FINAL PROGRAM DETAILS - ISCEBSStrategies for Success • Five DB to DC conversion options...

FINAL PROGRAM

DETAILS

Where the Experts Gather to Learn

Partners in educational excellence

32nd Annual ISCEBS Employee BenefitsSeptember 22-25, 2013 Westin Copley Place | Boston, Massachusetts

• impact of the doMa decision on employee benefit plans

• are employee benefits forever?

• aca is here, is your plan ready?

• Pension reform in western canada

• How wellness impacts organizational culture

• next steps after retirement fee disclosures

• How can smartphones and tablets help you do your job better?

Register Now— Save $100 by August 15

SuPPORT BOSTON$15 of every registration goes to the Boston Marathon Relief Fund (see page 17)

CEBS graduates: Earn CEBS CPE credit at the Symposium!

32nd AnnuAl ISCEBS SympoSIum | SEptEmBEr 22-25, 2013

Sunday Afternoon Workshops—Jump-Start Your Symposium!2:30-4:30 p.m.on Sunday afternoon, join your fellow benefits professionals in an unstructured, informal workshop setting. Designed as a forum to encourage open discussion, you have the chance to join a conversation on the issues most relevant to you. It’s a great opportunity to share ideas, solutions and practical tips and widen your professional network. It’s an open forum, so bring your thoughts or questions and get ready for a lively discussion.

A workshop is a great way to start your Symposium and it’s included in your conference fee; simply use the registration form to reserve your spot.

the workshop offerings are listed below. If there is a topic you would like to discuss with a group on Sunday afternoon, submit it in advance to [email protected] and it may be added if space and interest allow.

Open Discussion for Employers

this gathering is reserved as an informal workshop session for employers to share strategies and practices. there is no additional fee to attend. use the registration form to sign up. Space is limited and is reserved exclusively for employers/ plan sponsors. See page 15 for more information.

Consulting Practice Owners Forum

A longstanding Sunday tradition, this unstructured gathering of consulting practice owners is designed to share issues and strategies for best serving client needs now and going forward. there is no additional fee to attend. use the registration form to sign up. See page 15 for more details.

ideas and solutions You can use

A “Case” for Symposium Attendance It’s not always easy to make your case to attend a conference. the Society has created a tool kit of items and information that can help justify your attendance. It provides tips on emphasizing the educational value, as well as cost-effective travel expense strategies. this year’s meeting is another can’t-miss educational event. Visit www.iscebs.org/toolkit to help you make your case for Symposium attendance.

Smartphone App the Symposium will again offer a mobile app for your smartphone or tablet, featuring session-and-speaker information, schedules, continuing education information, special activities and much more. Additional information will be available closer to the Symposium.

meeting new people. Brainstorming ideas and solutions. Sharing benchmarks or best practices. making (and renewing) professional contacts. one of the reasons people return to the Symposium year after year is that there is simply no better place to meet so many experienced benefits professionals, all in one place, facing the same issues and challenges you do.

(262) 786-8771 | www.iscebs.org

Who AttendsThe Symposium is one of the largest gatherings of credentialed benefits and compensation professionals. Attendees represent corporations, consulting firms, health care organizations, hospitals, banks, insurance companies, investment and administration firms, jointly trusteed and public employee benefit plans, law firms and other organizations involved with employee benefits.

Registration Is Open to• CEBS, CMS, GBA and RPA designation holders• CEBS students who have completed one or more exams• International Foundation corporate members.

REGISTER NOW!Use the form on page 19, online at www.iscebs.org or call (262) 786-8771.

Special Guest Registration Rate ($200 Savings) and $300 Unemployed Rate—See page 18.

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Dear Colleague:

The ISCEBS Symposium is known throughout the benefits industry for the quality and integrity of

its sessions, expert speakers and knowledgeable attendees, and numerous educational venues,

infused throughout with unsurpassed networking and discussion opportunities with colleagues

from the United States, Canada and beyond.

As benefits professionals, our work is shaped and driven by an ever-evolving environment of legal

and regulatory changes, at a pace that seems to increase daily.

When you attend the Symposium, you get more than a quick rundown of hot topics or pressing

problems—You get concrete takeaways, proven best practices, real-world actionable solutions

and ideas and strategies that you can use right away.

The Symposium provides resources critical to your success, offering informative and thought-

provoking sessions on today’s most relevant topics in health and retirement benefits. Look at the

agenda starting on page 4 and see a full slate of topics such as the Affordable Care Act, financial

wellness, mental health, pension reform, target-date funds, drug pooling in Canada and more.

Several of the sessions showcase survey results or case studies—offering a fascinating look

“under the hood.”

Developed by the International Society of Certified Employee Benefit Specialists (ISCEBS) and

the Corporate Board of the International Foundation of Employee Benefit Plans, the Symposium is

designed for CEBS designation holders and other corporate industry professionals making it the

benefits conference to attend.

Make education a priority this year. Join us in Boston!

Sincerely,

Gordon Erley, CEBS

President ISCEBS Governing Council

Vice President Aetna National Accounts

Southfield, Michigan

Renee Janosch

Corporate Board Chair

International Foundation

of Employee Benefit Plans

Director Health Care Strategy

McKesson Corporation

San Jose, California

This program qualifies for CEBS continuing professional education (CPE) credit. Visit www.cebscpe.org for more information.

32nd ANNUAL ISCEBS SYMPoSIUM | SEPTEMBER 22-25, 2013

Targeted Topics, Actionable Takeaways

MONDAY HEAltH CARE REtiREMENt GENERAl CANADiAN

7:45-9:15 a.m. Welcome and Keynote: Are Employee Benefits Forever?

9:30-10:30 a.m. U.S. legislative Update Canadian legislative Update

11:00 a.m.- 12:00 noon

transitioning From Health Care Volume to Value: Better Quality, Better Cost, Better Patient Experience • Understanding the landscape• Learn what programs apply to different segments

of health care professionals.• Learn the value of treating the whole patient.

Closing the Retirement Expectations “Gap”: Variations in Demographics, Sources of (Mis)information and the implications of a “Bad” Guess• The gaps between what workers believe they

need and what is likely to actually be required• How these gaps vary with a variety of factors• Which sources of information appear to provide

workers with the most accurate assessment of their retirement needs—and why

Gaining Corporatewide Support to Develop and implement a Five-Year Strategy, Dramatically Shifting Culture and Benefits• How to gain senior leadership participation

and support in developing a five-year strategic benefits plan.

