those that choose you. Your response to these business risks, or the decisions you make over time, will be closely examined by your shareholders, regulators, employees, business partners and customers. While you can’t totally avoid them, having the right coverage in place for each risk can protect you and your business from serious consequences.
Turn Your Business Risks into Growth. There’s no doubt that you could face these risks and more over the life of your business. But, if you’re prepared for them – with the right coverages – they can lead to growth instead. You’ll likely consider expanding your workforce at some point, or adding a new product line or vendor. Maybe you’ll face the loss of a key executive or major customer. You’re sure to experience increased regulatory oversight and maybe even acquire a new entity. For more on the coverages you’ll need to take these business risks and more,
Lenox's Group Benefits clients can access an expansive portfolio of benefits products and services through their partnership with NFP Benefits. This partnership combines over 185 owned firms into a powerful national network providing innovative and customized benefits strategies for employers of all sizes. Clients benefit from guidance on compliance issues, creative solutions to challenges, and assistance meeting critical employee needs like healthcare, retirement plans, disability, and more. The diverse client roster includes investment banks, hedge funds, and financial services companies.
Lenox's Group Benefits clients can access a powerful national partnership of independent benefit practices through their partnership with NFP Benefits. This partnership provides clients with an expansive portfolio of benefit products and services, technology resources, compliance guidance, and personalized service. It assists employers of all sizes in overcoming the challenges of today's complex benefits environment while helping meet employees' most critical needs such as medical, dental, life insurance, and retirement benefits. The partnership has created an industry-leading organization that can offer customized strategies and navigate regulatory changes for employers.
The document discusses how ADP Benefits Services provides a comprehensive, scalable benefits strategy and technology solution to help employers attract and retain top talent. It addresses the key influences ("the four Cs" of cost, compliance, consumerism, and culture) driving today's employee benefits landscape. ADP's integrated platform aims to help employers control costs while keeping their workforce happy and engaged by navigating changes in benefits legislation, requirements, and employee expectations.
OutBenz provides outsourced employee benefits administration and communication services to international startups and fast-growing companies in the UK. It was founded by Alan Frei who has 25 years of experience helping overseas companies expand into the UK and Europe. OutBenz takes on the full administration of client companies' employee benefit programs, relieving them of the burden of directly managing multiple benefit providers. This allows clients to avoid setting up extensive back office HR functions while still providing a competitive benefits package to recruit and retain top talent. OutBenz' services include benefits consulting, implementation, communications, and ongoing liaison between clients and all associated benefit providers and insurers.
The most precious asset of any business is its executive team. Part of the struggle that closely held (and public) companies face is their ability to attract and retain key employees. An executive bonus plan may be an effective strategy to hire away from your competition and keep your top people with your firm.
This document contains a business plan and projections for an insurance brokerage firm. It includes contact information, a confidentiality agreement, table of contents, and sections on the company summary, services, market analysis, strategy and implementation, management, and financial plan. The company aims to increase annual gross revenue by 7% over the next three years through focusing on its strengths, client base, and target market. Key aspects of the strategy include emphasizing service, building partnerships with clients, and focusing on small businesses with 2-50 employees.
ADP Human Capital Insights Magazine - Volume 2Mark Schmitt
The document discusses various topics related to human capital management. It begins by discussing the importance of security leaders being prepared for tomorrow's impacts by creating controls assurance, urgency, and momentum. It then discusses the Affordable Care Act annual health care reporting requirements, noting the countdown to the deadline has begun and the legislation requires accurate documentation and reporting to avoid penalties. Finally, it discusses how wage garnishments have hit an all-time high and provides an overview of the garnishment landscape and how it could affect companies and employees.
USI Retail Wholesale Distribution ProgramLeedsunited40
This document provides information on the specialty retail, wholesale, and distribution insurance and employee benefits program offered by USI. The program offers comprehensive commercial insurance including property and liability coverage as well as employee benefits. USI has over 50,000 clients and is the largest privately held brokerage in the US specializing in these industries. They have local offices nationwide and deep expertise in risks facing specialty retail and distribution businesses.
