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	<title>Comments on: Considering cutbacks? You&#8217;re not alone</title>
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		<title>By: BEVERLY NAPIERSKI</title>
		<link>http://www.hrbenefitsalert.com/considering-cutbacks-youre-not-alone/comment-page-1/#comment-982</link>
		<dc:creator>BEVERLY NAPIERSKI</dc:creator>
		<pubDate>Fri, 03 Oct 2008 13:59:09 +0000</pubDate>
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		<description>Our benefit package included a Defined Benefit Plan paid entirely by the company.  It ended on December 31, 2007 and was replaced by a 401K plan with a maximum 2% match.  Big change for our long-time employees.  Then in an effort to keep our health insurance deductible to our employees at $250, we increased our total deductible to $5000.00 with the facility paying the next $4750.00.  This can be look upon as an ok swap unless you happen to be one of those employees who is healthy and uses health insurance for wellness checkups only.  Then when you consider in February of 2007 our Administration decided it would no longer pay 100% of the single employee rate for full-time employees or 50% for qualifying part-time employees, you can see where alot has been passed onto the employee.</description>
		<content:encoded><![CDATA[<p>Our benefit package included a Defined Benefit Plan paid entirely by the company.  It ended on December 31, 2007 and was replaced by a 401K plan with a maximum 2% match.  Big change for our long-time employees.  Then in an effort to keep our health insurance deductible to our employees at $250, we increased our total deductible to $5000.00 with the facility paying the next $4750.00.  This can be look upon as an ok swap unless you happen to be one of those employees who is healthy and uses health insurance for wellness checkups only.  Then when you consider in February of 2007 our Administration decided it would no longer pay 100% of the single employee rate for full-time employees or 50% for qualifying part-time employees, you can see where alot has been passed onto the employee.</p>
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		<title>By: Randy Wagoner</title>
		<link>http://www.hrbenefitsalert.com/considering-cutbacks-youre-not-alone/comment-page-1/#comment-972</link>
		<dc:creator>Randy Wagoner</dc:creator>
		<pubDate>Thu, 02 Oct 2008 18:45:31 +0000</pubDate>
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		<description>Do you have any informaiton on Employee sponsored Health Reimbursement Accounts in lieu of providing Health Insurance coverage?</description>
		<content:encoded><![CDATA[<p>Do you have any informaiton on Employee sponsored Health Reimbursement Accounts in lieu of providing Health Insurance coverage?</p>
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