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March Bulletin 2014

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    Denver 303.839.5177 Scottsdale 602.955.7558 Colorado Springs 719.667.0677 Fort Collins 970.223.4107 Fax 303.861.4403 Toll Free 800.884.1328

    Page 1New Guidance on Out-

    of-Pocket Maximums

    Page 2You Asked:

    What Does It Mean to Care for a Family Member Under the FMLA?

    Book Review: Great by Choice: Uncertainty, Chaos, and Luck

    Why Some Thrive Despite Them All

    Page 3People Analytics: A Strategic Focus

    on People Management

    Page 4Embracing Flexible Work

    and Telecommuting

    Marijuana in Colorado: What Employers Need to Know

    Page 5Mentoring: One Members Key

    to New Hire Success:

    Public Employers: Employee Fired for Party Affiliation

    Sues Under First Amendment

    Page 6Survey News

    Page 7Economic Perspective

    MARCH 2014

    Part XVIII: New Guidance on Out-of-Pocket MaximumsPeggy Hoyt-Hoch, Employment Law Services

    The Affordable Care Act now subjects all non-grandfathered health plans to cost-sharing limitations (a.k.a. out-of-pocket maximum costs or OOP maximums). While the Depart-ments of Health and Human Services (HHS) and Labor and the Internal Revenue Service allowed transitional relief this year, recently issued joint guidance confirms that it will not last beyond the end of the 2014 plan year. Transitional relief has allowed plans to apply OOP maximums to each separate category of benefits to avoid having to coordinate expenses between or among multiple claims administrators or multiple vendors.

    For the plan year beginning on or after Janu-ary 1, 2015, non-grandfathered plans must limit participants OOP maximums to the same OOP maximums published annually for High Deductible Health Plans, combined with Health Savings Accounts (HDHPs). The 2014 OOP maximums are $6,350 for self-only coverage and $12,700 for other coverage. The agencies will publish 2015 maximums at the end of the year.

    Guidance confirms that OOP maximums only apply to essential health benefits (EHBs). EHBs are the 10 categories of core benefits quali-fied health plans must cover. The categories are prescription drugs, hospitalization, mater-nity and newborn care, ambulatory services, emergency care, mental-health and sub-stance-use disorder services, chronic disease management, and pediatric services includ-ing oral and vision care. OOP maximums do not include other participant costs such as

    employee contributions, adult vision or dental care, crowns or implants, or additional medi-cal services not classified as EHBs. Nor do they include out-of-network items that did not tra-ditionally count toward a maximum.

    Employers who use multiple providers should strategically review their claims processing procedures to determine the best approach for their 2015 plan design. It may be most effec-tive to use a central unit to collect, monitor, coordinate, and control payments toward the OOP maximum between your various vendors. Alternatively, separate OOP limits can be cre-ated and assigned to the various categories of benefit vendors, as long as the combined max-imum is no more than the published amounts. For example, a plan could set the OOP maxi-mum for hospitalization at $1,000, prescription drugs at $1,000, and $4,350 for remaining major medical expenses. This allocation meets the 2014 combined cap for self-only cover-age of $6,350. Before considering an allocation like this, self-funded plans should determine whether assigning separate maximums could result in higher claim costs for the plan or higher costs to participants.

    The guidance offers large and self-funded plans some latitude to define their own EHBs, as long as they use an acceptable alternative. See a list of authorized categories of EHBs, at Additional details about benchmark EHB plans are available at

    Last Issue!

    The Bulletin will be going

    electronic in April.

    Continued on page 3

  • The Bulletin March 2014

    The Bulletin March 2014 MSEC.org2

    What Does It Mean to Care for a Family Member Under the FMLA?Tina Harkness, Membership Development

    We receive many calls from mem-bers who are perplexed as to

    the extent to which they must allow an employee to care for a covered family member with a serious health condition. Most members are aware that the Fam-ily and Medical Leave Act (FMLA) defines care broadly to include both physical and psychological care, but they are not sure what that means.

    Must the employee provide direct care to the family member? No. The employees care of the family member can be direct or indirect. Examples of direct care include tending to basic medical, hygienic, nutritional, or safety needs or transporting the family member to and from medical appointments. Psy-chological care can be indirect and encompasses providing comfort and reassurance to the family member.

    Does care include arranging for others to care for the family member? Yes. Care includes situations where the employee may need to substitute for others who normally care for the family member, or arrange for changes in care, such as arranging for the family members transfer to a nursing home.