This document discusses how Multiple Employer Plans (MEPs) can help provide retirement plans to uncovered workers, especially those employed by small businesses. It notes that about one-third of private sector workers currently do not have access to employer-sponsored retirement benefits. MEPs allow small businesses to pool resources and administrative functions, achieving economies of scale similar to large plans. Proposed legislation would make MEPs more accessible by removing commonality requirements among participating employers. MEPs have the potential to significantly increase retirement plan coverage for workers currently without access to benefits.
This document provides information about YSource, an Australian human resources management firm. YSource is the country's first hybrid HR outsourcing and consulting company. It separates a client's HR department and implements it under YSource's structure to deliver full internal HR services and provide risk mitigation. YSource offers independence, assurance of efficiency, and separation from potential influences to ensure rapid implementation of regulatory changes for clients. The document outlines YSource's background, services, and how it combines aspects of traditional internal HR departments and consulting firms.
Barry holds a B.S. in marketing from Western New England University. Additionally, he is a notable alumnus of the Discovery Programme for Senior Executives at the London Business School. Barry Bulakites is a well-known thought leader in his field who is frequently published and sought out for consultation. He performs more than 250 speaking engagements annually and is a frequent public speaker.
Starting a business is like embarking on an unpredictable adventure. It’s a journey filled with highs and lows, victories and defeats. But what if I told you that those setbacks and failures could be the very stepping stones that lead you to fortune? Let’s explore how resilience, adaptability, and strategic thinking can transform adversity into opportunity.
Dive into this presentation and learn about the ways in which you can buy an engagement ring. This guide will help you choose the perfect engagement rings for women.
The document summarizes the human capital services offered by Willis to help organizations manage human resources challenges. Willis provides consulting services to help with challenges like employee communications, compliance, engagement, and health care costs. They develop strategies for benefits programs, provide plan administration support, and give access to subject matter experts in areas like health care management, legal issues, and HR. Willis also offers various online tools and resources for compliance, communications, and reporting.
Willis Human Capital Practice OverviewWillis Group
We provide Total Rewards Solutions for the price of Placement. Whether its employee benefits, performance management, HR outsourcing, attraction and retention of key employees or dealing with confusing healthcare reform legislation, Willis can help.
The document discusses Willis' human capital practice and the services they provide to help companies manage human resources and employee benefits. Willis offers consulting, brokerage, communications, compliance support, and wellness services to help companies address challenges like healthcare costs, employee engagement, and legal/regulatory changes. Their approach includes developing benefits strategies, managing plans, and benchmarking performance to help companies achieve their organizational goals through effective human capital management.
This document summarizes the human capital services offered by Willis. Willis offers comprehensive brokerage and consulting services to help companies with challenges like employee communications, compliance, engagement, and costs. Their services include strategy development, plan administration, consulting, and access to industry experts. Willis aims to help companies effectively manage their human capital risks and drive organizational goals.
Lenox Advisors provides comprehensive corporate benefits services and financial planning solutions to help employers and individuals achieve financial security and success. Their partnership with NFP Benefits allows them to offer an expansive portfolio of benefits products and services, technology resources, and personalized attention. Key offerings include group medical, dental and vision plans, life and disability insurance, retirement plans, and compliance guidance.
A Complex Post Affordable Care Act LandscapeDenny Weinberg
Denny Weinberg became CEO of HIXME.com, a startup that offers employers a technology-based benefits solution to simplify compliance with the Affordable Care Act. HIXME allows employees to access individual marketplace plans while maintaining employer-supported coverage. While enrollments in public programs increased under the ACA, employer-sponsored coverage actually declined. HIXME's model helps employers provide portable benefits and prevent further shifts from employer to taxpayer funded healthcare.
The document discusses Beneficial Associates, Inc. (BAI), a provider of employee benefit solutions. BAI has over 20 years of experience working with the Virginia Health Care Association to provide innovative solutions to their members. BAI can customize benefit programs, technology, and wellness solutions to help employers attract and retain quality staff while controlling costs. BAI also ensures compliance with regulations and aims to simplify benefit administration through technology and support services.
- The Affordable Care Act employer mandate requires companies with 50+ full-time employees to provide affordable health insurance to at least 95% of employees or face penalties.
- Complying with complex ACA reporting requirements, like analyzing workforce data and filing IRS forms, is challenging without outsourced support.
