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36th Annual Symposium
September 17-20, 2017
Denver, Colorado

2016 Sessions and Speakers 

2017 session information will be available in April 2017.

2016 Educational Agenda

Monday | day at a glance | full session descriptions
Tuesday | day at a glance | full session descriptions
Wednesday | day at a glance | full session descriptions


Sunday, September 18, 2016

12:00-2:30 p.m.
Local Chapter Leader/New Attendee Luncheon

2:30 - 4:30 p.m.
Consulting Practice Owners Forum

5:00 p.m.
CEBS Conferment Ceremony and Reception

Monday, September 19, 2016

8:00 a.m.
Welcome and Opening Remarks

8:15 a.m.-9:15 a.m.

Keynote: The Global Economy: Trends and Predictions Turning Today Into Tomorrow
Speaker: Linda Nazareth, Economist, Senior Fellow for Economics and Population change, Macdonald-Laurier Institute, Toronto, Ontario

From globalization to urbanization to demographic and economic change, the world we know is morphing into a different one with different opportunities and challenges.   Technology and a new business model built around a sharing economy are changing the way we buy and sell our services.  These factors – and others – are poised to transform the global economy in profound ways. Kick off the Symposium with a dynamic and thought-provoking look at the global economic trends and opportunities shaping employee benefits and financial security in the U.S. and Canada.

9:30 a.m.-10:30 a.m.

U.S. Legislative Update
Speaker: James Klein, President, American Benefits Council, Washington, D.C.

Get the latest from a Washington insider with an insightful analysis of the factors and scenarios likely to shape benefit plans and other developments. With the forthcoming election as a backdrop, this always popular session will examine some of the key legislative and regulatory action that has and will continue to affect employee benefit plans.

Canadian Legislative Update
Speaker: Mitch Frazer, Partner, Torys LLP, Toronto, Ontario

Recent federal and provincial elections could initiate a number of pensions and benefits industry changes.  This session kicks off 2 ½ days of Canadian content, covering the latest information on recently enacted and proposed legislation impacting pensions and benefits and sets the stage for what you could expect from a new administration. 

11:00 a.m.-12:00 noon

 ACA and Other Developments--What To Keep Your Eye On
Speaker: Tami Simon, Global Practice Leader, Knowledge Resources Center,
                 Buck Consultants, a Xerox Company, Washington, D.C.
The requirements of ACA and other health and welfare rules continue to evolve with new legislation, regulations and court cases.  Though their future will undoubtedly be shaped by the result of the November elections, there are critical health and welfare issues plan sponsors need to stay on top of that will continue to impact plan design and compliance.  Learn about these issues and how you can be prepared…no matter the results in Washington!
  • ACA issues that employers need to keep in mind for the rest of 2016 and 2017
  • High level overview of the final wellness regulations and a sneak peek of the preliminary results from the 2016 Buck Global Wellbeing Survey
  • HIPAA privacy and security issues and recent enforcement actions
  • Other evolving developments and reminders for health and welfare plans


 Using Behavioral Finance to Improve Retirement Outcomes
Speakers: Rocke Blair, CEBS, Practice Leader, White Oak Advisors, Indianapolis, Indiana
Ed Isakson, Director of Human Resources, Archdiocese of Indianapolis, Indianapolis, Indiana
For employer and employee viability and sustainability, organizational retirement plans are the “hidden” or “lazy” asset available to assure this result. The key to unlocking the value of the retirement plan is “behavioral finance,” which is the academic understanding of why people make the finance decisions they do and practices to overcome these bad decisions. Behavioral finance shows plan administrators “budget neutral” approaches to optimizing the use and effectiveness of the retirement plan to achieve retirement readiness that allows participants to retire on time and on their terms. This results in an employer of choice that has the hands, hearts and minds of their workforce to become more productive and accountable during their employment years. 
  • Become an employer of choice
  • Reduce the expense of an aging workforce
  • Use budget-neutral means to affect viability and sustainability
 One Employer's Journey to Reinvent Time Off
Speaker: Leigh Stepan, CEBS, Director, Benefits, Target Corporation, Minneapolis, Minnesota
After 50+ years, Target, an organization of 300,000+ team members, undertook an initiative to reexamine the time-off programs offered and how to make them more competitive while controlling cost. The result was implementing flex PTO (unlimited time off) for executives, increasing initial time off awards for exempt team members, adding new-parent benefits for all team members and implementing a unique new time-off benefit called “well-being time.” Making the changes was complex and sometimes emotional.
  • Innovative thinking
  • Time-off trends: flex PTO, new-parent pay and well-being time
  • Change management
 Drug Plan Sustainability and Current Trends
Speaker: Suzanne Lepage, Private Health Plan Strategist, Suzanne Lepage
               Consulting Inc., Kitchener, Ontario
This session will discuss some of the most critical issues and trends facing private drug plans today.  The prevalence of chronic disease and the rise of personalized treatment options means plan sponsors need to maintain and manage drug plans to ensure financial sustainability over the short, medium and long term.
• Drivers of drug plan costs
• Growth of specialty drugs, including biologics, biosimilars and pharmacogenomics
• What to know when considering possible tools and solutions
12:00 noon-1:30 p.m.