• The value of using an interdepartmental implementation team to deliver an integrated communications plan

• The importance of cascading, segmenting and timing messages to ensure support and consistency

Organizational impact of Mental Health issues • The inclusion of mental health in workers’

compensation • How to identify and manage employees

who may experience mental health issues.• How to minimize risks to psychological

safety in the workplace.

12:00 noon- 1:30 p.m.

lunch

1:30-2:30 p.m.

Specialty Pharmacy: Examine, Optimize and Manage • Understand what a specialty drug is and how its

costs can be controlled.• Learn what can be done to evaluate the effective-

ness of your current specialty pharmacy program.• Understand current market support for managing

specialty drug costs.

Retirement: For Better Outcomes, Start With a Better Design• The ability to identify if a plan needs to change• How behavioral finance can be applied successfully

to an existing retirement plan for better outcomes and reduced cost

• An understanding of the next wave of retirement plan thinking

Health Care Reform in an interconnected World: Decisions and implications for Cross-Border Employers • Flow chart by expat, inpat, local groups• Case studies of current approaches• Proposed solution options

Determining a Wellness ROi• Who realizes the majority of cost savings:

the employer, or the province?• What should be measured• Benefits of wellness beyond measurable

cost savings

2:45-3:45 p.m.

Retiree Medical Solutions— the Case for Change• How employers can take advantage of the

changing retiree medical marketplace to maximize savings with minimal retiree disruption.

• How employers can mix and match retiree medical solutions to address the needs of grandfathered groups of retirees.

• Understand how actual and expected results compare and can vary.

Financial Wellness—Financial Planning as an Employee Benefit• Pros/cons of different ways to offer financial

planning as an employee benefit• Red flags when considering offering financial

planning as an employee benefit• List of questions to ask when selecting a

financial advisor/facilitator

the Power of two: the Dual Savings Path of HSAs for Both Health Care and Retirement• Illustrate the positive correlation between

HSA and 401(k) savings behaviors.• Examine what plan sponsors are doing to

encourage participants to use HSA dollars for expenses in retirement.

• Reveal key behavioral distinctions among three primary groups of HSA holders: savers, hybrids and spenders.

the Journey From DB to DC: Strategies for Success • Five DB to DC conversion options• Characteristics of a successful DC plan

implementation • Developing a strategy to educate and

engage members during the conversion process

4:00-5:00 p.m.

Health Care Reform Strategy: Your Next Move• Practical tips on complying with upcoming

mandates• Important questions necessary for any

long-term strategic initiatives• Resources and to-do lists

Benchmarking target-Date Funds: Art or Science? • Best practices in benchmarking target-date funds• New methods to benchmarking• Case studies

the Current State of the long-term Care insurance industry• Why is the need for LTC increasing? Aging

population, medical advances, family dispersion• How has the market been impacted? Product

evolution and rate changes• What caused insurance risk underfunding? Low

interest rates, adverse selection, very low attrition

Biologics, Biosimilars and Reimbursement• Biologics versus traditional drug therapies• How the market for biologics and subse-

quent entry biologics is likely to develop.• Issues plan sponsors should consider when

planning coverage for biologic therapies.

As a busy benefits professional, you don’t have time for educational conferences that focus on problems instead of solutions, offer tired and retreaded topics that are yesterday’s news, or just plain don’t deliver. With time and budget constraints, you simply can’t afford a program that falls flat on its promises.

Attending the Employee Benefits Symposium brings you together with hundreds of like-minded professionals facing the same issues you are: implementing health care reform and the many moving parts of ACA; health care cost containment; pension and retirement strategies and reform; talent retention—all while keeping an eye on the bottom line.

With so much of your participants’ financial security riding on their benefits, it’s critical to get things right—the first time. The Symposium gives you the tools you need, the resources you seek and the right questions to ask to ensure you’re making the best possible decisions for your stakeholders, your clients and your participants.

Sessions are organized into tracks for health care, retirement and benefits topics, with a track devoted exclusively to Canadian benefit topics. You can specialize your conference experience and be confident that each topic will provide targeted education and actionable takeaways.

Numerous networking opportunities with speakers, attendees, CEBS graduates, chapter leaders and sponsors mean that your next professional connection or solution could be a mere handshake away. The host city of Boston offers a historic and contemporary flair that makes it a popular worldwide travel destination.

Register today to reserve your spot and lock in the early-bird conference fee. Keep reading for more information about the Symposium and visit us online at www.iscebs.org/symposium.

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(262) 786-8771 | www.iscebs.org

tUESDAY HEAltH CARE REtiREMENt GENERAl CANADiAN

8:00-8:30 a.m. President’s Report

8:30-9:30 a.m. U.S. legal Update: Spotlight on Disability Cases Canadian legal Update

10:00-11:00 a.m.

Early insights From the First National Multicarrier Corporate Exchange • How does the corporate exchange work?• Insights from Aon Hewitt’s corporate exchange

and the impact on employers and consumers• What the future holds for the corporate exchange

latest Developments in Retirement income Solutions • Understanding the universe of retirement

income solutions• How to determine which retirement income

solution is right for your plan.• Participant behavior and retirement income

solutions

How Boomer Caregiving impacts Employer Health Costs and Ruins Wellness Efforts and Employee Productivity• Caregiving impact to health and wellness programs• How to help employees recognize caregiving

challenges early.• Keys to minimizing negative health outcomes,

and does long-term care coverage help?

the New Drug Pooling Arrangement• Risks and advantages of pooling• What options are available for ASo

or insured refund plans?• Short- and long-term effect on drug costs

11:15 a.m.- 12:15 p.m.

Health Care Reform Action Steps at the 11th Hour: Are You Ready?• ACA time line—2013 and beyond• ACA readiness self-assessment• List of available resources

Understand “Auditor-Ese” and Save Yourself a Headache• Understanding exactly what an auditor is

looking for when a request is sent• Why your timely response matters.• How working hand-in-hand with auditors

may benefit your business.

it’s a Mobile World: How Smartphones and tablets impact Your HR Efforts • Best practices for developing a policy that covers mobile devices that are brought into

work from home• Utilizing mobile technology• How mobile apps for smartphones and tablets can be used for wellness programs.