- Bundling outsourced payroll administration and benefits administration helps employers streamline reporting, reduce costs, and ensure compliance with evolving regulations.
As a business owner or operator, your work is about taking a series of risks over time – those you choose, and those that choose you. Your response to these business risks, or the decisions you make over time, will be closely examined by your shareholders, regulators, employees, business partners and customers. While you can’t totally avoid them, having the right coverage in place for each risk can protect you and your business from serious consequences.
Turn Your Business Risks into Growth. There’s no doubt that you could face these risks and more over the life of your business. But, if you’re prepared for them – with the right coverages – they can lead to growth instead. You’ll likely consider expanding your workforce at some point, or adding a new product line or vendor. Maybe you’ll face the loss of a key executive or major customer. You’re sure to experience increased regulatory oversight and maybe even acquire a new entity. For more on the coverages you’ll need to take these business risks and more,
Lenox's Group Benefits clients can access an expansive portfolio of benefits products and services through their partnership with NFP Benefits. This partnership combines over 185 owned firms into a powerful national network providing innovative and customized benefits strategies for employers of all sizes. Clients benefit from guidance on compliance issues, creative solutions to challenges, and assistance meeting critical employee needs like healthcare, retirement plans, disability, and more. The diverse client roster includes investment banks, hedge funds, and financial services companies.
Lenox's Group Benefits clients can access a powerful national partnership of independent benefit practices through their partnership with NFP Benefits. This partnership provides clients with an expansive portfolio of benefit products and services, technology resources, compliance guidance, and personalized service. It assists employers of all sizes in overcoming the challenges of today's complex benefits environment while helping meet employees' most critical needs such as medical, dental, life insurance, and retirement benefits. The partnership has created an industry-leading organization that can offer customized strategies and navigate regulatory changes for employers.
The document discusses how ADP Benefits Services provides a comprehensive, scalable benefits strategy and technology solution to help employers attract and retain top talent. It addresses the key influences ("the four Cs" of cost, compliance, consumerism, and culture) driving today's employee benefits landscape. ADP's integrated platform aims to help employers control costs while keeping their workforce happy and engaged by navigating changes in benefits legislation, requirements, and employee expectations.
OutBenz provides outsourced employee benefits administration and communication services to international startups and fast-growing companies in the UK. It was founded by Alan Frei who has 25 years of experience helping overseas companies expand into the UK and Europe. OutBenz takes on the full administration of client companies' employee benefit programs, relieving them of the burden of directly managing multiple benefit providers. This allows clients to avoid setting up extensive back office HR functions while still providing a competitive benefits package to recruit and retain top talent. OutBenz' services include benefits consulting, implementation, communications, and ongoing liaison between clients and all associated benefit providers and insurers.
The most precious asset of any business is its executive team. Part of the struggle that closely held (and public) companies face is their ability to attract and retain key employees. An executive bonus plan may be an effective strategy to hire away from your competition and keep your top people with your firm.
This document contains a business plan and projections for an insurance brokerage firm. It includes contact information, a confidentiality agreement, table of contents, and sections on the company summary, services, market analysis, strategy and implementation, management, and financial plan. The company aims to increase annual gross revenue by 7% over the next three years through focusing on its strengths, client base, and target market. Key aspects of the strategy include emphasizing service, building partnerships with clients, and focusing on small businesses with 2-50 employees.
ADP Human Capital Insights Magazine - Volume 2Mark Schmitt
The document discusses various topics related to human capital management. It begins by discussing the importance of security leaders being prepared for tomorrow's impacts by creating controls assurance, urgency, and momentum. It then discusses the Affordable Care Act annual health care reporting requirements, noting the countdown to the deadline has begun and the legislation requires accurate documentation and reporting to avoid penalties. Finally, it discusses how wage garnishments have hit an all-time high and provides an overview of the garnishment landscape and how it could affect companies and employees.
USI Retail Wholesale Distribution ProgramLeedsunited40
This document provides information on the specialty retail, wholesale, and distribution insurance and employee benefits program offered by USI. The program offers comprehensive commercial insurance including property and liability coverage as well as employee benefits. USI has over 50,000 clients and is the largest privately held brokerage in the US specializing in these industries. They have local offices nationwide and deep expertise in risks facing specialty retail and distribution businesses.