Lunch and Roundtable Discussions
1:30 p.m.-2:30 p.m.
 ACA Reporting Compliance and Helpful Tips for Year Two and Beyond
Speakers: Ron Krupa, CEBS, Senior Manager, Indirect Tax, Ernst & Young, Bradenton, Florida
Juliette Meunier, Partner, Ernst & Young, Los Angeles, California
Take a look back on the first effective year of the ACA employer mandate and IRS reporting requirements to better prepare for year two and beyond. Get a concise overview of upcoming changes impacting large employers,  potential audit areas, and responding appropriately to the ACA Health Insurance Marketplace Advanced Premium Tax Credit (APTC) notices. In order to effectively mitigate IRS 4980(h) penalties and communicate with the ACA Health Insurance Marketplace, employers need to understand of the application process, what triggers an APTC notice, required appeal components, and how to respond in a timely manner.
  • Applying year one lessons learned to upcoming ACA reporting
  • Highlights of compliance changes for year two and potential
    audits to ensure compliance
  • Navigating ACA Health Insurance Marketplace
 The Final DOL Conflict of Interest Rule: What It Means for Qualified Retirement Plans
Speaker: Steven Grieb, CEBS, Director of Regulatory Services, Empower Retirement, Milwaukee, Wisconsin
This session will cover the final rule that is published in 2016, how it differs from previous proposed rules, who is within the new definition of fiduciary and when it applies. It will also cover the status of all litigation-based challenges to date. While the rule is targeted largely toward IRAs, the presentation will focus primarily on the impact to qualified retirement plans. Learn what fiduciaries and service providers to qualified retirement plans should do and when it should be done. It will also cover how the rule changes the definition of “education” and the impact it will have on participant communications.
  • Details on the final definition of ERISA fiduciary under the new regulation
  • Overview of the litigation-based challenges to the rule
  • What qualified plans should do as a result of the rule, and when it should be done
 HR's New Competencies
Speaker: Matthew Kaiser, CEBS, Managing Director, Lockton Benefit Group, Lockton Companies, Kansas City, Missouri 
Over the past few decades, HR has evolved into an entirely different machine. HR professionals must learn a whole new set of competencies. Compliance with regulations, such as the Affordable Care Act, is a huge responsibility falling on the shoulders of HR. As technology becomes more common and needed for HR departments to help automate processes, so does managing the vendors that provide those solutions and services. These are things that didn’t keep our HR professionals of the past up at night but have become HR’s biggest causes of lost sleep. Learn where HR is going and what the shift toward compliance and vendor management means.
  • How HR has evolved to include the compliance function
  • How to effectively manage their HR technology vendor
    relationships, including how to negotiate and hold vendors to
    service level agreements
  • How to protect employee data
 Pension Innovation in Canada: Where Are We and What Is Still Needed?
Speaker: Jana Steele, Partner, Osler, Hoskin & Harcourt LLP, Toronto, Ontario

The session will focus on recent pension reforms that have facilitated pension innovation and where changes are still needed. Join us for an overview of the impact of Ontario’s new ORPP (arguably the most innovative pension change in many years), along with an update of significant pension law changes facilitating design innovation, challenges, lessons learned and where there are changes that are still needed (including tax changes).

