MERCER为美国保险业协会做的HR分析报告PPT格式课件下载.ppt

MERCER为美国保险业协会做的HR分析报告PPT格式课件下载.ppt

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RichBaileyFSA,MAAA,FCARichmond,VAIsitTimeforEmployerstoMoveAwayFromtheTraditionalWaysofProvidingEmployeeBenefits?

@#@November3,2004MercerHumanResourceConsultingAgendanTheEnvironmentnTheCatch-22nPathsAwayfromTraditionalDelivery:

@#@TwoCampsnOpportunitiesAlongPath2nTheAnswernAdditionalTopics1MercerHumanResourceConsultingAgendanTheEnvironmentMedicalTrendsLegislationMarketplaceChangesPopulationDemographicsEmployerOutlooknTheCatch-22nPathsAwayfromTraditionalDelivery:

@#@TwoCampsnOpportunitiesAlongPath2nTheAnswernAdditionalTopics2MercerHumanResourceConsultingDouble-DigitIncreaseforSecondYearinaRowPeremployeecostsinexcessof$5,600peryear-2.9%+6.2%+7.3%+8.1%+11.2%+14.7%Source:

@#@2002Mercer/FosterHigginsNationalSurveyofEmployer-sponsoredHealthPlans3MercerHumanResourceConsultingAnnualCPITrendU.S.healthcarecostsrise,despitecontinuingeconomicrecessionThegapbetweenCPI-Uandmedicalcarecomponentisincreasing4MercerHumanResourceConsultingComparisonofOverallGrowthCumulativemedicalcareCPI89%greaterthanoverallCPIsince1967DatabasedonJanuary1CPIvalues5MercerHumanResourceConsultingEmployersCostIncreasesOut-PaceOtherIndicatorsLargestincreasesince1990（allemployers）Includesmedical,dentalandpharmacySource:

@#@2002Mercer/FosterHigginsNationalSurveyofEmployer-sponsoredHealthPlansResultsforEmployerswith500ormorelives6.9%18.6%16.7%17.1%12.1%10.1%8.0%-1.1%0.2%6.1%7.3%8.1%11.2%14.7%2.1%2.5%-2.00%0.00%2.00%4.00%6.00%8.00%10.00%12.00%14.00%16.00%18.00%20.00%1987198819891990199119921993199419951996199719981999200020012002EmployersCPI-MedicalCPI-AllItems6MercerHumanResourceConsultingAggregateHealthCareSpending（19802010）Governmentportionofpaymentsincreasing;@#@totalprojectedtobeover$2trillionby2009Source:

@#@CMS7MercerHumanResourceConsultingMedicalTrendsnPopQuiznHowmanyyearswillittakegrossmedicalcoststodouble,assumingnospecificemployerinterventionsornationalhealthcare?

@#@10ormore98765orfewer8MercerHumanResourceConsultingMedicalTrendsResponsesfromagroupof25actuarieswhohadtimetogettheircalculators9MercerHumanResourceConsultingLegislationnMedicarePrescriptionDrugsIfmadeintolaw,willhavemajorimpactonretireebenefitsandstrategiesInitialconfusionaside,shouldhavepositiveimpactonretireeplansExpectcostshiftingtonegativelyimpactactiveplansnEEOCProposedchangesinADEAregulationsClinevs.GeneralDynamicsnWellsFargocaseAppearstoallowpre-funding（andtax-deductibility）ofentireretireeliabilityoanILPapproachowontbeexactlysamenumberasFASliabilityofundinginyears2+wouldbelimitedtoservicecostIRSweighingitsoptions10MercerHumanResourceConsultingProposalstoIncreaseCoverageAmongEarlyRetireesFewgovernmentprogramsexceptforfinanciallyindigentnCOBRAextensionsand/orMedicarebuy-insnProhibitionsonpost-retirementbenefitreductionsnExpandedpre-fundingforretireemedicalStillfewviableproductsforpre-65inindividualmarketthatovercomeaccessandaffordabilityissues.11MercerHumanResourceConsultingADEAIssuesImpactonretireemedicalcoveragenAgeDiscriminationinEmploymentAct（ADEA）prohibitsdiscriminationagainstpersonsage40orolderintermsandconditionsofemploymentnAge-baseddistinctionsinemployeebenefitplansarepermissibleonlyif:

@#@Aspecificstatutoryexceptionapplies,orEqualbenefit/equalcosttestissatisfiedoPlanmustprovideequalbenefitsforolderandyoungerworkers,oroPlanmustincurequalcostsforolderandyoungerworkersnThirdandSixthCircuitCourtsreachdifferentconclusionsnEEOCreviewingADEAregulations12MercerHumanResourceConsultingMarketplaceChangesConsolidationofMajorHealthCareCarriersEmployeroptionsaregreatlyreduced,carriershavemorecloutUnitedHealthcareHealthSourceProvidentCIGNAEquicorMetrahealthUSHealthcareAetnaTakeCareFHPPacifiCareHealthSourceCIGNAAetnaUSHealthcareNYLCarePrudentialHealthCareFHPPacifiCareProvidentTransamericaEquitableHCAMetropolitanPartnersAetnaGSDHPLincolnNationalHPsTakeCarePacifiCareHealthPlanofAmericaWellPoint/BlueCrossofCaliforniaHancockMassMutualTravelersUnitedHealthcareAetnaPacifiCareHealthSystemsWellPoint/BlueCrossofCaliforniaCIGNABCBSofGeorgiaMultipleBCBSPlansFewerMajorBCBS13MercerHumanResourceConsultingMarketplaceChangesPBMconsolidationcontinues;@#@threemajornationalPBMsremainCPIAPICPNRxNetValueRxDiagnostekPerformHCSHPIDiagnostekValueRxRxNetColumbiaValueRxExpressScriptsExpressScriptsNPADPSExpressScriptsPAIDMEDCOAdvancedParadigmAdvanceMedcoIntegratedPrescriptionSolutions（IPS）PCSFoundationMerck-MedcoMerck-MedcoProadvantageSystemedParadigmMerck-MedcoMedcoAdvancePCSMajorInsurersMajorInsurersMPSPCSClinicalPharmacyAdvantage14MercerHumanResourceConsultingPopulationTrendsAgingbabyboomerswillincreasetheelderlyandnearelderlypopulationsDataSource:

@#@U.S.CensusBur