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Cowden Associates, Inc. Hires Top Talent for Health and Benefits, Retirement/Actuarial and Compensation Practices

PITTSBURGH, December 10, 2018 — Pittsburgh-based Cowden Associates, Inc. (Cowden), the leading independent actuarial, compensation, and employee benefits consulting firm in the tri-state region, has hired Erin L. Gallagher, senior analyst for health and benefits, Christian Slates, analyst for retirement/actuarial, and Sean Gallagher, compensation and financial analyst.Read Full Press Release

IRS 2019 Annual Benefit Plan Limits

See the chart of the IRS 2019 Annual Benefit Plan Limits here.

One Size Does Not Fit All - Smart Business Magazine Article by Elliot Dinkin

In this economy — with the current and future workforce — it’s vital to offer a total compensation plan of base compensation, incentives, benefits, time off, ancillary, etc.Just like you would research a new product or service before launching it, including taking a futuristic approach, you need to study your workforce’s demographics to determine what … Continued

Joint Select Committee on Solvency of Multiemployer Pension Plans Committed to Continued Work

The deadline for the Joint Select Committee on Solvency of Multiemployer Pension Plans (JSC) to vote on and propose new legislation that attempts to solve the multiemployer pension crisis has come and gone with no proposal agreed upon. See our article from last week for a summary of where the committee left off, Preliminary Proposal … Continued

Preliminary Proposal from the Joint Select Committee on Solvency of Multiemployer Pension Plans

Tomorrow, November 30, 2018, is the deadline for the Joint Select Committee on Solvency of Multiemployer Pension Plans (JSC) to vote on and propose new legislation that attempts to solve the multiemployer pension crisis. The JSC held several hearings during the first half of 2018 to better understand the current crisis and gain perspectives from … Continued

Compliance Overview: Determining Whether Prescription Drug Coverage is Creditable

This “Compliance Bulletin” outlines methods for determining whether a group health plan’s prescription drug coverage is considered creditable. The coverage creditability must be reported to individuals eligible for Medicare Part D and the Centers for Medicare and Medicaid Services (CMS). Links to, both, the model creditable coverage notices for individuals and the online disclosure form … Continued

Compliance Bulletin: DOL's Model FMLA Forms Expire in 2018

The Department of Labor (DOL) maintains model forms to help employers meet their notification obligations under the Family and Medical Leave Act (FMLA). The DOL’s current model forms include an expiration date of June 30, 2018. This date is based on a regulatory approval process, and not on the substance of the model forms. Employers … Continued

ACA Compliance Bulletin: Affordability Percentages Will Increase for 2019

On May 21, 2018, the IRS issued Revenue Procedure 2018-34 to index the contribution percentages in 2019 for purposes of determining affordability of an employer’s plan under the Affordable Care Act (ACA). The updated affordability percentages are effective for taxable years and plan years beginning January 1, 2019. This is a significant increase from the … Continued

How to Negotiate the Price in the Deal

When we are in discussion with a prospect and setting forth our value proposition, expertise, experiences, etc., the question becomes: At what point do we show our hand? We often think that we should wait, look for clues or sometimes just come right out and ask: What’s your budget? Are you looking for the best … Continued

Compliance Bulletin: IRS Announces HSA Limits for 2019

On May 10, 2018, the IRS announced the 2019 inflation-adjusted limits for health savings accounts (HSAs) and high deductible health plans (HDHPs).  Employers who sponsor HDHP plans may need to make plan design changes reflecting the new limits, for plan years beginning in 2019.  Also, if an employer communicates the HSA contribution limits to employees … Continued

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