  • Changes needed to tax laws
  • Recent pension law changes have widened the differences in legislation across Canada
  • Take-up on new plan designs
2:45 p.m.-3:45 p.m.
 The 2016 Consumer Health Mindset: Four Consumer Perspectives
Speaker: Joann Hall Swenson, Partner, Health Best Practice Leader, Aon Hewitt, Minneapolis, Minnesota
With all the complexities of the U.S. health care system, people using health care services continue to find it challenging to navigate. That’s why for the fifth year, Aon Hewitt partnered with the National Business Group on Health and The Futures Company to conduct The Consumer Health Mindset Study. Join us to learn more about the key findings of the study, including insights into questions employers often ask about employees and their dependents. Along with the findings, we will share practical actions you can take to meet participants where they are and guide them in navigating health care more effectively.
  • What works? What programs, resources and tactics can help
    more effectively engage people in their health care decisions?
  • What sidetracks? What gets in the way of individuals taking a
    more active role in their health and health care?
  • Who’s unique? How can you reach key workforce groups like
    Millennials that have different perspectives?
 Derisking Your Defined Benefit Pension Plan
Speaker: Robert Crnjarich, Vice President, Retirement and Actuarial Services, Cowden Associates, Pittsburgh, Pennsylvania
Derisking is an important tool for effective management of defined benefit pension plans; however, they may take different forms. Employers may choose to retain all assets and liabilities by aligning a portion of the plan assets to a portion of the liability,or entirely eliminate the volatility, interest rate and longevity risk by transferring the assets to another party. They may also consider a lump-sum window. Defined benefit plans should be managed like a separate line of business with budgets, forecasts and a strategic plan. Ultimately, the plan is a use of cash and creates volatile liability and often causes negative consequences at the worst times in business cycles.
  • Impact on benefit design, cost, risk management, cash flow,
    taxes, competitiveness and labor management
  • Evaluation of investment strategies; impact of potential accounting
    changes; and development of funding policies
  • Considerations and examples for controlling costs/liability
  Best Practices for Productive Vendor Relationships
Speakers: Suzanne Mahler Brown, CEBS, Director of Benefits, Gränges Americas Inc., Franklin, Tennessee
As benefits leaders, we depend on our vendors to support us on administrative, compliance and strategic initiatives. Are you managing your vendor relationships for maximum effect? Actuaries, consultants, auditors, brokers, outside legal counsel,
insurers, claim administrators, payroll services, call centers and enrollment website managers all contribute to our success. . . .The question is, are you managing the relationship, or is it managing you?
  • How to establish regular vendor meetings with an ongoing agenda
  • How to communicate candidly with your vendors
  • Tips for establishing or repairing a vendor relationship
  A Wellness Reboot: Simplifying Wellness Programs in the Workplace
Speaker: Susan Cranston, CEBS, CEO and Founder, Authentika Consulting, Waterloo, Ontario

Learn how a sports nutrition company with operations in both Canada and the U.S. implemented a wellness program. At its heart was the need to simplify the experience, creating positive health outcomes for employees and significantly boosting employee engagement levels and gain practical tips and tools to help any-sized organization implement, refine, or revisit the key metrics that drive success in wellness programs. Key messages include the importance of senior level support, the role of wellness committees, success metrics, as well as simple and cost-effective ways to enliven wellness in any workplace.
  • Top tips to measure wellness program results
  • Effective ways to implement a wellness program “on a dime”
  • Tips for determining and assessing goals and success metrics
4:00 p.m.-5:00 p.m.
 Conducting a Self-Audit of Your Health and Welfare Plan
Speaker: Marilyn Monahan, Owner, Monahan Law Office, Marina del Rey, California
Scrutiny of health plans—by both the DOL and IRS—will inevitably increase in the new ACA world. Employers need to be prepared. This program will take you through the essential steps every self-audit should include in order to ensure that employers are prepared for an audit and are satisfying their fiduciary obligations. The program will also feature a discussion of common pitfalls, practical compliance tips, and best practices.
  • Understand what the DOL and IRS will be looking for in an audit
  • Learn how the ACA has changed the scope of an employer’s
    administrative responsibilities
  • Practical tips for bringing health plans into compliance
 Preparing for a DOL Audit
Speaker: Robert Massa, CEBS, Director, Retirement, Ascende, Inc., Houston, Texas
Retirement plans are facing ever-increasing levels of scrutiny from both regulatory agencies and participant class-action suits, making it more important than ever to keep your plan in compliance. This session will discuss how to prepare for a DOL audit, preferably before it happens; including the various issues and common errors that trigger an audit, the building blocks to prepare for an audit and best practices for establishing a fiduciary audit file.   
  • Possible audit triggers
  • Identifying and mitigating common failures and errors
  • Fiduciary audit file best practices
 Cyberhacking Data Breach: Who Is Winning the War on PHI and PII?
Speaker: Linda Vincent, Principal, Vincent & Associates, San Pedro, California
Data breaches seem to be an everyday news event. What if it happens to you, your family, your business or your company? In this session, you learn more on how the major breach have happened, if it was hacking, or phishing, or insider/employee
mistakes or threats. You will also learn more on the ramifications of the hacking/breach and the costs, whether economic or reputation. What are some of the answers to protect and prevent. Is cyber liability insurance one answer? Learn some of the best options and resources in the constantly changing world of cybercrooks.
  •  Identifying areas of greatest risk
  • Strategies when it happens to you or your company
  • Cyberliability insurance options and resources for protection and prevention
 What's Next? Best Practices in Employee Wellness and Health Promotion
Speaker: Tim Taylor, CEBS, Product Manager, Manulife, Waterloo, Ontario
Employers seeking a wellness program can find their options overwhelming and don’t know where to start or what to expect. Employers with existing workplace health programs may not be getting the results they were expecting or find that the programs are underutilized. The rise of incentive-based wellness programs and wearable fitness devices has employers exploring new opportunities to improve the health and wellness of their employees. This session will discuss the reasons to invest in workplace health, review the latest research on the use and effectiveness of wellness programs, and highlight the role of management in a successful workplace health program.
  • The latest trends in worksite health promotion and what it means to employers
  • Keys to a successful employee health and wellness program
  • Tips on developing effective incentive programs as part of a wellness strategy
6:00 p.m.-7:30 p.m.
Welcome Reception 
Tuesday, September 20, 2016
8:00 a.m.-8:30 a.m.
President’s Report

