Available in:

OnDemand Course
MP3 Download

Health Care Cost Sharing: Spousal Coverage Options

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.

63 minutes
Course Exam
Certificate of Completion
Purchase Options

Add to Wishlist

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.

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
Purchase Options

Add to Wishlist

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

OnDemand Course

This course was last revised on February 10, 2022.

Call 1-866-352-9540 for further credit information.

  • HR Certification Institute 1.0
     
  • This E-Learning 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.
     

To earn each credit Lorman offers through the OnDemand learning platform, you need to watch 100% of the program. Also, for certain credits you will need to fulfill additional requirements which will be displayed on the "credits" tab when viewing the course.

  • Those applying for AIA and HRCI must view 100% of the program and answer the questions following the program.

This program does NOT qualify, nor meet the National Standard for NASBA accreditation.

MP3 Download

This program does NOT qualify, nor meet the National Standard for NASBA accreditation.

Purchase Options

Add to Wishlist

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.

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]
Purchase Options

Add to Wishlist

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.

All of your training, right here at Lorman.

Pay once and get a full year of unlimited training in any format, any time!

  • OnDemand Courses
  • Live Webinars
  • MP3 Downloads
  • Course Manuals
  • Executive Reports
  • White Papers and Articles

Additional benefits include:

  • State Specific Credit Tracker
  • All-Access Pass Course Concierge

Questions? Call 877-296-2169 to speak with a real person.

Sign Up Today
With This Course

Access to all training products for one year
$699/year

Unlimited Lorman Training

With the All-Access Pass there is no guessing what you will need for your yearly training budget. $699 will cover all of your training needs for an entire year!

Easy Registrations

Once you purchase your All-Access Pass you will never be any further than one-click away from attending any Lorman training course.

Invest in Yourself

You haven't gotten to where you are professionally by luck alone; it's taken a lot of hard work and training. Invest in yourself with the All-Access Pass.

Product ID: 397257
Published 2022
Purchase Options

Available in Multiple Formats

Purchase this course and learn on your schedule!