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View Replay (Password: EBRI201812)
Welcome and Session Kick-Off
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 question: Is it that simple?
Considerations in the Retirement Income Phase of Life (Account Balances, Income Streams, and RMDs! Oh My!)
U.S. retirees juggle multiple resources in retirement — Social Security, homeownership, DB and DC plan accumulations, and 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.
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.