Practical steps for employers facing a wave of benefits litigation.
The recent rulings point to a short list of steps that protect the plan and show a prudent process.
What to do now.
Document Decisions
Keep minutes and notes of benefit decisions.
Review Vendor Contracts
Know what each vendor can keep.
Ask Questions
Put the six questions to your carrier.
Ongoing practice.
Benchmark Pricing
Compare drug pricing periodically.
Check Notices
Confirm wellness notices are accurate.
Watch Rulings
Track appeals and new cases.
Talk to Counsel
Get legal advice for your plan.
Quick answers.
Short answers. This is general information, not legal or tax advice.
Do we need to act now?
Good process helps any time.
Can you help?
We can help you with the review.
Is this legal advice?
No.
Where the rules and figures come from.
Each figure on this page comes from the source below. Amounts are indexed or updated over time, so confirm current figures before relying on them.
29 U.S.C. 1106
ERISA prohibited transactions between a plan and parties in interest.
KFF on Kennedy v. Braidwood
The Supreme Court upheld ACA preventive services, with open questions.
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program — cost, plan performance, risk and administration.
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