I.     How this Presentation will be Structured

A.             Core Concepts for Each Line of Coverage

B.             Premium Pricing Structure and Typical Costs

C.            Administrative Realities

II.   Life and AD&D Insurance

A.             Plan Designs

B.             Guaranteed Issue vs. Underwriting

C.            Premium Structure and Costs

D.            Table 1 Taxation

E.             Voluntary Life Insurance

F.             Beneficiary Reminders

III.   Disability Insurance – Short-Term

A.             Plan Designs

B.             Maternity Contract Provisions

C.            Benefit Integration with Social Sources

D.            Coordination with FMLA

E.             Taxation of Premiums and Benefits

F.             Premium Structure

IV.     Disability Insurance – Long-Term

A.             Plan Designs

B.             Definition of Disability

C.            Key Contract Components

D.            Pre-existing Condition Exclusions

E.             Benefit Integration with Social Sources

F.             Coordination with FMLA

G.            Termination of Employment

H.            What Drives Premiums

I.               Taxation of Premiums and Benefits

J.              Premium Structure and Typical Cost

V.   Dental Insurance

A.             In Network vs. Non Network Structure

B.             What is a DHMO and How Do They Work

C.            Category Slippage

D.            Key Contract Components

E.             Contribution Strategies

VI. Vision Insurance

A.             The Marketplace - The Reality of Non-Network Benefits

B.            Trends in Vision Frame/Lens Allowance

C.             What Drives Premiums

D.             Contribution Strategies

VII.      Medical Insurance – Plan Design

A.             The Marketplace

B.             The structure of in-network/non-network benefits

C.            Health Savings Accounts

VIII.   Medical Insurance – Cost and Pricing

A.             Fully Insured Premium Structures

B.             Typical Premiums

C.            Contribution Scenarios

IX.     401(k)

A.             Fee Disclosure – 408(b)(2) and 404(a)-5

X.     Section 125 Plans (FSAs)

A.             Plan Design Options

B.             Plan Administration Challenges

C.            Other Compliance Issues

XI.   Section 132 Plans (Commuter Plans)

A.             Plan Design Options

B.             Commuter Ordinances

XII.   COBRA

A.             A Detailed Discussion of COBRA Qualifying Events, including:

B.             Triggering Events vs Voluntary Loss of Coverage

C.            Second Qualifying Events

D.            Leave of Absences, including Senate Bill No. 299, Employment: Pregnancy or Childbirth leave

E.             In Anticipation of Divorce

F.             Medicare Entitlement

XIII. National Healthcare Reform (PPACA)

A.             Cheat Sheet Introduction

B.             An important analogy

C.            The Big Picture

D.            Provisions Effective 2010

E.             Provisions Effective 2011

F.             Provisions Effective 2013

G.            Provisions Effective 2014

XIV.      HIPAA Privacy and Security

A.             Protected Health Information

B.             Covered Entities

C.             Two Compliance Paths