This document discusses how Multiple Employer Plans (MEPs) can help provide retirement plans to uncovered workers, especially those employed by small businesses. It notes that about one-third of private sector workers currently do not have access to employer-sponsored retirement benefits. MEPs allow small businesses to pool resources and administrative functions, achieving economies of scale similar to large plans. Proposed legislation would make MEPs more accessible by removing commonality requirements among participating employers. MEPs have the potential to significantly increase retirement plan coverage for workers currently without access to benefits.
This document provides information about YSource, an Australian human resources management firm. YSource is the country's first hybrid HR outsourcing and consulting company. It separates a client's HR department and implements it under YSource's structure to deliver full internal HR services and provide risk mitigation. YSource offers independence, assurance of efficiency, and separation from potential influences to ensure rapid implementation of regulatory changes for clients. The document outlines YSource's background, services, and how it combines aspects of traditional internal HR departments and consulting firms.
Barry holds a B.S. in marketing from Western New England University. Additionally, he is a notable alumnus of the Discovery Programme for Senior Executives at the London Business School. Barry Bulakites is a well-known thought leader in his field who is frequently published and sought out for consultation. He performs more than 250 speaking engagements annually and is a frequent public speaker.
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𝐔𝐧𝐯𝐞𝐢𝐥 𝐭𝐡𝐞 𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐄𝐧𝐞𝐫𝐠𝐲 𝐄𝐟𝐟𝐢𝐜𝐢𝐞𝐧𝐜𝐲 𝐰𝐢𝐭𝐡 𝐍𝐄𝐖𝐍𝐓𝐈𝐃𝐄’𝐬 𝐋𝐚𝐭𝐞𝐬𝐭 𝐎𝐟𝐟𝐞𝐫𝐢𝐧𝐠𝐬
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2. An organization’s success depends
on its human capital. The task of
recruiting, retaining and motivating
employees is more important now than
ever and represents a substantial
investment in time and money. Wise
decisions are critical in these areas
to effectively drive and support
organizational goals.
The Willis Human Capital Practice
offers a comprehensive suite of
brokerage and consulting services to
proactively work with your
organization to design and deploy
key Human Resources initiatives.
3. EMPLOYER CHALLENGES
Willis has decades of experience working with companies like yours. Each
organization is different with its own unique challenges. Below are just a few of the
challenges we help employers with:
Employee communications
Compliance
Employee engagement
Managing the rising cost of health care
Engaging employees in healthy behavior
Recruitment and retention
Vendor management
Benefits administration
Reducing absenteeism/presenteeism
Increasing productivity
Adjusting to changing workforce demographics
WILLIS SOLUTIONS
Our approach is unique: Willis has combined the best qualities of a true broker with the tools
and resources of a pure consulting firm to offer our clients the full array of services they
need at competitive prices.
START WITH A STRATEGY
At Willis, we work with you to establish a strategy for your benefits program. Once a strategy
is determined, we provide you with options to meet your goals and develop a detailed action
plan to facilitate a successful approach to meet your needs. Finally, we continually review
performance to ensure your organization’s goals are met.
You can expect Willis to also support your organization with:
Plan marketing
Open enrollments
Benefits administration solutions
Day-to-day account management
Consulting services
Benchmarking
Willis 1
4. OUR INDUSTRY EXPERTS WORK FOR YOU
In addition to your local team, we have a national practice comprised of industry experts.
These specialists are frequently asked to speak at national and local industry events. Our
subject matter experts are published in industry journals and are recognized as industry
leaders in their fields. Our industry expertise includes:
Health care cost management
Health care and pension actuarial services
ERISA attorneys
Employment law attorneys
Human resources
Auditing services
Employee communications
Carrier/vendor management
Retirement plans
Multinational benefits
Executive and Specialty Benefits
Underwriting
Voluntary benefits
Willis develops publications written specifically for our clients. We keep you updated on
legislative activity and trends impacting human capital management. You also benefit from
our numerous educational webcasts and local seminars.