12:15-1:30 p.m. Fellowship Recognition luncheon

1:30-2:30 p.m.

the Medical Home: the Cure for What’s Ailing Health Care • Medical home models• Medical homes under self-funded plans• How to promote medical homes for all

Fee leveling in DC Plans: Disclosure is Just the Beginning • obligations of fiduciaries for the proper allocation

of revenue sharing• obligations of fiduciaries to disclose information

about revenue-sharing allocations in these plans• “Best-practice” approaches to fee leveling in

participant-directed plans

ACA and Competitive Advantage in the talent Wars• Doing the math: comply or pay?• Balancing the bottom line with employees’

well-being• Spending more on health plans to retain talent

Case Study: How the Shoemaker’s Children “Fit” into Retirement Planning• How to get new employees engaged in

retirement planning.• Before-and-after pension plan participation

levels• Innovative communication approaches

with new employees

2:45-3:45 p.m.

Navigate the Stormy Seas Ahead— A Case Study of a Creative Funding Vehicle for the New Health Care Reality • An understanding of the cost-saving potential

of a benefit captive• A greater understanding of the pros and cons

of setting up a benefit captive• The ability to determine if a captive is right

for an organization

Optimizing 401(k) Plan Performance and Management of Fiduciary liability • Understanding fiduciary roles, responsibilities

and technical requirements (fiduciary self- assessment scorecard)

• Controlling plan fees• How to mitigate plan sponsor’s and trustee’s

fiduciary risk.

Benefits and HR in Mergers and Acquisitions• Best practices• Role of benefits, HR and employees• Keeping it seamless

New Pension Standards in Western Canada• New pension plan designs and features• New requirements for pension plan

administrators• Disclosure requirements

4:00-5:00 p.m.

Ask the Expert Workshop • open forum discussion• Shared experiences• Broader perspective

Correcting Plan Errors With the Employee Plan Compliance Resolution System (EPCRS)• What common problems can be corrected• The three levels of correction• Updates to EPCRS in 2013

impact of the DOMA Decision on Employee Benefit Plans• Understand the impact on benefit plans

and alternatives that can be considered in plan design

• Identify actions that need to occur and by when• Identify communication strategies and challenges

Workshop: tips for Paper-to-Electronic Records transition

WEDNESDAY HEAltH CARE REtiREMENt GENERAl CANADiAN

8:00-9:00 a.m. increase Employee Engagement With Games

9:15-10:15 a.m.

Consumers of Health Care vs. Sponsors of Health Care Plans—Are Perceptions Reality?• Understanding the disjunction of employees’

view of health care and the current/changing health care system.

• Learning to equip employees with the right tools to engage with the health care system.

• Understanding how an effective strategy and benefit design can achieve targeted financial results.

Managing Risks in Defined Benefit Plans • Defined benefit risk awareness• Risk mitigation techniques• Difference in costs and methods of insurance

Crossing the Border—temporary Employee Benefits• Typical benefit programs offered to expatriates• Factors impacting benefits for international transfers• Issues, policies and options for welfare benefits, retirement and social security

10:30-11:30 a.m.

Culture Wellness—Embedding Wellness into Your Organization • Best practices for creating a culture of wellness

in your organization regardless of size• How to effectively measure success year over year.• How to integrate wellness into the benefits

offering.

Generational Crossroads: Communicating With today’s 401(k) Participants• What are the generational needs and challenges?• How to effectively communicate to the

generational issues and attitudes• What “tools” make for an effective program

that meets desired results?

How States’ Conflicting Marriage and Domestic Partnership laws impact Employee Benefits• How employers should reconcile federal and

state law when offering same-sex benefits.• Administrative, compliance and beneficiary issues• After the rulings: Next steps for employers

and participants

Canada Bill 377—Financial transparency or Undue Burden?• What unions need to know• What employers need to know• How will labour relations and negotiations

be affected?

11:45 a.m.- 12:45 p.m.

Daring to Reward Biometrics in the Public Sector • Incentive structure for biometric measures• Next practice wellness programs• Integrating benefits and wellness

Cross-tested Plans— the New Comparability Approach• How such plan designs can work with 401(k)

plans • Discussion on different plan designs• What works and what to avoid

What is the Future Role of a Benefits Professional?• Industry trends• Vital skill sets• Navigating your future

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Health Retirement General Canadian

Sunday/MondaySUNDAY, SEpTEMbER 22, 20132:30-4:30 p.m.Sunday Afternoon Workshops (see page 15 for details)• Employer open Discussion• Consulting Practice owners Forum

5:00 p.m.CEBS Conferment Ceremony and Reception (see page 15 for details)

MONDAY, SEpTEMbER 23, 20137:45 a.m.Welcome

8:15-9:15 a.m.Are Employee Benefits Forever?Speaker: Ron leopold, M.D., Senior Vice President, National Practice

Leader in Health and Productivity, Wells Fargo Insurance Services, Atlanta, Georgia

Demographic and economic shifts are challenging employee benefits profes-sionals as never before. What role will employee benefits play in the future? How will companies compete for talent? Will a shift to defined contribution in health care cause a seismic shift in focus to workforce health and productivity? This thought-provoking keynote session will explore the key employee benefits challenges facing employers around the world today and show the powerful—and universal—role that benefits leaders can play in helping their organiza-tions successfully address them.

9:30-10:30 a.m.U.S. legislative UpdateSpeaker: James Klein, President, American Benefits Council,

Washington, D.C.

This always-popular session promises an insightful analysis of U.S. legislative and regulatory activities and their possible impact on programs such as Social Security and Medicare as well as employer-sponsored health and retirement plans. It will also delve into other employee benefit policy initiatives impacting the employer sponsorship of health plans.

Canadian legislative UpdateSpeaker: Mitch Frazer, Partner, Torys LLP, Toronto, ontario

Another perennial favorite, this session will provide an overview and analysis of legislative activity and regulations at the federal and provincial level. Attend this session to learn more about the latest legislative and regulatory changes, the potential impact on your group and retirement plans, and making sure your plans are compliant, as well as other benefit issues across Canada.