8:30 a.m.-9:30 a.m.
U.S. Legal Update: Spotlight on Fiduciary Issues
Speaker: Katherine Hesse, CEBS, Partner, Murphy Hesse Toomey & Lehane,   
                Boston, Massachusetts
This popular session is an insightful overview and analysis of some of the major court cases shaping employee benefits over the past year. A variety of cases will be covered, with a special emphasis on fiduciary responsibility and liability, including best practices, key areas to scrutinize and avoiding common pitfalls. Though focused on the U.S., the practical lessons and tips can inform benefit professionals on both sides of the border.
10:00 a.m.-11:00 a.m.
 You've Been Appointed as a HIPAA Officer - Now What?
Speaker: Petula Workman, CEBS, Division Vice President, Compliance Counsel, Arthur J. Gallagher & Co., Houston, Texas
Many employers have been scrambling to bring their employer-sponsored health plans into compliance with HIPAA privacy and security requirements due to increased enforcement activity of HHS, including issuance of multimillion-dollar penalties. Key employee benefits personnel now play an important role as HIPAA privacy or HIPAA security officers but may not be aware of what such an appointment involves. This session will provide practical information on the role of privacy or security officer and how those two roles can work together to actively minimize the risk of landing an organization on the wrong end of an HHS compliance review.


  • Understanding of essential HIPAA privacy and security officer functions
  • Activity checklist for HIPAA privacy and security officers
  • Guidance on responding to a possible breach of unsecured PHI.
  Fiduciary Tidal Wave: Navigating Defined Contribution Plans' Uncharted Waters
Speaker: Lori Lucas, Executive Vice President, DC Practice Leader, Callan Associates, Chicago, Illinois
DC plan sponsors face a tidal wave of current and potential regulation and legislation, with lawsuits seeming to lurk around every corner. In this session, hear how recent and pending developments are shaping the DC landscape and plan sponsor approaches. It will explore observations from Callan’s 2016 DC Trends Survey, as well as client experiences and case studies. We will show the current environment’s impact on usage and implementation of everything from target-date funds, alternative investments, company stock, retirement income solutions and plan fees. Learn what the future may hold for participants and the industry as sponsors position their plans in light of these fiduciary challenges.
  • Understanding the key functions of a DC plan fiduciary
  • Putting together a sound fiduciary process
  • Developing a fiduciary checklist
Beyond Open Enrollment: Communication Strategies to Engage Your Workforce
Speakers: Suzannah Gill, Strategic Benefits Consultant, EPIC Brokers & Consultants, Duluth, Georgia
Rosemary Manning Hughes, Principal, EPIC Brokers & Consultants, Stamford, Connecticut
Companies spend a tremendous amount of money and time to provide strong benefits to their employees. Yet, how often do we hear that employees are unaware of those benefits and how to maximize their value? In this session, we will demonstrate the keys to a successful communications campaign and how an ongoing outreach program can empower employees to understand their benefits to the fullest, while also reducing the workload to your HR team. We will explore the different channels of communications and discuss their effectiveness. Finally, we will share case studies to show the impact of those channels.
  • New and innovative communications channels
  • Types of communications most effective to different employee populations and company structures
  • Impact of an effective communications campaign on employee engagement 
Canadian Legal Update
Speaker: Lisa Chamzuk, Partner, Lawson Lundell LLP, Vancouver, British Columbia
After a court ruling, the outcome is known, but next steps for plan sponsors are sometimes unclear. Another attendee favorite, this session is an insightful overview and analysis of legislative activity and recent court cases and regulations at the federal and provincial levels and what you need to know about their potential impact on health care, retirement and other benefit issues in Canada.
11:15 a.m.-12:15 p.m.
 A Prescription for Pharmacy Innovation
Speakers: Yvonne Frame, CEBS, Manager, U.S. Benefits, Cerner Corporation, North Kansas City, Missouri
Arielle Bogorad, Senior Director, Worldwide Benefits and Wellness, Cerner Corporation, North Kansas City, Missouri
Join us to learn about Cerner Corporation’s strategy for managing pharmacy spend. Tactics include innovative utilization management, refining specialty medication reimbursement methodology and site-of-care approaches. Hear how Cerner’s unique approach to controlling growing pharmacy trends has also increased compliance and adherence amongst their members.
  •  Uncovering hidden specialty spend
  • Transforming the member experience
  • Different approach to value-based benefits design
 401(k) Fee Litigation: Sorting It All Out
Speaker: Sarah Roe Sise, Partner, Armstrong Teasdale, St. Louis, Missouri