    Can I deny leave because other family members or individ-uals are available to care for the family member? No. The employee does not have to be the only person avail-able to care for the family member to take leave.

    Does the employee have to be in close physical proximity to the family member? Yes. Courts have rejected employee claims that they were providing care because they were not in close physical prox-imity to the family member. For example, a court held that the employees frequent telephone contact with his wife and badly injured daughter in Florida while he was in Texas tend-ing their yard and preparing their home for his daughters return did not constitute care. The court said that caring for someone required physical proximity and some actual care.

    Does care include housekeeping and similar tasks? Probably not. A court said that an employees three-day absence to clean his mothers house following flooding was not care because the employee did not show that the cleaning was medically necessary for his mother. Had the employee presented evidence that his mothers hepatitis was in danger of being aggravated if he did not immedi-ately clean after the flooding, the outcome might have been different.

    Does care for the family member have to occur at home? Not necessarily. An employee was providing care when he took his five-year-old daughter with late-stage cancer to a football game where she was honored at halftime. The employee helped his daughter on to the field and provided psychological comfort to her during the game. Another employee took FMLA to accompany her terminally ill mother on vacation in Las Vegas. Even though the purpose of the trip was to engage in tourist activities, the employee was her mothers primary caregiver and provided for her mothers basic medical needs during the trip.

    What can I do to ensure that an employee is using leave to care for a family member? You can require employees requesting leave to care for fam-ily members to be specific about what care they will be providing during the leave. You can also require the fam-ily members health care provider to be specific when filling out the medical certification form as to how and when the employee will be providing care. And, you can contact us for help with questionable situations.

    Continued on next page

    Book Review: Great by Choice: Uncertainty, Chaos, and LuckWhy Some Thrive Despite Them AllPatrick Butler, Human Resource Services

    Jim Collins and Morten T. Hansen have written an incisive analysis of why some organizations crumble and others thrive in trying times. Their findings contradict the notion that a company that fails in a bad economy does so primarily due to that economic environment and that the companys fate was largely out of its control. After studying organiza-tions that fared well and those that did not in economically difficult eras, they identified three characteristics that pros-perous companies sharedfanatic discipline, productive paranoia, and empirical creativity.

    Collins and Hansen termed the successful companies 10Xers because they beat their industrys market returns by at least 10 times during the period studied. One exam-ple is Southwest Airlines. The authors examined the period 1972 through 2002, a time that saw numerous blows to the industry including deregulation, labor strife, fuel shocks, and 9/11. During that 20-year period, Southwest beat the entire market 63-fold. The company they compared Southwest to, Pacific Southwest Airlines, was eventually swallowed up by another airline.

  • The Bulletin March 2014

    The Bulletin March 2014 3

    People Analytics: A Strategic Focus on People ManagementAlyssa Leonas, Human Resource Services

    What if you could track the number of times your employ-ees smile and determine the impact of those smiles on your customers? You may be surprised to learn that Harrahs Las Vegas Hotel and Casino currently does this. Harrahs tracks dealers smiles and has statistically determined the impact those smiles have on their patrons. This is an example of people analyticsa new way to assess employee fit, per-formance, and potential.

    Advances in technology give HR professionals more data and more ways to use data than ever before. People ana-lytics is on the rise in all areas of HR, including hiring, development, succession planning, and employee retention.

    While interviews remain an important part of assessing fit, many organizations are analyzing patterns of data to predict success of candidates. Historically, employers have used skill assessments and tests to determine whether someone has the necessary knowledge, skills, and abilities. Now, organiza-tions can access detailed information about how applicants will fit into the organization, and even evaluate their capac-ity to excel as leaders.

    Unbelievably, video games can be used to determine per-formance potential or fit of individuals in various jobs, and their potential to advance. The results factor in personality and behavioral components such as persistence, creativity, ability to learn from mistakes, and emotional intelligence. An advantage of using statistical data to make hiring and promotional decisions is that it removes our subconscious biases, to truly find the best match.

    People analytics also takes the guesswork out of succession planning. Organizations can pinpoint individuals with high leadership potential and begin to develop them long before they step into a leadership role. Algorithms can determine characteristics and competencies of individuals who will synergize and succeed as a team. Analysis can draw deeper meaning from an individuals communication patterns via e-mail. Commonly used phrases and styles of communica-tion can point to the potential for success in certain roles.

    Use of people analytics even affects employee retention. Organizations have developed algorithms to determine which individuals are most likely to leave their positions based on factors such as length of service, number of pro-motions over a given period of time, changes in 401(k) investments, and more.