MONDAY, SEpTEMbER 23, 2013 (cONT.)11:00 a.m.-12:00 noon

transitioning From Health Care Volume to Value: Better Quality, Better Cost, Better Patient Experience

Speaker: Dick Salmon, M.D., Ph.D., Vice President and National Medical Director, Performance Measurement and Improvement, Cigna, Hartford, Connecticut

Transitioning health care professionals from rewards for volume to rewards for value is essential to achievement of the “triple aim,” better health, better patient experience, better cost. The presentation will review the landscape of activity in this area including programs such as accountable care organization initiatives designed for larger physician groups or integrated delivery systems, and programs such as episode payments designed for specialty groups. A review of known outcomes for both programs that reward process and those that reward outcomes will be presented.

takeaways• Understanding the landscape• Learn what programs apply to different segments of health care

professionals.• Learn the value of treating the whole patient.

Closing the Retirement Expectations “Gap”: SURVEY RESUltS

Variations in Demographics, Sources of (Mis)information and the implications of a “Bad” Guess

Speaker: Jack VanDerhei, Ph.D., CEBS, Research Director, EBRI, Washington, D.C.

The continuing evolution of employer-sponsored retirement plans from defined benefit to defined contribution combined with the likely need for significant modifications to Social Security retirement benefits within the next 25 years have made the worker’s retirement planning even more important than before. This presentation will make use of results from the 2013 Retirement Confi-dence Survey to document the amounts workers think they will need to have saved by the time they retire. These amounts will be compared with research EBRI is currently undertaking with its Retirement Security Projection Model® for the Senate HELP Committee.

takeaways• The gaps between what workers believe they need and what is likely to

actually be required• How these gaps vary with a variety of factors• Which sources of information appear to provide workers with the most

accurate assessment of their retirement needs—and why.

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MondayMONDAY, SEpTEMbER 23, 2013 (cONT.)11:00 a.m.-12:00 noon (cont.)

Gaining Corporatewide Support to Develop CASE StUDY

and implement a Five-Year Strategy, Dramatically Shifting Culture and Benefits

Speakers: Elizabeth Borton, President, Write on Target, Centerville, ohio

Noreen Cleary, CEBS, AVP Total Compensation, Integrys Group, Chicago, Illinois

In 2010, Integrys Group, a public utility, faced several major changes to their health and retirement plans which would impact its benefits and culture, including transitioning from a defined benefit to a defined contribution retire-ment plan, reducing the number of active health care plans and shifting to a self-service, self-responsibility culture. With the help of a long-term benefits advisory task force and implementation team, a five-year strategic plan was developed to transition the company. Throughout 2012, the team successfully rolled out HR branding reflecting the company’s commitment, a comprehensive communications campaign, retirement readiness workshops and announce-ment of the transition to one health plan by 2015, a high-deductible health plan with a health savings account and wellness incentives. Learn how this complex strategic plan was developed and implemented so you can guide your organization through major benefit and cultural changes.

takeaways • How to gain senior leadership participation and support in developing a

five-year strategic benefits plan.• The value of using an interdepartmental implementation team to deliver an

integrated communications plan• The importance of cascading, segmenting and timing messages to ensure

support and consistency

Organizational impact of Mental Health issues Speaker: Joseph Ricciuti, Principal, MH Inc., Toronto, ontario

The National Standard of Canada on Psychological Health and Safety in the Workplace is intended to guide organizations in identifying hazards and miti-gating risk to psychological health. Learn more about the organizational impact of mental health issues. The session will focus on practical and relevant ap-proaches to managing these issues, the cost of unmet mental health issues, as well as obligations, responsibilities and resources.

takeaways• The inclusion of mental health in workers’ compensation • How to identify and manage employees who may experience mental health

issues.• How to minimize risks to psychological safety in the workplace.

12:00 noon-1:30 p.m.lunch and Roundtable Discussions

SPONSOR Milliman

Lunch is another opportunity to keep the conversation going—Some of the lunch tables will be reserved to discuss specific benefit topics. See pages 15 and 20 for details.

MONDAY, SEpTEMbER 23, 2013 (cONT.)1:30-2:30 p.m.

Specialty Pharmacy: Examine, Optimize and ManageSpeakers: Kathryn Canaday, Chief Clinical officer,

Pharmaceutical Strategies Group, Plano, Texas

Jane lyons, Practice Leader, Employers, Pharmaceutical Strategies Group, Plano, Texas

Escalating pharmacy spend, particularly focused on specialty medications, is driving plan sponsors’ need to evaluate options and develop comprehensive strategies for controlling costs. This presentation will provide an overview and educate you on specialty pharmacy benefits. Considering specialty costs are trending as the fastest growing line item of health care spending at an annual rate of nearly 20%, learn what you can do to control these costs. Examine your own program to determine steps that you can take to reduce the trend for these drugs while enhancing overall health outcomes.

takeaways• Understand what a specialty drug is and how its costs can be controlled.• Learn what can be done to evaluate the effectiveness of your current

specialty pharmacy program.• Understand current market support for managing specialty drug costs.

Retirement: For Better Outcomes, CASE StUDY

Start With a Better Design

Speakers: Marc Howell, Vice President, Intellectual Capital, Retirement Plan Strategies, Prudential Retirement, Elverson, Pennsylvania

Michele talka, CEBS, Director, HR operations, Moffitt Cancer Center, Tampa, Florida

Moffitt’s current retirement plan design had been in place for over 25 years and hadn’t kept up with the changes in the retirement landscape. Moffitt engaged Prudential Retirement’s team to collaboratively develop potential alterna-tives to meet the practical and legal issues of a retirement plan, using today’s most current thinking around retirement strategies and leveraging behavioral finance. This presentation will detail the steps to identify the key issues with the current plan and describe the process for identifying alternative plan designs for consideration, addressing legal/regulatory issues and the use of behavioral finance.

takeaways • The ability to identify if a plan needs to change• How behavioral finance can be applied successfully to an existing retire-

ment plan for better outcomes and reduced cost.• An understanding of the next wave of retirement plan thinking

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MondayMONDAY, SEpTEMbER 23, 2013 (cONT.)1:30-2:30 p.m. (cont.)