THE WILLIS SUBJECT
MATTER EXPERTS
COMMUNICATION PRACTICE
Your plan is only as valuable as it is perceived by your employees. Willis
assists with employee communication and education through:
A comprehensive set of customized communication campaign options:
open enrollment, new hire benefits guides, wellness initiatives and
everything in between
Full service print, fulfillment and distribution solutions
Innovative communication technologies, such as text messaging, email
campaigns and video presentations
A web portal for managing forms, communicating information and
providing answers
2 Willis
5. EMPLOYEE BENEFITS NATIONAL LEGAL AND
HRFocus
February 2009 – Issue 20 www.willis.com
RESEARCH GROUP (NLRG)
LEGAL &
COMPLIANCE NLRG is a team of ERISA attorneys and legal
2009 VERSION OF
MASSACHUSETTS HIRD professionals with expertise in state and federal
FORM RELEASED
The Commonwealth of Massachusetts Division of Health Care
regulations affecting your employee benefits
Finance and Policy has recently released the 2009 version of its
Health Insurance Responsibility Disclosure (HIRD) form. The
Massachusetts Health Care Reform Act (HCRA) makes employers
with 11 or more full-time equivalent employees responsible for
LEGAL & COMPLIANCE
2009 Version of Massachusetts
programs. As a Willis Human Capital Practice
distributing and collecting signed employee HIRD forms. Although HIRD Form Released 1
employers need not use the state’s HIRD form, they will want to
review the 2009 form, because any alternative form that they use must
collect the same information. A copy of the form can be found here:
San Francisco Health Care
Security Ordinance (HCSO)
2009 Reminders 2
client, you have access to their expertise, as well
http://www.mass.gov/Eeohhs2/docs/dhcfp/g/hcr/employee_hi
rd_2009.pdf.
HR CORNER
Employers: It’s Time to Talk
as our web-based Compliance Manual. In
HIRD FORM REQUIREMENTS About Unions 3
Massachusetts employees who waive group health coverage or decline
to participate in an employer’s Section 125 cafeteria plan must sign a
HIRD form. Even those employees who are waiving coverage because
WELLNESS WORKS
Most Workers Come
to Work When Sick 4
addition, we have a dedicated team to assist
they have coverage through another source must sign the form.
Employees who choose to drop coverage, during the year or at open
enrollment, and newly hired employees who decline coverage, also
need to sign the HIRD form. Employees participating in an employer’s
YOU BE THE JUDGE
Did the Plan Administrator Act
Arbitrarily in Denying Benefits
clients with Form 5500 filings.
group health plan, or who are ineligible for both the employer’s group for a Drunk Driving Injury? 5
health plan and its Section 125 plan do not sign the HIRD form.
SINCE YOU ASKED
The employer must collect the signed employee HIRD form within Coverage Decision “In Anticipation”
30 days after the close of the applicable open enrollment period for of COBRA Event? 6
the employer’s health insurance or cafeteria plan, or by September
NEWS
30 each year, whichever is earlier. Employees who drop coverage at
any point during the year must sign the form within 30 days of Washington Paid Leave on Hold 7
HR PARTNER
dropping coverage. For new hires who decline coverage, the form CMS Report: U.S. Health Spending
must be signed within 30 days following the end of the initial Hits $2.2 Trillion 7
enrollment period.
WEBCASTS & EVENTS
continued on page 2 HR Recession Planning 8
CONTACTS 9
To help clients face the competing demands
placed on today’s human resources department,
Willis created HR Partner. Our team stays abreast of human resources trends and best
practices in all areas of human capital management. Some of our expertise includes, HR
strategic planning, total rewards, policies and procedures, performance management, leaves
of absence, training and development, and much more. The HR Partner consultants can
support your human resource initiatives by answering questions, providing hands-on
support or supplying you with best practice forms, policies and procedures checklists, and
other sample tools. In addition, you will benefit from a number of our strategic partnerships
providing you access to technology and resources at a discounted rate for our clients.
WILLIS TRAINING SOLUTIONS
An online training system with over 100 courses provides an easy, cost-effective way to
assign and track training of managers and employees on a variety of compliance and HR
related topics.