    People analytics opens the door to many possibilities. Surely, we will see their use become increasingly common as more companies adopt a data-driven approach to people man-agement decisions.

    The authors found that organizations that are fanatically disciplined hold themselves accountable to sticking to what makes them successful, regardless of the business environ-ment. They understand what makes them successful and, when times become difficult, they buckle down and con-tinue to focus on what makes them exceptional. In contrast, the companies that failed during down times did not fail because they refused to change. Indeed, they changed much more than the 10Xers did, desperately looking for a silver bullet that was not to be found.

    That is not to say that 10Xer companies were intransigent. They exhibited ongoing empirical creativity. They were always looking for new business opportunities, but would only act based on empirical evidence. When evidence was lacking, they would commit just enough resources to deter-mine whether the project was viable, but not so much that they would risk their overall financial standing if it failed.

    When the business environment was favorable, 10Xers were notably productively paranoid. They were incessantly afraid of what threat was around the corner that they were not anticipating. These companies were always looking for their own weaknesses even when from the outside they seemed impenetrable. And when the economic environment turned south, they were better girded to weather the storm.

    Collins and Hansen also examined the role luck playsboth good and badin whether companies succeed or fail in bad economic times. They found that the 10Xers and their com-parison companies experienced almost the same number of good and bad luck instances. The difference was that the 10Xers took better advantage of instances of good luck.

    These findings should be heartening to organizations striving to succeed in adverse times.

    Continued from previous page

    Continued from page 1

    The agencies have confirmed that in audits for OOP maxi-mum compliance in 2015 they will use discretion and work with self-funded plans who adopt an EHB alternative defini-tion in good faith.

    Employers who fully insure their benefit plans need only confirm that their insurance carriers are complying with required maximums. The carriers will manage any allocation of the maximum in their design, if they find it advantageous to do so.

  • The Bulletin March 2014

    The Bulletin March 2014 MSEC.org4

    Embracing Flexible Work and TelecommutingPeg McHugh, Human Resource Services

    U.S. Census Bureau reports show that the number of Amer-ican workers working from home increased 41 percent between 2000 and 2012. Why do some companies offer flexible work and telecommuting when others shy away? Four companies offer their views and experiences below.

    Why do you offer flexible work and telecommuting?Chris Hytry Derrington, CEO of Rural America Onshore Outsourcing, believes flexible telecommuting jobs for rural residents are a smart way to bring jobs back to the U.S. lost to outsourcing. Hytry Derrington realized the complications of outsourcing often outweigh the ben-efits, so he created a company to help employees hire U.S. workers who telecommute from their rural homes. The flexibility offered to each worker usually depends upon the specific job. Most of their IT positions have telecommuting opportunities due to employees access to high-speed internet. Other flexibility options avail-able include part-time, flex hours, and freelance work assignments.

    Optimize Worldwide started recruiting for remote sales representatives in an effort to build a sales force and produce a steady flow of business. To reach new regions, they offered telecommuting sales positions to profes-sionals already living in the markets into which they wanted to expand.

    McGraw Hill Financial Group found having flexible work options helped them weather Hurricane Sandy in 2012. Once they realized that remote work could be effec-tive and productive, they expanded use of flexible work options as part of normal business operations.

    What are the benefits of offering more flexibility?Employees appreciate it. Hytry Derrington says, Offer-ing flexibility shows them we appreciate their time and understand they have other obligations in life. We believe offering these benefits decreases stress and burnout and leads to a healthier and more productive associate.

    Offering flexibility that employees cannot find elsewhere may also give an employer a competitive advantage. Charles Myers, Head of Support for HotelTonight, says that offering flexibility helps his company, retain higher qual-ity employees who wouldnt want to work anywhere else.

    Are there any downsides?One of the biggest fears employers have about tele-commuters is that they will be less productive. Matt Morgan, CEO of Optimize Worldwide acknowledges

    that, Accountability and work ethic is solely up to the employee. As the owner, I have tools to monitor activity, but only on a macro level. Managing a remote workforce means adopting new management techniques and phi-losophies to make it work.

    Companies considering offering flexible work and telecommuting should weigh the pros and cons and start by determining which jobs and employees would benefit from more flexibility. Flexible work and telecom-muting are not appropriate for every worker or every job. Successful flex workers tend to possess qualities of self-direction, self-motivation, self-discipline, and responsiveness as well as skills in problem solving, orga-nization, and time management. They also tend to be workers who seek continuous improvement and educa-tion throughout their careers. Companies should look for these attributes when recruiting workers for flexible work arrangements.