Health Care Reform in an interconnected World: Decisions and implications for Cross-Border Employers

Speakers: Allen Koski, CEBS, Vice President, CIGNA Global Health Benefits, Wilmington, Delaware

Frank Weltz, CEBS, Assistant Vice President, CIGNA Global Health Benefits, Wilmington, Delaware

Although international plans were not contemplated in the drafting of PPACA, these plans (also known as expatriate plans and non-U.S. plans with members in the United States) have nonetheless been swept into the law’s require-ments. Applying PPACA to these plans is difficult and complex due to the plans’ global nature. This session provides timely suggestions for employer, insurer, broker/consultant and employee stakeholders on options. Especially before 2014, stakeholders need to be aware of the issues and find solutions. You will leave with a road map and checklist.

takeaways• Flow chart by expat, inpat, local groups• Case studies of current approaches• Proposed solution options

Determining a Wellness ROiSpeaker: Cherri Burdeyny, CEBS, Manager, Information Management

and Plan Administration, Alberta School Employee Benefit Plan, Edmonton, Alberta

Calculating the return on investment (RoI) is essential to determining the suc-cess of wellness activities, but few employers are doing so. A recent study by the Conference Board suggests about a third of employers measure program outcomes and only 1% perform a rigorous RoI calculation. This session will ex-plore some real-life examples of calculating RoI, why it matters and to whom, and some of the pitfalls to avoid.

takeaways• Who realizes the majority of cost savings: the employer, or the province?• What should be measured• Benefits of wellness beyond measurable cost savings


Retiree Medical Solutions— CASE StUDY

the Case for Change

Speakers: Rich Fuerstenberg, FSA, MAAA, FCA, Senior Partner, Employee Health and Benefits, Mercer, Princeton, New Jersey

Sean O’Donnell, CEBS, Director, Global Benefits and Medical Services, Cytec Industries, Woodland Park, New Jersey

In 2011, Cytec was challenged to reduce its retiree medical liability. The Af-fordable Care Act (ACA) and a changing retiree medical marketplace created a new range of potential solutions including employer group waiver plans (EGWPs) for prescription drug coverage and retiree health exchanges. Deter-mining how to align those solutions with the variety of retiree medical plans and contribution strategies at Cytec required some creative and flexible think-ing. This session will describe Cytec’s decision-making process. With the new plans in place for over a year, the session will also look back at how actual results (e.g., savings, retiree reaction) compared to what was expected. The session will also include an overview of what retiree solutions are emerging as well as results from Mercer’s Survey of Employer-Sponsored Health Plans.

takeaways• How employers can take advantage of the changing retiree medical market-

place to maximize savings with minimal retiree disruption.• How employers can mix and match retiree medical solutions to address the

needs of grandfathered groups of retirees.• Understand how actual and expected results compare and can vary.

Financial Wellness—Financial Planning as an Employee Benefit

Speaker: Richard Ellington, CEBS, Financial Planner, Trilogy Financial Services, Danvers, Massachusetts

This session will break down the walls and provide transparency on how the financial-planning industry works, how advisors get paid and how some ex-penses/fees are transparent and some hidden. Attendees will understand how valuable financial planning can be as an employee benefit as financial stress and uncertainty can impact work performance and productivity in a negative way.

takeaways• Pros/cons of different ways to offer financial planning as an employee

benefit• Red flags when considering offering financial planning as an employee

benefit• List of questions to ask when selecting a financial advisor/facilitator

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MondayMONDAY, SEpTEMbER 23, 2013 (cONT.)2:45-3:45 p.m. (cont.)

the Power of two: the Dual Savings Path SURVEY RESUltS

of HSAs for Both Health Care and Retirement

Speaker: Christi Wise, Senior Vice President, Health & Welfare, Fidelity Investments, Chicago, Illinois

Health savings accounts (HSAs) have now found broad appeal to a wide range of demographic and income levels. But, can you get your employees to save for both health care and retirement? Yes, it is possible. This session will share key findings on the evolving role of HSAs in retirement plan design and how HSAs are being utilized to bolster retirement readiness for a changing workforce where cost shifting and rising health care cost are rampant.

takeaways• Illustrate the positive correlation between HSA and 401(k) savings

behaviors.• Examine what plan sponsors are doing to encourage participants to use

HSA dollars for expenses in retirement.• Reveal key behavioral distinctions among three primary groups of HSA

holders: savers, hybrids and spenders.

the Journey From DB to DC: CASE StUDY

Strategies for Success

Speaker: Michelle Oram, CEBS, Senior Product Marketing Consultant, Manulife Financial, Kitchener, ontario

Low interest rates, financial market volatility and regulatory changes are keeping some defined benefit pension plan sponsors up at night. Recent surveys show that up to 97% of Canadian defined benefit pension plans have a solvency deficiency. This session will look at some current statistics for defined benefit plans in Canada and the challenges facing DB plan sponsors as well as review the conversion options available to plan sponsors. The session will also include a case study of one plan sponsor’s experience successfully converting a DB plan to a DC arrangement.

takeaways• Five DB to DC conversion options• Characteristics of a successful DC plan implementation • Developing a strategy to educate and engage members during the conver-

sion process


Health Care Reform Strategy: Your Next MoveSpeaker: tami Simon, Managing Director, Knowledge Resources,

Buck Consultants, Washington, D.C.

