December 2018 Policy Forum #84
Retirement, Health, and Financial Wellbeing

Welcome and Session Kick-Off
Lori Lucas, EBRI
Michael Doshier, Vice Chair Policy Forum

How Do Financial Wellness Initiatives Move the Dial?
This session will explore the return on investment of Financial Wellness Initiatives, with perspectives on how financial wellness initiatives--such as emergency savings, budgeting help, student loan debt assistance, and others--can move the dial on employees' financial security and employment satisfaction. It also asks the questions: is it that simple?
Moderated by: Warren Cormier, Executive Director of DCIIA’s Retirement Research Center (confirmed)
Jack VanDerhei, Director of Research, EBRI
Jana Baressi, Senior Director, Federal Government Affairs at Walmart (confirmed)
Janneke Ratcliffe, Office of Financial Education at CFPB (invited)
Beth Ewing, Director of Retirement Education & Outreach, FedEx (confirmed)

Considerations in the Retirement Income Phase of Life (Account Balances, Income Streams, and RMDs! Oh My!)
US retirees juggle multiple resources in retirement - Social Security, homeownership, DB and DC plan accumulations, IRAs - and plan sponsors, financial services providers, and policymakers seek to understand how current workers are managing income and assets as they move to and through retirement, and how the process could be improved. This session will lay out retiree resources and income replacement across the income distribution before drilling down with more detail into how IRA investors manage their IRA withdrawals. Plan sponsors actively innovating in helping their participants transition to retirement will share their considerations as they contemplated changes to their plan offerings around how retirement income is being delivered by the employer.
Moderated by: TBD
Peter Brady, Senior Economist at the Investment Company Institute (confirmed)
Craig Copeland, Senior Research Associate, EBRI

Networking Break

What Does the Future Hold for the Employment-Based Health Benefits System?
The employment-based health benefits system is the most common form of health coverage in the United States, covering 167 million people under age 65 in 2017.  Despite the fact that workers value health insurance more than any other employee benefit, the system faces a number of potential threats in the future.  Public policies related to the Cadillac tax, Medicare-for-all, and proposals that would allow insurance to be purchased in the individual market using employer funding, as well as market developments, such as the gig economy and high-priced medical advances, such as specialty medications, may all affect whether there is an employment-based health benefits system in the future.  This panel will examine the pros--and the cons--of having an employment-based health benefits system.  It will also examine whether there is an alternative to the employment-based system that would produce higher quality care, better service and lower price, and what that alternative might look like.
Moderated by: TBD
Paul Fronstin, Director, Health Research & Education Program, EBRI
Sabrina Corlette, Research Professor, Center of Health Insurance Reforms, Georgetown University Health Policy Institute (confirmed)
Joseph Antos, Wilson H. Taylor Scholar in Health Care and Retirement Policy, American Enterprise Institute (confirmed)

Networking Lunch

Policy Keynote

Wrap Up

EBRI-ERF holds a minimum of two policy forums per year. Their goal is to bring together a cross-section of EBRI sponsors, congressional and executive branch staff, benefit experts, and representatives from academia, interest groups, and labor to examine public policy issues. The forums are roundtable discussions featuring verbal and written exchange among speakers and participants.

  • May 10, 2018 -- Retirement, Health, and Financial Wellbeing
  • July 12, 2017 -- HSA-Eligible Health Plan Enrollment
  • May 11, 2017 -- Retirement Policy Directions in 2017 and Beyond
  • December 15, 2016 -- Retirement and Health Policy in 2017 and Beyond
  • May 12, 2016 -- Employee Engagement in Health and Retirement Challenges and Reforms
  • December 10, 2015 --Topics: Retirement Readiness; Cadillac Tax on High Cost Health Plans
  • May 14, 2015 -- Evidence on Defined Contribution Health and Retirement: The Road Ahead
  • December 11, 2014 -- Measured Matters
  • May 15, 2014 -- "Crisis" Management: Uncertainty and the Workplace
  • December 12, 2013 -- Employee Benefits: Today (2013), Tomorrow (+35), and Yesterday (-35)
  • May 9, 2013 -- Decisions, Decisions: Choices That Affect Retirement Income Adequacy
  • December 13, 2012 -- "Post" Script: What's Next for Employment-Based Health Benefits
  • May 10, 2012 -- "After" Math: The Impact and Influence of Incentives on Benefit Policy
  • December 15, 2011—Innovations in Employment-Based Health Benefits: Lessons Learned for Public Policy
  • May 12, 2011 Policy Forum -- Is There a Future for Retirement?
  • December 9, 2010 Policy Forum -- Innovations in Employment-Based Health Benefits

  • May 13, 2010 Policy Forum -- Retirement Income Adequacy: How Big Is the Gap and How Might the Market Respond?

  • December 10, 2009 Policy Forum -- Employers, Workers and the Future of Employment-Based Health Benefits

  • May 7, 2009 Policy Forum -- Decumulation/Retirement Income in Defined Contribution Plans
  • December 4, 2008 Policy Forum -- Outlook for Consumer/Patient Engagement in Health Care -- 30 Years Into the Experiment
  • May 8, 2008 Policy Forum -- Defined Contribution Plans in a Post-PPA Environment
  • December 6, 2007 Policy Forum -- The Future of Employment-Based Health Benefits: Will Employers Reach a Tipping Point?
  • May 3, 2007 Policy Forum -- The Impact of PPA, FASB, and GASB on Defined Benefit Pension Plans

  • December 7, 2006 Policy Forum -- Consumer-Driven Health Benefits, 2nd Annual EBRI/Commonwealth Fund Survey

  • December 8, 2005 Policy Forum -- Consumer-Driven Health Benefits
  • May 5, 2005 Policy Forum -- Retirement Income Security: A Look At Social Security, Employment-Based Retirement Plans and Health Savings Accounts (HSAs)
  • December 2, 2004 Policy Forum -- Controlling Costs and Improving Quality for Retirees: Can It Improve the Health System Overall?

  • May 6, 2004 Policy Forum -- ERISA At 30: The Decline of Private-Sector Defined Benefit Promises and Annuity Payments? What Will It Mean?
  • December 4, 2003 Policy Forum -- Assessing Future Retirement Security with the Results of the EBRI/ERF Retirement Security Projection Model
  • May 8, 2003 Policy Forum -- Will Wider Use Of Evidence-Based Medicine Significantly Enhance Health Care Quality And Affordability? Implications for Consumer-Driven Health Benefits
  • December 5, 2002 Policy Forum -- Will Today's Workers Retire With Adequate Income? And, How Are Today's Retirees Surviving From A Financial Perspective?

  • May 2, 2002 Policy Forum -- Consumer Driven Health Benefits: A Continuing Evolution?

  • December 6, 2001 Policy Forum -- The Ongoing Move to Defined Contribution and Individual Account Plans: Issues and Implications

  • May 3, 2001 Policy Forum -- Defined Contribution Health Benefits - The Next Evolution

    EBRI-ERF Policy Forums and Publications, 1979–2003