    Marijuana in Colorado: What Employers Need to KnowAlicia Williams, Employment Law Services

    With the recreational sale of marijuana now legal in Colo-rado, employers need to know that they may continue to have and enforce their drug policies.

    Colorados Amendment 64 does not require employers to accommodate marijuana use. Moreover, in April 2013, the Colorado Court of Appeals affirmed that off-duty marijuana smoking is not protected under Colorados lawful off-duty activities law. Coats v. Dish Network, L.L.C. (Colo. Ct. App. 2013). The Colorado Supreme Court is reviewing this deci-sion, but for now, employers retain the authority to take disciplinary action, including termination, in response to a positive drug-test result or on-the-job impairment. We are finding, however, that employees are not clear on this.

    If your employees seem confused about what the legal-ization of marijuana means for enforcement of your drug policy, clarify that your organization prohibits use and pos-session of all drugs, including marijuana. If you conduct drug testing, detail the circumstances and procedures for such testing. And obtain employees signed acknowledge-ments of the policy. If you have to discipline or terminate an employee, you can show that he or she received the policy and should have been aware of its requirements.

  • The Bulletin March 2014

    The Bulletin March 2014 5

    Human Resources

    Mentoring: One Members Key to New Hire SuccessKathleen Hart, Human Resource ServicesStarting at a new organization can feel like visiting a new country. Each com-pany has its own rules, values, language, dress, communication styles, and acceptable behaviors. New employees need a safe way to learn and ask ques-tions without breaking unspoken norms and facing embarrassment or worse. Providing mentors is one way organiza-tions can build a positive connection with new employees and help them be successful.

    MSEC member Christian Living Com-munities (CLC) started a mentorship program a few years ago for Certified Nursing Assistants (CNA) and nurses that is still successful today. Janet Lyons, Executive Director of Clinical Services, and Pat McBride, Director of Staff Devel-opment, headed the change initiative with amazing results. Since CLC imple-mented the program, the retention rate for nurses has gone from 45 percent to 90 percent and state health department citations dropped from 122 to 14.

    Keys to the programs success include:

    Identify Need: The need for CLCs pro-gram came mainly from the cost and impact of turnover. This included staff

    time in training new employees and the impact turnover had on their value of providing an engaging and caring envi-ronment for residents.

    Determine Scope: Through external research as well as asking internal staff why they stay, Janet and Pat developed the program based on two premises that tie to employee success and reten-tion: (1) knowing the rules, including the values and mission of the organiza-tion and standards of practice, and (2) having a best friend at work.

    Develop Requirements: CLC had three criteria for mentors: solid job skills and performance, behaviors supporting the organizations mission and values, and enjoyment in training others. Men-tors had to fill out an application and questionnaire, go through an interview process, and commit to the program for a full year. The mentors commitment included providing the mentee individ-ualized training and support in learning the core competencies of the job, devel-oping a positive relationship with the mentee, and helping the mentee assimi-late into the team.

    Provide Training: Mentors received eight hours of training on topics such as developing positive relationships, team-work, giving respectful feedback, time management, how to deal with stress, what mentees need and when, and how to handle change. Mentors also meet with each other every month to share their ideas and best practices.

    Gather Feedback: Mentors and men-tees evaluate each other every month. This feedback ensures the relationship and program is progressing.

    Keep Program Visible and Celebrate: The CNA mentors presented training they developed to the Board. When mentees complete the yearlong pro-gram, CLC throws a big graduation party and the mentors introduces men-tees as co-workers. Often mentees go on to become mentors.

    The program has helped new hires learn about CLC and have a sense of belonging and support that includes a best-friend connection. A win for CLC, and its employees and residents.

    Employee Fired for Party Affiliation Sues Under First AmendmentLorrie Ray, Membership Development

    In a situation that has become more common, political affiliation is at the heart of another public sector employ-ees First Amendment claim against his ex-employer. Burkley v. Mun. Auth. of Westmoreland Cnty. (W.D. Pa. 2014).

    Burkley began working for Municipal Authority of Westmoreland County in 2002 as their attorney. He was also a prominent Democrat in the county. He served as the partys chair, ran as a democratic candidate for U.S. Congress in 1990 and 1992, and regularly acted as spokesperson for the countys Demo-cratic Party.