As the well-known health care reform compliance date of 2014 gets closer, employers are not only trying to keep up with the plethora of regulatory guid-ance but also thinking about broader strategic issues that could affect how they provide health and welfare benefits to their employee populations. This session will provide insights regarding the politics of health reform, review some key health care reform developments stemming from recent regulatory guidance, discuss health reform strategy and provide important reminders of upcoming obligations.

takeaways• Practical tips on complying with upcoming mandates• Important questions necessary for any long-term strategic initiatives• Resources and to-do lists

Benchmarking target-Date Funds: Art or Science?Speaker: Jeremy Stempien, Director of Investments, Morningstar Investment

Management, Chicago, Illinois

Immensely popular and equally diverse in nature, the exercise of benchmark-ing target-date funds has always been an important, yet difficult, task. As the industry has risen to the challenge of creating suitable benchmarks, the funda-mental question still exists: “How do I know if this is the appropriate glidepath for my participants?” This session will share best practices, new methods and real-world examples in selecting and evaluating benchmarks.

takeaways• Best practices in benchmarking target-date funds• New methods to benchmarking• Case studies

the Current State of the long-term Care insurance industry

Speakers: tucker Maxwell, Account Executive, LTC Solutions, Inc., Redmond, Washington

Christine McCullugh, President, LTC Solutions, Inc., Redmond, Washington

Recently, the long-term care (LTC) insurance marketplace has seen signifi-cant changes. This, coupled with an aging baby boomer population, makes understanding long-term care insurance more important than ever. As life expectancy continues to increase, who will care for our aging population? And where will the money to pay for the care come from? This session will provide an update and overview of the current LTC marketplace, including current and proposed legislation, state partnership plans, tax incentives, Medicaid and the “future” of CLASS Act, as well as marketplace changes—carrier exits and rate increases.

takeaways• Why is the need for LTC increasing? Aging population, medical advances,

family dispersion• How has the market been impacted? Product evolution and rate changes• What caused insurance risk underfunding? Low interest rates, adverse

selection, very low attrition

“ ”I attended my first Symposium this past year and was amazed at the caliber of the speakers. In many instances, it was very difficult to select which session to attend, as I wanted to attend more than one. I was delighted to receive all of the presentation handouts—even for the sessions I was unable to attend!

Susan Skarness, CEBS Benefits Manager

Maxus Energy Corporation The Woodlands, Texas

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Monday/TuesdayMONDAY, SEpTEMbER 23, 2013 (cONT.)4:00-5:00 p.m. (cont.)

Biologics, Biosimilars and ReimbursementSpeaker: Suzanne lepage, Private Health Plan Strategist,

Kitchener, ontario

Biologics are the fastest growing specialty drug classification on the market. As the population ages and the popularity of biologics increases, employers need to understand the impact these highly successful yet costly drugs can have on benefit plans.

takeaways• Biologics versus traditional drug therapies• How the market for biologics and subsequent entry biologics

is likely to develop.• Issues plan sponsors should consider when planning coverage

for biologic therapies.

6:00-7:30 p.m.Welcome Reception

SPONSOR Buck Consultants

TUESDAY, SEpTEMbER 24, 20138:00-8:30 a.m.President’s Report

8:30-9:30 a.m.U.S. legal Update:

SPONSOR Fidelity Investments

Spotlight on Disability Cases Speaker: Katherine Hesse, CEBS, Partner, Murphy Hesse

Toomey & Lehane, Boston, Massachusetts

With 2013 marking the 20th anniversary of FMLA, this popular session will focus on recent court decisions on disability and leaves-of-absence issues. A variety of cases will be covered, with a focus on best practices, developing effective and compliant policies, coverage and eligibility issues, key areas to scrutinize and avoiding common pitfalls.

Canadian legal UpdateSpeaker: Mitch Frazer

After the court’s ruling, the outcome is known, but the next steps for plan sponsors are sometimes unclear. Another attendee favorite, this session will provide an insightful analysis and overview of federal and provincial court decisions, their impact on group and pension plans in Canada and what plan sponsors should learn from these cases.

TUESDAY, SEpTEMbER 24, 2013 (cONT.)10:00-11:00 a.m.

Early insights From the First National CASE StUDY

Multicarrier Corporate Exchange

Speaker: Ken Sperling, CEBS, National Health Exchange Strategy Leader, Aon Hewitt, Norwalk, Connecticut

In 2012, Aon Hewitt was the first company to launch a national multicarrier corporate exchange, bringing together several large national and regional insurance companies to compete in offering employees a choice of fully insured group plans. The model merges the best of all worlds: group coverage pricing with the individual choice and cost control that come from free-market competition. This presentation will discuss insights and lessons learned from the corporate exchange model, including real-world insights gained from con-sumer behavior, satisfaction and enrollment data, and the differences among exchange models.

takeaways• How does the corporate exchange work?• Insights from Aon Hewitt’s corporate exchange and the impact

on employers and consumers• What the future holds for the corporate exchange

latest Developments in Retirement income SolutionsSpeaker: lori lucas, Defined Contribution Practice Leader, Callan Associates,

Chicago, Illinois

Solutions to help DC participants manage income in retirement are developing at a breakneck speed. Hear the latest on what solutions are available, how they are being used by plan sponsors and how well they help DC participants enjoy a financially successful retirement. This session will also touch on the current regulatory environment surrounding retirement income solutions.

takeaways• Understanding the universe of retirement income solutions• How to determine which retirement income solution is right for your plan.• Participant behavior and retirement income solutions

How Boomer Caregiving impacts Employer Health Costs and Ruins Wellness Efforts and Employee Productivity

Speaker: Kevin Sypniewski, President and CEo, AGIS Network, San Ramon, California

Many of today’s workforce are members of the sandwich generation— caring for both their children and parents. The reality of this dual role causes employ-ees’ health and wellness to rapidly deteriorate and continues for an average of 4.5 years. A recent study found caregiving employees’ health problems cost U.S. companies $13.4 billion, in addition to more than $33 billion in lost productivity each year. Traditionally, employers have focused on programs like EAPs and long-term care insurance to address these problems. But have they helped? This session will provide a comprehensive discussion of those issues.

takeaways• Caregiving impact to health and wellness programs• How to help employees recognize caregiving challenges early.• Keys to minimizing negative health outcomes, and does long-term care

coverage help?

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(262) 786-8771 | www.iscebs.org

TuesdayTUESDAY, SEpTEMbER 24, 2013 (cONT.)10:00-11:00 a.m. (cont.)

the New Drug Pooling ArrangementSpeaker: To Be Announced

To help mitigate the increasing drug costs (driven in part by increasing demand for biologics and an aging population), in 2013 the Canadian Life and Health Insurance Association (CLHIA) introduced a drug pooling agreement by which insurers can share these costs. Drug cost pooling effectively shields employ-ers from any disproportionate impact from high cost drug claims, giving them access to more competitively priced drug coverage.

takeaways• Risks and advantages of pooling• What options are available for ASo or insured refund plans?• Short- and long-term effect on drug costs

11:15 a.m.-12:15 p.m.

