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	<title>SB&#38;K Benefits, L.L.C.</title>
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		<title>We are your Trusted Advisor! NAIC passes a resolution supporting insurance Experts</title>
		<link>http://sbkbenefits.com/?p=231</link>
		<comments>http://sbkbenefits.com/?p=231#comments</comments>
		<pubDate>Wed, 25 Aug 2010 17:18:47 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Health Care Reform]]></category>

		<guid isPermaLink="false">http://sbkbenefits.com/?p=231</guid>
		<description><![CDATA[One of my big concerns about the Patient Protection and Affordable Care Act (PPACA) that passed in March was the creation of &#8220;Navigators&#8221; to help people find health insurance. These Navigators were not required to be licensed to sell insurance or have any real extensive training. A Navigator could be an Union employee or an [...]]]></description>
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		<title>Will you survive a retirement plan audit?</title>
		<link>http://sbkbenefits.com/?p=224</link>
		<comments>http://sbkbenefits.com/?p=224#comments</comments>
		<pubDate>Sun, 01 Aug 2010 19:28:26 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Todd's Tips]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[compliance]]></category>
		<category><![CDATA[retirement plan]]></category>

		<guid isPermaLink="false">http://sbkbenefits.com/?p=224</guid>
		<description><![CDATA[Will you survive a retirement plan audit? How about an employee lawsuit? You know your business inside and out. But do you know everything there is to know about maintaining your 401(k) plan? Did you know that a plan fiduciary (YOU, perhaps?) can be held personally liable for a breach of fiduciary responsibility, which may [...]]]></description>
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		<title>What in the world is a Medical Loss Ratio?</title>
		<link>http://sbkbenefits.com/?p=222</link>
		<comments>http://sbkbenefits.com/?p=222#comments</comments>
		<pubDate>Fri, 30 Jul 2010 22:26:31 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[medical loss ratio]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://sbkbenefits.com/?p=222</guid>
		<description><![CDATA[If you’re like most people, you’re probably concerned with how the recent health reform legislation will impact your business. There’s certainly a lot for business owners to think about – what decisions do I need to make, what reports will I need to file, what should I tell my employees, and how will this impact [...]]]></description>
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		<title>COBRA Subsidy Extension Ended</title>
		<link>http://sbkbenefits.com/?p=201</link>
		<comments>http://sbkbenefits.com/?p=201#comments</comments>
		<pubDate>Thu, 01 Jul 2010 21:42:47 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[COBRA]]></category>
		<category><![CDATA[COBRA Subsidy]]></category>
		<category><![CDATA[Healthcare reform]]></category>

		<guid isPermaLink="false">http://sbkbenefits.com/?p=201</guid>
		<description><![CDATA[Since February 2009, Congress extended the COBRA subsidy to unemployed workers four times. The last extension &#8211; The Continuing Extension Act of 2010 (CEA) &#8211; amended ARRA to further extend the period to qualify for the COBRA premium reduction until May 31, 2010. The latest effort for any continued COBRA extensions stalled before the Memorial [...]]]></description>
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		<title>Reporting Requirements of PPACA</title>
		<link>http://sbkbenefits.com/?p=199</link>
		<comments>http://sbkbenefits.com/?p=199#comments</comments>
		<pubDate>Wed, 30 Jun 2010 22:19:40 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[Patient Protection Act]]></category>
		<category><![CDATA[PPACA]]></category>

		<guid isPermaLink="false">http://sbkbenefits.com/?p=199</guid>
		<description><![CDATA[One of the major goals of the Patient Protection and Affordable Care Act (PPACA) is to insure millions of new Americans. To accomplish this goal, the government is expanding Medicaid to 133% of the federal poverty level, providing premium subsidies and tax credits to individuals up to 400% of poverty, and requiring employers with more [...]]]></description>
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		<title>A Visual Health Care Reform Timeline</title>
		<link>http://sbkbenefits.com/?p=191</link>
		<comments>http://sbkbenefits.com/?p=191#comments</comments>
		<pubDate>Thu, 22 Apr 2010 15:24:21 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[Health care Timeline]]></category>
		<category><![CDATA[Patient Protection Act]]></category>

		<guid isPermaLink="false">http://sbkbenefits.com/?p=191</guid>
		<description><![CDATA[For those of you who love flow charts, have I got one for you. This is a really good timeline of health care reform and what is going to happen when.]]></description>
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		<title>Health Care Reform Timeline</title>
		<link>http://sbkbenefits.com/?p=188</link>
		<comments>http://sbkbenefits.com/?p=188#comments</comments>
		<pubDate>Wed, 07 Apr 2010 19:14:42 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[Patient Protection Act]]></category>

		<guid isPermaLink="false">http://sbkbenefits.com/?p=188</guid>
		<description><![CDATA[As you may be aware, I&#8217;m staying on top of all of the Health Care Reform information as it is released. Here is a timeline of events, starting with 2010. Now, exact dates have not been given for things such as the dependent to age 26 coverage rules, but most of what I&#8217;m reading is [...]]]></description>
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		<title>Health Reform &#8211; What&#8217;s Next?</title>
		<link>http://sbkbenefits.com/?p=184</link>
		<comments>http://sbkbenefits.com/?p=184#comments</comments>
		<pubDate>Mon, 22 Mar 2010 17:18:31 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[reconciliation]]></category>
		<category><![CDATA[senate bill]]></category>

		<guid isPermaLink="false">http://sbkbenefits.com/?p=184</guid>
		<description><![CDATA[Last night the House of Representatives voted and approved the health care reform legislation presented by the Senate. They also voted and passed a series of proposed changes to the Senate bill. Now the bill goes back to the Senate for approval of those changes. Once this is done it will go to the President [...]]]></description>
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		<title>COBRA Subsidy Extension to March 31, 2010</title>
		<link>http://sbkbenefits.com/?p=177</link>
		<comments>http://sbkbenefits.com/?p=177#comments</comments>
		<pubDate>Fri, 12 Mar 2010 15:27:44 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[ARRA]]></category>
		<category><![CDATA[COBRA]]></category>
		<category><![CDATA[COBRA Subsidy]]></category>
		<category><![CDATA[health reform]]></category>

		<guid isPermaLink="false">http://sbkbenefits.com/?p=177</guid>
		<description><![CDATA[The Temporary Extension Act of 2010 (the Act) was signed into law by President Obama on Tuesday, March 2, 2010. The Act extends the COBRA subsidy eligibility period originally introduced under the American Recovery and Reinvestment Act of 2009 (ARRA), as amended by the Department of Defense Appropriations Act, 2010, until March 31, 2010. New [...]]]></description>
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		<title>CHIPRA &#8211; another day, another employer notice!</title>
		<link>http://sbkbenefits.com/?p=175</link>
		<comments>http://sbkbenefits.com/?p=175#comments</comments>
		<pubDate>Mon, 22 Feb 2010 19:41:04 +0000</pubDate>
		<dc:creator>Todd</dc:creator>
				<category><![CDATA[Health Care Reform]]></category>
		<category><![CDATA[CHIPRA]]></category>
		<category><![CDATA[COBRA]]></category>
		<category><![CDATA[health reform]]></category>

		<guid isPermaLink="false">http://sbkbenefits.com/?p=175</guid>
		<description><![CDATA[On February 4, 2009, President Obama signed the Children&#8217;s Health Insurance Program Reauthorization Act of 2009 (CHIPRA, Pub. L. 111-3). CHIPRA includes a requirement that the Departments of Labor and Health and Human Services develop a model notice for employers to use to inform employees of potential opportunities currently available in the State in which the [...]]]></description>
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