WILLIS ONLINE
A secure web portal designed for you and your Willis Client Advocate® to share documents,
track action items and reduce paperwork related directly to the management of your benefit
plans and HR practices. You can access the Willis Client Toolkit, stocked with the
customizable documents needed to run a successful HR Department.
SEARCH WILLIS
Search Willis gives you 24/7 access to a comprehensive library of plain-English HR
compliance help. You’ve found the place for fast, reliable employment and labor law answers
— so you can do your job better and faster.
Willis 3
6. With Search Willis you can:
Select from an extensive library of prewritten, ready-to-use
checklists, policies, forms, letters, documents, etc. that can
be customized to create policies and handbooks in minutes.
Keep up on all the latest news, white papers, as well as
federal and state legislation impacting HR, and access
State Comparison Charts, all of which will keep you
informed.
Access the training library, where you will find audio
training presentations, more than 100 PowerPoint®
presentations on key HR topics, from FLSA, FMLA and
ADA to managing non-English-speaking employees.
Slides, speaker notes, quizzes, take-aways...they’re all
there and all done.
Create job descriptions using Job Description Manager, an online tool with sample job
descriptions for more than 2,400 job titles.
Research compensation data, benchmark salaries and help your organization remain
competitive.
Create employee newsletters that can be emailed, printed or linked on your company
intranet.
Search Willis is “Everything-HR-in-one-place.”
FINANCIAL REPORTING
How will you know if your plans are performing well, or if you are making effective decisions
about changes to your program design, without measurement? Willis offers dashboard
reporting to help our clients understand the financial performance of their benefits plans.
Reports include an executive summary, month-by-month data analysis and renewal
forecasting. In addition, we offer Willis Med to our larger clients, which utilizes medical and
prescription claim data to identify clinical incidence rates within the employer population
via a sophisticated data warehousing system. Once targeted, specific action plans are
created to assess vendors, benefits design or create incentives to better manage critical
disease states. Beyond these services, Willis offers underwriting and actuarial services to
assist you with better controlling and managing health care cost.
WINNING WITH WILLIS
Willis helps clients optimize business results by reducing the costs
associated with their human capital investment. One way of doing
this is to provide your employees with the content, tools,
resources and support needed to adopt and sustain individual
behavior change. The simple fact is the vast majority of health
care events are driven by our lifestyle choices. Lifestyle choices
can be changed. They are driven by our own attitudes and
behaviors around diet, exercise and healthy living in general.
Willis partnered with some of the nation’s most trusted sources to
provide Willis members with key resources through a robust
consumer engagement portal linking employees on one website.
4 Willis
7. Willis has collaborated with the Centers for Disease
Control and Prevention to present accurate, relevant and
actionable health information directly to our clients, their
employees and family members. Winning With Willis also
provides the tools and resources needed to increase ones
personal commitment to their health and well-being.
Physical Activity and Nutrition Support
Discounted access to fitness and nutrition programs
by Jillian Michaels. Access to the Biggest Loser League
online community, a forum to create corporate
challenges and get employees engaged by
participating in a health and fitness regimen co-
branded by the popular NBC television show.
Healthy Headlines
Articles and current news about health topics and issues to help employees get
and stay healthy.
Willis Rewards
An online reward tracking and delivery platform, which provides employee discounts to
best-in-class vendors and access to a virtual health fair 24/7.
WELLNESS CONSULTING
Our Wellness consulting services help our clients plan and implement key strategic healthy
initiatives designed to deliver a return on investment. We customize our approach with each
client to meet each organization’s individual needs and desired outcomes. One such solution
is Willis WellBeing, a turn key wellness program. Willis WellBeing is an online member
wellness site featuring nutrition and exercise tips, as well as lifestyle content to encourage
healthy behavior.
DELIVERING ON RESULTS
We provide each service through our Client Advocacy service model using our Glocal
resource approach to client delivery. Your local Willis team works in conjunction with our
national and global subject matter experts to provide world class resources seamlessly. This
is all accomplished under the leadership of your Client Advocate who serves as your single
point of contact for recommending, designing and delivering solutions customized
especially for your organization.
GETTING STARTED
Contact your local Willis Client Advocate® to learn more about how we partner with
companies to manage human capital risk…one employee at a time.
Willis 5