Live Webinar

65-minute live streaming program
  • February 10
  • 1:00 - 2:05 pm EST

Health Care Cost Sharing: Spousal Coverage Options

February 10

Understand the pros and cons of a spousal surcharge or carve-out and prepare for successful implementation of any changes.

Many employers are facing significant health plan cost increases again this year, even after taking cost-management initiatives into account. Some are changing their approach to spousal coverage in an effort to manage costs. This topic will discuss health plan spousal surcharges and spousal carve-outs and the differences between them. The material will review the pros and cons of each approach, address potential legal issues, and identify the health plan features, cost-sharing structures, and population demographics of plans that realize cost savings with a spousal surcharge or carve-out. Proper implementation of any benefit change is key to its success. This information is critical for employers considering changes to spousal coverage so they can determine whether their organization may benefit from a spousal surcharge or carve out and prepare for successful implementation of any changes.

Learning Objectives

  • You will be able to define a spousal surcharge, a spousal carve-out and the differences between them.
  • You will be able to identify the factors that contribute to whether an organization will benefit from a spousal surcharge or carve-out.
  • You will be able to recognize potential legal issues related to spousal surcharges and carve-outs.
  • You will be able to describe how to successfully implement a spousal carve-out or surcharge.

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Why Lorman?

Over 35 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Agenda

What Is a Spousal Carve-Out and a Spousal Surcharge, and How Do They Differ?
  • Spousal Carve-Out Definition
  • Spousal Surcharge Definition
  • Key Differences Between Them
  • Variations
Pros and Cons of Each Approach
  • Pros of a Spousal Carve-Out
  • Pros of a Spousal Surcharge
  • Cons of a Spousal Carve-Out
  • Cons of a Spousal Surcharge
Legal Issues
  • State and Federal Discrimination Laws
  • Affordable Care Act
How to Determine If Your Organization Will Benefit?
  • Health Plan Design Factors
  • Population Demographics
Implementation
  • Plan Design
  • Communication
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More Program Information

Why Lorman?

Over 35 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Credits

Live Webinar Registration

  • HR Certification Institute 1.0
     
  • This program has been approved for 1.0 (General) recertification credit hours toward aPHR(TM), aPHRi(TM), PHR®, PHRca®, SPHR®, GPHR®, PHRi(TM) and SPHRi(TM)recertification through HR Certification Institute® (HRCI®). For more information about certification or recertification, please visit the HR Certification Institute website at www.hrci.org.
     
  • SHRM 1.0
     
  • Lorman Education Services is recognized by SHRM to offer Professional Development Credits (PDCs) for the SHRM-CPSM or SHRM-SCPSM. This program is valid for 1.0 PDC(s) for the SHRM-CP or SHRM-SCP.
     
  • CPE 1.2 including Personnel/HR 1.2
     
  • Lorman Education Services is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its web site: www.nasbaregistry.org. For more information regarding administrative policies such as complaint and refund, please contact our offices at 866-352-9539. CPE Credit: Maximum Credit Hours: 1.2 each session (based on a 50 minute credit hour). You must attend at least 50 minutes to obtain credit. Field of Study: Personnel/HR for 1.2 hours. Prerequisite: . Level of Knowledge: Intermediate. Teaching Method: Seminar/Lecture. Advance Preparation: None. Delivery Method: Group Internet Based. Please refer to the information in this brochure for outline, course content and objectives. Upon completion of this course, you will receive a certificate of attendance. Final approval of a course for CPE credit belongs with each state's regulatory board. Please note: In order to receive CPE credit for this course you MUST use the streaming audio option, as well as enable and complete the required progress checks.
     

Who should attend?

This live webinar is designed for human resource and benefits managers, payroll managers, controllers, CFOs, accountants, presidents, vice presidents, business owners and managers, and insurance professionals.

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Why Lorman?

Over 35 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Faculty

Kelly Haab-Tallitsch

Kelly Haab-Tallitsch

SmithAmundsen LLC

  • Partner at SmithAmundsen LLC
  • Regularly counsel’s clients on employee benefit compliance, helping employers understand their obligations under the Affordable Care Act, ERISA, and the Internal Revenue Code
  • Advises employers on health and welfare plans, wellness programs, qualified and non-qualified retirement plans, employee stock ownership plans (ESOPs), deferred compensation, equity plans and employee benefit issues arising out of mergers and acquisitions
  • Defends clients against general employment discrimination claims and handles matters such as Department of Labor benefit plan audits and correcting plan errors through the Department of Labor and Internal Revenue Service voluntary correction programs
  • J.D. degree, Northern Illinois University College of Law; M.S. degree in industrial relations, Loyola University Chicago; B.S. degree, University of Illinois at Urbana-Champaign
  • Can be contacted at 630-587-7927 or at [email protected]
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Why Lorman?

Over 35 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

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Product ID: 397257
Published 2022
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