Health Care Reform Action Steps at the 11th Hour: Are You Ready?

Speaker: Mary Andersen, CEBS, President, ERISADiagnostics, Inc., Exton, Pennsylvania

This presentation will review the Affordable Care Act provisions (“Health Care Reform”) that will be effective in 2014. ACA is a triagency statute (IRS, DoL, HHS) with guidance issued by all three agencies. The amount of guidance is staggering. This session will discuss major aspects of the guidance in bite-size understandable pieces. Each guidance summary will contain action steps for the plan sponsor as well as available reference material resources. Attendees will leave the session knowing the looming issues for 2014 and beyond.

takeaways• ACA time line—2013 and beyond• ACA readiness self-assessment• List of available resources

Understand “Auditor-Ese” and Save Yourself a HeadacheSpeaker: Darlene Finzer, Principal, Rea & Associates, Inc.,

New Philadelphia, ohio

Throughout the plan audit process, you receive what seems like countless requests from various benefit plan auditors for various types of information. You’re just trying to run your business, comply with thousands of regulations and now you have to juggle more menacing requests. But there is a reason these reports, documents and agreements are being requested. If you’re asked for a participant detail report, do you know that the auditor is looking for information by investment for each participant? This session will help you get inside the mind of a benefit plan auditor, and you’ll receive a checklist of some of the most common requests an auditor will make along with a description of what that documentation is in layman’s terms and why the information is needed.

takeaways• Understanding exactly what an auditor is looking for when a request is sent• Why your timely response matters.• How working hand-in-hand with auditors may benefit your business.

TUESDAY, SEpTEMbER 24, 2013 (cONT.)11:15 a.m.-12:15 p.m. (cont.)

it’s a Mobile World: How Smartphones and tablets impact Your HR Efforts

Speaker: Chris Costello, Principal and Founder, CBG Benefits, Woburn, Massachusetts

As the number of smartphone and tablet owners continues to increase, there is no doubt that mobile devices are changing the way people communicate and consume information. This session will provide practical guidelines and strate-gies to help companies adapt to the growing mobile world.

takeaways• Best practices for developing a policy that covers mobile devices that are

brought into work from home• Utilizing mobile technology• How mobile apps for smartphones and tablets can be used for

wellness programs.

12:15-1:30 p.m.lunch: Fellowship Recognition

SPONSOR CIGNA

The luncheon presentation will showcase the ISCEBS fellowship status and recognize the fellows in attendance. All Symposium attendees are invited to attend.

1:30-2:30 p.m.

the Medical Home: the Cure for What’s Ailing Health Care

Speaker: Sandra Wood, CEBS, Benefits Consultant, GHB Insurance, olympia, Washington

While the Affordable Care Act is trying to manage health insurance as well as mandating coverage, a number of projects around the country are trying to manage the underlying cost of health care. By bringing back the concept of a true primary care physician, these programs are bending the curve of health care cost trends. The session will discuss how to increase patient health, which includes the patient having an active role in understanding their condi-tion, their treatment options and self-care strategies.

takeaways• Medical home models• Medical homes under self-funded plans• How to promote medical homes for all

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TuesdayTUESDAY, SEpTEMbER 24, 2013 (cONT.)1:30-2:30 p.m. (cont.)

Fee leveling in DC Plans: Disclosure is Just the Beginning

Speaker: Doug Conkel, Principal, Milliman, Dallas, Texas

In the context of heightened disclosures and scrutiny of fees and revenue sharing in participant-directed retirement plans, how well do you (and your participants) understand the allocation of fees in your retirement plan? Join us for a discussion of various fee allocation strategies, the incorporation of revenue sharing in your plan’s fee assessment methodology (fee leveling) and the fiduciary considerations therein.

takeaways• obligations of fiduciaries for the proper allocation of revenue sharing• obligations of fiduciaries to disclose information about revenue-sharing

allocations in these plans• “Best-practice” approaches to fee leveling in participant-directed plans

ACA and Competitive Advantage in the talent WarsSpeaker: To Be Announced

The cost of offering health plan benefits has continued to soar in recent years, making this benefit a costly one to offer, but often considered necessary to attract and retain the best talent. Now that the Patient Protection and Afford-able Care Act (PPACA) gives employers the “pay or play” option, will employers that choose to “pay” lose out in the war for talent? If an employer chooses to offer the benefit plan as prescribed by PPACA, can it still stand out as an employer of choice with a plan that resembles so many others? What else can an employer do to get and keep the best talent?

takeaways• Doing the math: play or pay?• Balancing the bottom line with employees’ well-being• Spending more on health plans to retain talent

TUESDAY, SEpTEMbER 24, 2013 (cONT.)1:30-2:30 p.m. (cont.)

Case Study: How the Shoemaker’s CASE StUDY

Children “Fit” into Retirement Planning

Speaker: James Abbott, CEBS, Director, Retirement and Savings Programs, Sun Life Financial, Waterloo, ontario

Using a case study approach, this session will outline the results to a new education strategy Sun Life Financial has taken with respect to their own employees in Canada and how this has impacted employee participation levels in the company-sponsored pension and stock ownership plans. The session will reveal learnings (including before-and-after data) on various employee segments with an emphasis on new employees.

takeaways• How to get new employees engaged in retirement planning.• Before-and-after pension plan participation levels• Innovative communication approaches with new employees

2:45-3:45 p.m. Navigate the Stormy Seas Ahead— CASE StUDY

A Case Study of a Creative Funding Vehicle for the New Health Care Reality

Speakers: John Cassell, Senior Partner, Spring Consulting Group, Merrimack, New Hampshire

Gary Gustafson, CEBS, Consultant, Spring Consulting Group, Merrimack, New Hampshire

Without a doubt, health care reform will increase the cost of health insurance over the next several years and employers will be forced to make some tough decisions on how to respond. There are several funding options employers may not have considered to help mitigate costs and calm the troubled waters, including the establishment of the benefit captive for their organization or a co-alition of organizations. In this session, we will describe a case study outlining how a group of Massachusetts employers is creating a health captive solution.

takeaways• An understanding of the cost-saving potential of a benefit captive• A greater understanding of the pros and cons of setting up a benefit captive• The ability to determine if a captive is right for an organization

“”

Without a doubt, the most important benefit of Society membership is the annual Symposium—which, in my mind, is the premier venue for all CEBS designees. It’s also a great networking opportunity; and I’ve made business contacts that have been helpful in some intricate mandates, the true power of shared knowledge making us stronger as a whole in the marketplace!

