美国保险公司人力资源管理方案（英文版）.ppt

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1、RichBaileyFSA,MAAA,FCARichmond,VAIsitTimeforEmployerstoMoveAwayFromtheTraditionalWaysofProvidingEmployeeBenefits?November3,2004AgendaTheEnvironmentTheCatch-22PathsAwayfromTraditionalDelivery:TwoCampsOpportunitiesAlongPath2TheAnswerAdditionalTopics1AgendaTheEnv

2、ironmentMedicalTrendsLegislationMarketplaceChangesPopulationDemographicsEmployerOutlookTheCatch-22PathsAwayfromTraditionalDelivery:TwoCampsOpportunitiesAlongPath2TheAnswerAdditionalTopics2Double-DigitIncreaseforSecondYearinaRowPeremployeecostsinexcessof$5,600p

3、eryear-2.9%+6.2%+7.3%+8.1%+11.2%+14.7%Source:2002Mercer/FosterHigginsNationalSurveyofEmployer-sponsoredHealthPlans3AnnualCPITrendU.S.healthcarecostsrise,despitecontinuingeconomicrecessionThegapbetweenCPI-Uandmedicalcarecomponentisincreasing4ComparisonofOverall

4、GrowthCumulativemedicalcareCPI89%greaterthanoverallCPIsince1967DatabasedonJanuary1CPIvalues5Employers’CostIncreasesOut-PaceOtherIndicatorsLargestincreasesince1990(allemployers)Includesmedical,dentalandpharmacySource:2002Mercer/FosterHigginsNationalSurveyofEmpl

5、oyer-sponsoredHealthPlansResultsforEmployerswith500ormorelives6.9%18.6%16.7%17.1%12.1%10.1%8.0%-1.1%0.2%6.1%7.3%8.1%11.2%14.7%2.1%2.5%-2.00%0.00%2.00%4.00%6.00%8.00%10.00%12.00%14.00%16.00%18.00%20.00%19871988198919901991199219931994199519961997199819992000200

6、12002EmployersCPI-MedicalCPI-AllItems6AggregateHealthCareSpending(1980–2010)Governmentportionofpaymentsincreasing;totalprojectedtobeover$2trillionby2009Source:CMS7MedicalTrendsPopQuizHowmanyyearswillittakegrossmedicalcoststodouble,assumingnospecificemployerint

7、erventionsornationalhealthcare?10ormore98765orfewer8MedicalTrendsResponsesfromagroupof25actuarieswhohadtimetogettheircalculators9LegislationMedicarePrescriptionDrugsIfmadeintolaw,willhavemajorimpactonretireebenefitsandstrategiesInitialconfusionaside,shouldhave

8、positiveimpactonretireeplansExpectcostshiftingtonegativelyimpactactiveplansEEOCProposedchangesinADEAregulationsClinevs.GeneralDynamicsWellsFargocaseAppearstoallowpre-funding(andtax