Recent court cases have provided helpful insight to 401(k) plan sponsors to navigate the complex regulatory environment that governs these plans. Alleged violations include claims of excessive fees paid to service providers, failure to choose lower cost investment options or not considering participants’ best interests. Get an overview of the legal landscape and common pitfalls to avoid.
  • Recent trends in the area of ERISA fiduciary duties
  • Lessons learned from recent litigation
  • Practical steps to protect your plan
 Merging Benefit Cultures: The Q&A of M&A
Speaker: Sheryl Simmons, Chief Human Resources Officer, Maestro Health, Chicago, Illinois
In a national landscape of mergers and acquisitions, benefit administrators face the challenge of bridging benefit programs that serve diverse populations and personalities. This session will address these unique challenges and offer practical application of winning strategies.
  •  Learn how to read the true landscape of the key stakeholders
  • Engage your population through targeted communication
  • Heroes and Horrors: what hit, what missed and using their experiences to make yours successful

 Financial Education--Let's Get Personal
Speaker: Michelle Oram, CEBS, Director, Product Development, Manulife, Waterloo, Ontario
Each employee is unique, but retirement plan education is typically the same message to all employees in the same way. While generation-based communications are a step in the right direction, it’s possible to increase the impact of financial education and communications by making them truly personalized.  Consumers have come to expect a tailored experience in all of their online interactions, and employees bring this expectation into the workplace. If you’re still communicating the same way you always have, your benefits communications are likely not getting the attention they deserve.
  • What personalized financial education looks like, and how the basic concepts of big data and predictive analytics apply to benefit communications
  • Examples of how existing data can provide insight into employee needs and help you deliver targeted communications
  • Emerging trends and technologies to help deliver your message
12:15 p.m.-1:30 p.m.
Lunch: Fellowship Recognition

1:30 p.m.-2:30 p.m.
 Rebranding Your EAP
Speaker: Jayme McRee, Capital EAP Program Director, Capital Counseling, Albany, New York
Although EAPs have been a common feature in benefit packages for decades, many participants do not take full advantage of the services.  Are your participants making the most of your EAP, or is it primarily viewed as a resource for those with mental health or substance abuse issues?  Get ideas to rebrand your EAP to present it as a resource for a variety of concerns, including physical, emotional and financial wellness to keep employees healthy, supported and engaged. 
  • Making it easy with mobile apps, teletherapy and personalization
  • Mitigating perceived privacy issues
  • Dovetailing your EAP with your benefits and wellness offerings
 The End of IRS Determiniation Letters for Retirement Plans
Speaker: Mary Komornicka, CEBS, Attorney, Larkin Hoffman, Minneapolis, Minnesota
Since the passage of ERISA, retirement plan sponsors have been able to rely on an IRS determination letter for assurance that their plan met the legal requirements. The IRS has recently announced that it will no longer be issuing these determination letters. This session will look at the role these determination letters had played and what impact this change will have on plan sponsors. The session will also examine the different categories of plan documents—individually drafted plans; volume submitter plans; and prototype plan documents—as well as the relevancy of the different plan structures for plan sponsors with different situations, such as mergers and acquisitions.
  • The importance of an IRS determination letter to a plan sponsor
  • The advantages of an individually drafted plan, and what situations demand an individually drafted plan
  • The new prototype plan documents that are being approved by the IRS
 Globally Vocal: Real Talk From Experienced Globally Mobiles
Speakers: Frank Weltz, CEBS, Vice President Underwriting, Cigna, Wilmington, Delaware
Craig Peters, CEBS, Director of Strategy and Business Development, Cigna, Wilmington, Delaware
Cigna Global Health Benefits® and the National Foreign Trade Council (NFTC) recently surveyed more than 2,700 expatriates working in 156 countries to better understand how they and their families experience, perceive and value various elements of international assignment terms and programs. One of the principal objectives was to increase corporate employers’ understanding of how the globally mobile perceive and value their compensation, benefits and relocation/mobility packages. The candid insights provide actionable intelligence for those tasked with designing assignment packages that attract, retain and manage quality talent in an increasingly competitive global business landscape.
  • Grasp the necessity of flexibility/customization when developing expatriate plans/programs.
  • Develop strategies to better prepare the globally mobile and their families for success before embarking on assignment.
  • Develop effective communication strategies for globally mobile employees and to help reduce early assignment terminations.
 Mental Health in the Workplace
Speaker: Paula Allen, Vice President, Research and Integrative Solutions, Morneau Shepell, Toronto, Ontario
The National Standard of Canada on Psychological Health and Safety in the Workplace is intended to provide a framework to guide in identifying hazards and mitigating risk to psychological health and safety. Learn how Canadian workplaces can apply the standard and its guidelines to further their employees' mental health and well-being.
  • What impacts psychological health and safety in the workplace?
  • Effective approaches to promoting mental health in the workplace
  • Navigating legal requirements
2:45-3:45 p.m.
  Health and Welfare Nondiscrimination Testing: Forecast of an Eventual Requirement
Speaker: Len Spangher, CEBS, Vice President, Sibson Consulting, New York, New York
ACA’s impact on health and welfare nondiscrimination testing may be more significant to plan sponsors than is obvious on the surface. Once the IRS lifts the indefinite postponement, the legislation may lead to required testing, and plan sponsors will want to be in compliance prior to the plan year effective date. This session will provide an initial assessment of what the ACA “requires” regarding testing and associated penalties for plans that fail, lay out the landscape for what other nondiscrimination testing may be required, and provide some key health and welfare plan design pitfalls to avoid.
  • Identify and address health and welfare plan design concerns, before they raise red flags for the IRS in an audit.
  • Understand the penalties imposed under ACA for plan sponsors whose plans fail this testing.
  • Create a checklist of what other key tests should be run prior to the implementation of the ACA nondiscrimination testing and understand why this should be a concern.
   Retirement Planning in a DC World: How to Suceed
Speaker: David Manuszak, CEBS, Consultant, Executive Service Corps of Chicago, Glen Ellyn, Illinois
Retirement in a defined contribution world takes planning and continued flexibility. The Society of Actuaries Committee on Post-Retirement Needs and Risks commissioned a study of how retirees could make their assets last in a defined contribution world in light of increased longevity. Learn about the result of that work, Optimizing Retirement Income Solutions in Defined Contribution Retirement Plans, along with the key concepts of the study in the context of an ongoing discussion of retirement in a defined contribution environment.
  • Surprise findings that turn some conventional ideas on their heads
  • Retirees have more responsibility to develop their own strategies to ensure that they do not outlive their assets.
  • Retirees and preretirees must develop a new perspective on annuities and on equity investments.
  Effectively Leading an FLSA Reclassification Project: Case Study
 Speaker: Julie Bingham, Advisor, FirstPerson, Indianapolis, Indiana
Learn how a company conducted an 18-month organizationwide FLSA analysis and became compliant for the first time while navigating the inevitable tension between compliance, communication and culture. The session will cover the experience, key learnings and impact on the organization’s executive leadership and traditions. 
  • Common pitfalls and challenges to be aware of for an FLSA reclassification project
  • Update on most recently proposed changes to the Fair Labor Standards Act
  • Best practices for communicating FLSA exemption status changes
 CPP Expansion--What's New and What's Next?
Speaker: Joseph Nunes, President, Actuarial Solutions, Inc., Lakeshore, Ontario
The agreement to expand the Canada Pension Plan (CPP) is the most significant increase in CPP benefits in the program's history. Attend this session to get all the latest available information on the expanded CPP and its impact on employees and plan sponsors across Canada.
  • Impact on benefits and contributions
  • Timeline for implementation
  • Action plan for plan sponsors
4:00 p.m.-5:00 p.m.
 Ask the Health Care Expert
Speaker: John Garner, CEBS, President, Garner Consulting, Pasadena, California
This workshop session is a question-and-answer forum devoted to health benefit issues, with attendees invited to share their experiences to help answer questions. The workshop will begin with a preview of answers to new questions being added to the next edition of the Health Insurance Answer Book.
• Improved understanding of health care reform
• The latest legislative and regulatory developments
• Benefit from perspectives of all the other experts in the audience
 Let's Talk Retirement Benefits (facilitated workshop)
Discussion Leader:  Mary Komornicka, CEBS

