Gardner & White
Employee Benefit Plan Services for Healthcare Employers
When you take care of your people, you take care of your business. 
In This Issue
401(k) Day Quiz
Requirements for Tax Exempt Hospitals
Preventive Services under ACA
Families Unprepared for Impact of CI
Life Insurance 50 Year Low
Healthcare Reform Resource Center
Government Seal
With provisions taking effect from now until 2018, G&W will be your health care reform resource every step of the way.
Healthy Employees Cost Less
Complaining about the rising cost of your company's medical insurance may seem a little bit like complaining about the weather -- everyone talks about it but nobody does anything about it!
Perhaps until now.
Retirement Plan Fiduciary Toolkit 
The Department of Labor requires Plan Sponsors to fulfill Fiduciary duties.  G&W has developed a set of tools to help protect you from risk and build a successful retirement plan. 
Benchmark the costs and services of your plan with industry averages and leading providers. 
Independent resource for conducting mutual fund analysis.     
Financial Soundings 
Comprehensive participant retirement advice program that provides both savings and investment recommendations.
NewsletterSeptember, 2010
401(k) Day Quiz
Take the Quiz
The Profit Sharing/401k Council of America (PSCA) strongly believes that companies need to communicate with and educate their employees about the importance of saving for retirement. PSCA created 401(k) Day as an annual event to promote retirement savings education. Whether you offer a 401(k), 403(b), 457, or some other retirement plan; the spirit of the day applies.  
6 New Requirements for Tax Exempt Hospitals
A section of the healthcare reform law, the Affordable Care Act, raises standards for charity care, financial assistance and meeting community needs for non-profit hospitals receiving tax-exemptions. While some of these provisions went into effect immediately, the Internal Revenue Service still needs to issue regulations for this section of the law.  The linked article reviews highlights of the new standards and some questions the upcoming regulations will need to answer.
Preventive Services Covered under the Affordable Care Act
If you have a new health insurance plan or insurance policy beginning on or after September 23, 2010, the preventive services listed in the following article link must be covered without your having to pay a copayment or coinsurance or meet your deductible, when these services are delivered by a network provider.
Families Unprepared for Impact of Critical Illness
Two recent MetLife companion studies found that experiencing a critical illness, such as cancer, a heart attack or stroke, can reduce a family's income by more than $12,000 in the first year alone - even with medical coverage in place - primarily due to the inability to work. In addition, these families experience out-of-pocket medical costs of about $3,000 in the first year after diagnosis. Yet nearly half (46%) of full-time working Americans have less than $5,000 in savings available.
LIMRA:  Individual Life Insurance Falls to 50 Year Low
Despite the fact that most American families have less to fall back on financially than when the economic downturn began, ownership of individual life insurance has hit a 50-year low, according to a new LIMRA study.                        
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