Reframing involves deliberately changing how we think about a negative situation, Linda Bloom writes. "Through an understanding and trust of this transformative process, we come to have faith that periods of decline, whether they last for minutes or months, can become periods of vibrancy."
The labor market is tight, so any employee whose needs are ignored is fair game for another organization to snap up, writes Steve Keating. "Stay interviews" will reveal what matters to your employee or help managers work with employees to determine what they want out of the job, he argues.
Hawaii this week kicked off a program that provides people giving home-based care to an elderly family member with as much as $70 daily for buying supplies, hiring help or covering lost wages. Maine and Washington are states in which officials could develop similar programs.
Some industry executives say they are concerned that the increasingly popular "hybrid" indexed annuities are too complex, but supporters say the products give companies a way to stand out among competitors. "If you bring out another S&P 500 indexed annuity, you have what everyone else has," said Scott Stolz of Raymond James & Associates.
As the signup period for the Affordable Care Act comes to a close in most states, some enrollees are finding that plans are much cheaper or more expensive than in previous years, owing to changing rules and subsidies.
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HealthCare.gov enrollments were 17% higher this year compared with the same time period last year, according to data shared by HHS this week, and many of those signing up are new enrollees. Although the shortened enrollment window ending today means the total will likely come in well under last year's enrollment, observers have been surprised by this year's pace given reduced advertising and navigator support.
Legislation filed by Reps. Ron Kind, D-Wis., and Dave Reichert, R-Wash., aims in part to encourage employers to include annuity options in their retirement plans by clarifying the safe harbor for annuity selection. Employers would be able to depend on annuity providers' representations with regard to supervision by state regulators.
Support for bipartisan legislation sponsored by Sens. Lamar Alexander, R.-Tenn., and Patty Murray, D.-Wash., is waning, as analysts warn that the bill may increase consumer costs rather than lower them. While the bill would facilitate lower premiums by restoring cost-sharing reduction payments to insurers, tax credits pegged to premiums would decline along with premiums.
At least half a dozen clinical labs are facing charges in bankruptcy court that they improperly billed Medicare for unnecessary tests to the tune of hundreds of millions of dollars. Much of that money is unlikely to be recovered, as the labs in question have few assets or other prospects for paying the fees back.
A mind troubled by doubt cannot focus on the course to victory.
Phil Armstrong, writer
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