What are your most pressing retirement benefit issues?  Attendees are invited to share their questions, issues and insights on plan design, administration, participant engagement, financial wellness and more.
  Let’s Talk Benefit Challenges
       (Open Discussion for Employers/Plan Sponsors)
Discussion Leader: Lisa Kaiser, CEBS, Fund Administrator, Plumbers & Pipefitters Local 189, Columbus, Ohio

Join the conversation on the benefit issues most relevant to you. This is an open forum discussion designed for plan sponsors to share ideas, solutions and practical tips. Bring your thoughts, questions and ideas and get ready for a lively discussion.
 Let's Talk Global Benefits (facilitated workshop)
Discussion Leader: Sean O'Donnell, CEBS, Associate Director Global Total Rewards and Recognition, Ernst & Young, Secaucus, New Jersey
Whether your company is beginning, expanding or just exploring a global footprint, you are invited to this session to discuss your questions, challenges and practical tips.
U.S. Legal Update: Followup and Discussion
Speaker: Katherine Hesse, CEBS
As a followup to the morning session, this is an opportunity to hear more of the legal cases that continue to shape the benefits landscape.
  Let's Talk Canadian Benefits (facilitated workshop)
Discussion Leader: Wayne Murphy, CEBS, Manager Corporate Services, Prudent Benefits Administration Services, Toronto, Ontario

Join the discussion on some of the most critical and thought-provoking benefit issues in Canada, including retirement readiness, CPP expansion, mental health in the workplace, and more.  Bring your questions and insights for an active group discussion.