    In January 2013, two Republicans were elected to the countys board

    of commissioners, creating a Repub-lican majority on the board. Burkley alleged that the new commission-ers set up interviews for a new county attorney, inviting only four registered Republicans to apply. The board then fired Burkley and replaced him with a Republican.

    Burkley sued claiming the county s action violated his First Amendment right to freedom of association. The court ruled that political patronage dismissals could violate First Amend-ment, unless the employer could show that party affiliation is an appropri-ate requirement for the public office involved. The county argued that the

    high-level advisory role of the county attorney made party affiliation a job requirement. The court was not con-vinced and allowed Burkleys case to go forward to trial.

    As politics becomes more polarized in cities and counties across the country, we can expect to see more cases like this. Those advising elected officials need to help them understand the pro-tections afforded to the employees and consultants they work with in their role as county commissioners and city and town council members.

  • The Bulletin March 2014

    The Bulletin March 2014

    Survey Highlights:2013 Miscellaneous Benefits & Pay Practices Survey Arizona, Colorado, and WyomingWhat are other organizations paying toward automobile reimbursement? Do organizations provide paid time off for employees to volunteer? How often are pay days? How often do organizations review salary ranges? What types of incentive/bonuses programs are offered?

    These are a just a few of the questions answered in the 2013 Miscellaneous Ben-efits and Pay Practices Survey. This survey provides data from 492 organizations located in Metropolitan Denver/Boulder, Northern Colorado, Colorado Springs, Pueblo, Resort Areas, the Western Slope, and Wyoming. The Arizona edition has 39 organizations located throughout Metropolitan Phoenix, Tucson, and other regions throughout the state.

    Other topics included in this report are: Hiring/Employment Practices, Review Period for New Hires, Hours of Work, Performance Appraisals, Communication Methods/Practices, and Employer Sponsored Programs. This survey also includes questions on Pay Practices comprising Incentives/Bonuses, Overtime, Compen-sation Administration, and Severance Pay.

    Colorado Survey HighlightsTechnology Eighty-nine percent of organizations provide one or more employees with some sort of wireless communication device. Sixty-two percent allow the use of per-sonal phones/smartphones in the workplace. Thirty percent of organizations are using tablets as personal computers.

    Automobile/Mileage ReimbursementSeventy-five percent of participants pay the IRS per-mile reimbursement.

    Tuition AidFifty-eight percent of employers offer Tuition Aid. Of those, 14 percent have no limit on the amount an employee may receive in one year down slightly from 2011 when 18 percent reported no limit. Twenty-one percent of employers offer up to the tax-free limit of $5,250 per year.

    Alternative Work ArrangementsOf the 92 percent of employers offering Alternative Work Arrangements, 68 percent allow employees to work at home or at off-site locations during work hours (not on a regular basis) slightly higher than the 62 percent reported in 2011. Thirty-four percent have telecommuting (regular off-site work arrange-ment) up slightly from 32 percent reported in 2011.

    Volunteer / Community ServiceThirteen percent of employers provide a specific number of days per year for employees to have a paid day from work to do volunteer or community service. The average number of days provided is 3 days per year. Two percent of employers allow paid time off with no limit to the number of days per year that can be taken.

    Moving AllowanceNine percent of employers pay full moving expenses for new hires, while 31% will pay partial expenses. Twelve percent will pay full moving expenses for trans-ferees, and 30 percent will pay partial expenses. Thirty-eight percent of these organizations have a required time period that the employee must stay after relocation or have to pay back the company for the moving expenses.


    Survey News

    To request copies of the surveys, please contact the MSEC Surveys Department. Copies of these resources are available to authorized personnel of MSEC members. Call 800.884.1328, email [email protected], or go online to

    Notice of Surveys Being Conducted2014 Benchmark Compensation SurveyThe questionnaire for the 2014 Bench-mark Compensation Survey for Arizona, Colorado, and Wyoming employers is emailed in early March. This survey includes positions that cross all indus-tries in the following job families: general support, financial, human resources, legal, sales/marketing, engineering, production, procurement, as well as information tech-nology, and executive jobs.

    Participants can go to and download the job descriptions, question-naire rate sheet, and general information form for completion.

    If you would like to participate in this sur-vey but have not received a questionnaire invite, please contact the Surveys Depart-ment at 800.884.1328 or [email protected]

    FREE Program: Survey Job Matching WorkshopMarch 15, 2014 8:30-11:30am Are you confused about how to match your organizations incumbents to jobs in MSECs Benchmark Compensation Sur-vey? If so, join us for a half-day workshop. MSEC survey staff will work with you to match jobs in your organization to posi-tions in this benchmark survey.