Wednesday, September 21, 2016

8:00 a.m.-9:00 a.m.
Predictions About the Future of Work
Speaker: Christopher Chan, Senior Consultant, Mercer, San Francisco, California

This dynamic, interactive and thought-provoking session examines new and potential developments that may shape the jobs and workplace of the future and encourages participants to contemplate how they’ll react to these and other changes. Some of the topics explored include the shifting workforce demographics, the increasing size of the on-demand workforce, the blurring lines between humans and machines in an always-on society and much more. Prepare yourself for a lively look at the new, coming and “what-if ” workplace challenges of the future.
9:30 a.m.-10:30 a.m.
  Retiree Health Options: The Decline of Group Retiree Health Plans: What's Next?
Speaker: Rick Storms, CEBS, Field Manager, Medica Center for Healthy Aging, Minneapolis, Minnesota
Multiple studies indicate health insurance in retirement is a major concern for many people. However, the number of employers offering group retiree health plans has declined steadily. Just what is the employer’s role with retiree health insurance and what are the options for individual retirees? This presentation examines the facts, along with a highlevel and generic overview of the main types of retiree health options including Medicare Advantage Plans, cost plans, med supp/medigap plans and Medicare HSA plans, and conclusions about what an employer may or may not do with respect to retiree health insurance.
  • The need for retiree health insurance
  • The health insurance options beyond original Medicare
  • The employer's role with retiree health insurance
  The Influence of Gender on Retirement Savings
Speaker: Diane Oakley, Executive Director, National Institute on Retirement Security, Washington, DC
What role does gender play on Americans’ ability to save for a secure retirement, and how do the inherent differences between men and women impact retirement savings behavior? What factors in particular affect female retirement plan participants? Learn about gender differences in the area of retirement savings and ways that plan sponsors can address these unique challenges within your own plan population. 
  • What men and women have in common when it comes to retirement savings, and what they can learn from each other
  • Goals and challenges facing women in particular
  • What plan sponsors can do to help all participants achieve better retirement outcomes
 Employee Benefit Group Captives: A Gateway to Self-Funding
Speakers: Jim Hoitt, Vice President, Sales Berkley Accident and Health, Marlborough, Massachusetts
Shawn Lanter, Regional Sales Manager, Berkley Accident and Health, Overland Park, Kansas
Employee benefit group captives allow employers to take advantage of the benefits of a self-funded employee health benefits plan while potentially reducing volatility and costs through participation in a group captive structure. Get an overview of the current captives landscape and the outcomes of a well-managed captive program.

  • Transparency, control, and stability of health care expenditures
  • Captive structure and viable, long-term outcomes.
  • Cost-containment initiatives other captive programs have used

The Sun Life Canadian Health Index: Key Learnings From Five Years of  Study
Speaker: Kevin Press, AVP, Market Insights, Sun Life Financial, Toronto, Ontario

The Sun Life Canadian Health Index has been measuring the health attitudes and behaviors of Canadians annually since 2011. This presentation will focus on five key learnings tracked over that time: (1) A large majority of Canadians believe employers have a responsibility to support employee health. (2) Despite good intentions, the list of barriers to good health behaviours is long and varied. (3) Canadians misunderstand how health care is funded across the country, which leads to a range of personal finance issues. (4) Poor health is having a profound impact on Canadians’ personal finances, to an extent that employers need to better understand. (5) Seven in ten retired Canadians report that they did not retire on a date that they chose. The No. 1 reason: personal health issues.
  • Employers need to communicate their commitment to supporting health more clearly and forcefully.
  • What barriers prevent Canadians from exercising, eating right, etc., and how to target specific opportunities
  • The opportunity to educate members about how health care is funded across the country
10:45 a.m.-11:45 a.m.
  Tackling Chronic Health Conditions: A Case Study
Speaker: Emily Talley, CEBS, Director of Benefits, Tanner Health System, Carollton, Georgia
With 86% of U.S. health care costs attributable to chronic health conditions and almost 50% of all adults having one or more chronic conditions, it can seem like an impossible task to help employees and their families tackle chronic health conditions. Find out how Tanner Health System, with a workforce of 2,900 employees, developed a customized chronic condition management program leveraging technology, internal and external resources, and incentives to effectively engage its members in tackling chronic health conditions.
  • Practical tips on designing effective programs and tailoring them to your organization
  • A framework for identifying key metrics and measuring program success
  • Common mistakes to avoid when implementing or enhancing chronic condition management
  A Cheap ERISA Audit May Cost More Than You Think--The Department of Labor's Recent Study on Audit Quality
Speaker: Crystal Ekanayake, CEBS, Audit Partner, GALLINA, Sacremento, California
The Department of Labor published a recent study titled Assessing the Quality of Employee Benefit Plan Audits in which significant audit deficiencies were noted; as much as 40% of the audits observed in the study had major deficiencies. This session will provide an overview of the DOL’s key findings and why plan sponsors should be concerned about whether a quality audit is being performed annually. The session will also provide best practices on evaluating plan auditors and outline strategies in conducting a successful request for proposal for audit services.

  • Illustrative RFP template for audit services and interview questions
  • Common audit deficiencies and how they occur
  • Tips on how to determine if a plan auditor is performing a high-quality audit
  Healthy, Wealthy and Wise: Improving the Financial Well-Being of Your Workforce
Speaker: Linda Robertson, CEBS, Senior Financial Planner, Financial Finesse, Inc., El Segundo, California
According to the APA, 12% of employees reported skipping going to the doctor in the past year because of financial concerns. With over half of companies now offering high-deductible health plans, your workforce’s financial health could be at risk if they are not prepared for increased out-of-pocket medical costs. By providing workplace financial education with a focus on financial wellness, you can better prepare employees to manage their health care expenses today without jeopardizing their financial goals. Find out how to make the connection of health and wealth by implementing a workplace financial wellness program.

  • Identify the key components of financial health and financial wellness.
  • Determine the root causes of financial stress within your workforce.
  • Learn to seamlessly incorporate financial health into your overall wellness program.
 Medical Marijuana: Considerations for Plan Sponsors
Speaker:Mike Sullivan, Co-Founder and President, Cubic Health, Toronto, Ontario

The Marijuana for Medical Purposes Regulations (MMPR) introduced in Canada in 2014 led to one of the most significant therapeutic category entrants impacting Canadian health plans in decades in terms of potential spending moving forward. Prior to MMPR, the federal government-controlled Marijuana Medical Access Program (MMAP) dealt with utilization and spending related to medical marijuana—It was not an area in the jurisdiction of third-party plans. This presentation will provide an overview of what plan sponsors should know when considering the inclusion of medical marijuana under health benefit plans.

  • How MMPR has shaped the medical marijuana landscape
  • The challenge of managing claims with no requirement to disclose the medical condition and no defined dosage limits
  • Legal questions on workplace safety concerns and an employer’s duty to accommodate
12:00 noon-1:00 p.m.
 Moving to an Outcomes-Based Wellness Program: Best Practices and Case Study
Speaker: Paula Stop, CEBS, Director Benefits, Bell Partners Inc., Greensboro, North Carolina
Bell Partners Inc. introduced its wellness program in 2013 with a participation-based program and started the progression toward an outcomes-based program in 2015. This presentation will review the lessons learned in preparation to move to an outcomes-based program and the implementation including: the RFP process to analyze the capabilities of external wellness vendors as compared with their medical carrier to determine the best fit; communication strategy to engage associates and explain the new requirements and reasonable alternatives; program planning and considerations such as handling of deadlines and new hires; program implementation and employee concerns; and how to evaluate program results.

  • How to evaluate your population to determine whether an outcomes-based approach is the best strategy for your plan
  • Legal aspects of outcomes-based programs
  • Lessons learned in the transition from participation-based to outcomes-based wellness programs
  Findings From the 2015 Society of Actuaries Retirement Risk Survey
Speakers: Andrew Peterson, Senior Staff Fellow, Retirement, Society of Actuaries, Schaumburg, Illinois
Cindy Levering, EA, MAAA, Consultant, Towson, Maryland
Learn how retirees view and manage postretirement risks. This survey is the eighth in a biennial series that assesses retired and near-retired persons’ attitudes toward post-retirement risk. Topics include the impact of shocks, the stages of retirement and maintaining assets. In addition, a separate but related focus group research study explored the experiences of people who have been retired 15-25 years to learn what major changes and issues have confronted them along the way and how they have adapted.
  • Differences between preretiree and retiree views
  • How retirees adapt to shocks
  • Application to HR and benefits programs
 Long-Term Care and Caregiving in the Workplace
Speaker: Kevin Sypniewski, CEO, AGIS Network Inc., San Ramon, California
Many employers address wellness at the workplace, but many may not realize that caregiving can be a silent “wellness killer.” Caregiving causes the second most lost days on FMLA leave, with an estimated $13 billion in increasd health care costs per year. Two leading insurers report that caregivers who go out on FMLA leave to care for an adult family member are four times more likely to file a long-term disability claim  and five times more likely to file a short-term disability claim. Many employers are using free tools and resources to unite elder-care education with access to local, regional and national support service, which is available anytime.

  • Caregiving impact to health and wellness programs
  • How to help employees recognize caregiving challenges early
  • Does long-term care insurance coverage help, and is LTC insurance still a viable workplace benefit?
A Digital Property Review: Communicating Effectively in a Digital Age
Speaker: Cherri Burdeyny, CEBS, Senior Director, Pension and Benefit Services, Alberta Urban Municipalities Association (AUMA), Edmonton, Alberta
If you are communicating a significant amount of benefits information through websites or apps, a digital property review can help you uncover how and where your participants are truly getting their information. This session will walk you through the steps to conduct a digital property review and evaluating the findings.   Come away with a solid understanding of how to increase the value of your current and future digital investments. 
  •  Considerations for conducting a digital review
  • Increasing the value of digital investments
  • Benefits of an "audience-focused" digital exchange


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