    This workshop is designed exclusively for persons completing the Benchmark Com-pensation Survey questionnaire for the first time. It is essential that participants bring copies of their organizations job descriptions to use during the hands-on workshop.

    Space is limited to 15 participants. Call 800.884.1328 to reserve your seat today!

  • The Bulletin March 2014

    The Bulletin March 2014

    Definitions/sources(1) Bureau of Labor Statistics, U.S. Dept. of LaborP = Preliminary DataN = Not Seasonally AdjustedA = Seasonally AdjustedD = Reflects revised population controls and model reestimationE = Reflects inputs, reestimations, and new statewide controlsR = RevisedC = Corrected

    For more information:

    Unemployment Rate

    (CPI) Consumer Price Index

    (ECI) Employment Cost Index

    Figures reported for Denver, Colorado and U.S. are from the Current Population Survey [Federal Method] Latest Date Latest Figure / Year Ago

    WEEKLY HOURS (MFG.) Latest Date Latest Figure / Year Ago

    HOURLY EARNINGS (MFG.) Latest Date Latest Figure / Year Ago

    CPI-W* Revised CPI for Urban Wage Earners & Clerical Workers

    Latest Date Latest Figure / Year Ago % Change

    CPI-U* All Urban Consumers Latest Date Latest Figure / Year Ago % Change

    12/13 A230.9 / 227.6


    12/13 A234.6 / 231.1


    U.S.1982-84 = 100

    Jan-Jun 2013 N219.6 / 213.6


    Jan-Jun 2013 N229.1 / 223.0


    DEnvER, CODEC. 2001 = 100

    Jan-Jun 2013 N125.2 / 123.9


    Jan-Jun 2013 N125.6 / 124.1


    PhOEnIx-MESa, aZ 1982-84 = 100

    Private Industry WorkersManufacturingService-providing Industries** Mountain Region***

    State/Local Government Workers

    TOTaL COMP.12 Months Ended

    12/13 N


    WaGES & SaLaRIES12 Months Ended

    12/13 N

    2.1%2.1%2.1% 3.1%1.1%

    * CPI data for Wyoming is not available.

    ** Includes the following industries: wholesale trade; retail trade; transportation and warehousing; utilities; information; finance

    and insurance; real estate, rental and leasing; professional; scientific and technical services; management of companies and en-

    terprises; administrative support; waste management and remediation services; education services; health care and social assis-

    tance; arts, entertainment, and recreation; accommodation and food services; and other services, except public administration.

    *** Includes the states of Arizona, Colorado, Idaho, Montana, Nevada, New Mexico, Utah, and Wyoming.

    nOTE: Denver-Aurora MSA includes 10 counties: Denver, Arapahoe, Adams, Jefferson, Douglas, Broomfield, Elbert, Park, Clear Creek, and Gilpin.



    PhOEnIx-MESa-GLEnDaLE, aZ



    11/13 N5.8% / 7.2%

    11/13 N40.7 / 39.8

    11/13 N28.25 / 27.64

    11/13 N6.1% / 7.3%

    11/13 N39.3/ 38.6

    11/13 N24.46/ 25.31

    11/13 N6.0% / 6.5%

    11/13 N41.3 / 40.3

    11/13 N19.09 / 18.46

    11/13 N7.1% / 7.6%

    11/13 N40.7 / 40.4

    11/13 N18.88 / 18.29

    12/13 A6.7% / 7.9%

    12/13 AP42.1 / 41.8

    11/13 AP19.50 / 19.17

    11/13 N4.2% / 4.9%

    11/13 N38.7 / 40.9

    11/13 N20.45/ 22.33




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    1799 Pennsylvania StreetP.O. Box 539Denver, Colorado 80201-0539 800.884.1328 303.839.5177

    Finding the affordable Care act a Bitter Pill to Swallow?Let MSEC make it easier with our Health Care Benefits Consulting Service

    We provide options and strategies to support your compliance with the ACA and other regulations impacting benefit plans.

    This comprehensive service, offered on an hourly basis, covers a range of critical issues including:

    Plan design and design alternatives to ensure ACA compliance.

    Workforce demographics to determine the most cost-effective compliance alternatives for your organization.

    Various risks inherent in a compliance strategy considering each members unique business needs.

    Existing health plan strategies and coverage options based on employers business goals, total rewards programs, and benefits.

    To schedule a meeting with a health care specialist call 800.884.1328 or email [email protected]