Philippe Dicaire, CEBS Senior Consulting Manager and Advisor

GFMD Employee Benefits Expert Consultants Saint-Hubert, Quebec

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(262) 786-8771 | www.iscebs.org

TuesdayTUESDAY, SEpTEMbER 24, 2013 (cONT.)2:45-3:45 p.m. (cont.)

Optimizing 401(k) Plan Performance and Management of Fiduciary liability

Speaker: Brian lakkides, Managing Director, Fiduciary Firewall Consulting, Inc., Waterford, Michigan

Most business owners and senior management have a fiduciary blind spot and fail to apply the same analytical and decision-making processes to decisions regarding employee benefits than they do to all other operations of their busi-ness, resulting in fee structures that are 20-60% higher than necessary. This presentation provides a pragmatic level of knowledge, insight and technical understanding regarding fiduciary duty and plan operations, as well as func-tional tools and information to properly manage fiduciary risk.

takeaways• Understanding fiduciary roles, responsibilities and technical requirements

(fiduciary self-assessment scorecard)• Controlling plan fees• How to mitigate plan sponsor’s and trustee’s fiduciary risk.

Benefits and HR in Mergers and AcquisitionsSpeaker: To Be Announced

Significant benefits issues can arise when a company acquires one or more other firms. These include cultural challenges, talent and reward management, benefits/HR functional considerations and workforce communications/change management. The session will discuss the role of benefits and HR in a merger/acquisition process.

takeaways• Best practices• Role of benefits, HR and employees• Keeping it seamless

New Pension Standards in Western CanadaSpeaker: Aaron Walker-Duncan, Director, Policy Branch, Pension

Corporation of British Columbia, Victoria, British Columbia

The Employment Pension Plans Act in Alberta, along with its British Colum-bia counterpart the Pension Benefits Standards Act, are intended to update and harmonize the pension standards legislation of the two provinces, while providing greater flexibility and affordability for private sector pension plans. Features include the introduction of new pension plan designs; more flexibility in funding by employers; greater clarity in plan governance requirements; in-creased focus on member disclosure; changes in minimum standards, including immediate vesting of member benefits and locking-in based on minimum dollar amounts rather than years of service; and enhanced regulatory oversight.

takeaways• New pension plan designs and features• New requirements for pension plan administrators• Disclosure requirements

TUESDAY, SEpTEMbER 24, 2013 (cONT.)4:00-5:00 p.m.

Ask the Expert WorkshopSpeaker: John Garner, CEBS, President, Garner Consulting,

Pasadena, California

As the author of the Health Insurance Answer Book, John Garner literally “wrote the book.” This session will begin with some real-life examples of how health care reform is affecting employer-sponsored health plans, followed by questions from the audience. Audience members are invited to share their experiences.

takeaways• open forum discussion• Shared experiences• Broader perspective

Correcting Plan Errors With the Employee Plan Compliance Resolution System (EPCRS)

Speaker: To Be Announced

The IRS developed EPCRS to give plan sponsors an avenue to correct certain common plan failures to satisfy the plan qualification requirements without suffering the severe penalty of plan disqualification. Learn more about EPCRS and its three compliance programs.

takeaways:• What common problems can be corrected• The three levels of correction• Updates to EPCRS in 2013

impact of the DOMA Decision on Employee Benefit Plans

Speaker: Mary Komornicka, CEBS, Attorney, Larkin Hoffman Daly & Lindgren Ltd., Minneapolis, Minnesota

on June 26, 2013 the U.S. Supreme Court issued a decision in Windsor v. United States that found a critical section of the Defense of Marriage Act (DoMA) to be unconstitutional. As a result, all federal laws, including ERISA, must now recognize the married status of individuals who are legally married in the state where they reside. The impact on employee benefit plans is signifi-cant and complex. This session will explore the implications of the decision on various benefit plans including health plans, cafeteria plans, retirement plans and executive plans. The design implications and communication strategies for employee benefit plans also will be discussed. As this is a new and develop-ing change in employee benefits, ample time will be given for discussion and questions.

takeaways• Understand the impact on benefit plans and alternatives that can be consid-

ered in plan design.• Identify actions that need to occur and by when.• Identify communication strategies and challenges.

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Tuesday/WednesdayTUESDAY, SEpTEMbER 24, 2013 (cONT.)4:00-5:00 p.m. (cont.)

Workshop: tips for Paper-to-Electronic Records transition

WEDNESDAY, SEpTEMbER 25, 20138:00-9:00 a.m.increase Employee Engagement With GamesSpeakers: Carolyn Gordon, Director of Benefits, FUJIFILM Holdings

America Corporation, Valhalla, New York

Dana Hurley, Senior Consultant, Towers Watson, New York, New York

Kathryn Yates, Global Practice Leader, Communication and Change Management, Towers Watson, Chicago, Illinois

By using games and collaborative techniques to add elements of fun and com-petition, organizations can create greater engagement among employees. This session will discuss internal gamification, how it’s being used effectively, and what communication and gaming principles should be considered. Examples of how organizations use gamification to better communicate and engage employees will be discussed, along with practical tips and best practices.

9:15-10:15 a.m.

Consumers of Health Care vs. Sponsors of SURVEY RESUltS

Health Care Plans—Are Perceptions Reality?

Speaker: David Cooke, CEBS, Vice President, U.S. Health & Benefits, Aon Hewitt, Chicago, Illinois

This presentation will show the results of Aon Hewitt’s consumer mindset survey toward health care. This session will discuss how employees look at and interact with the health system (including their real views of wellness initiatives, rewards, CDHP accounts) and how it relates to the actual benefit programs and communication programs they put in place for their employees. The final part of the presentation will show a suggested strategy for engaging employees and their families in understanding the complexities of the health care system and becoming more effective consumers.

takeaways• Understanding the disjunction of employees’ view of health care and the

current/changing health care system.• Learning to equip employees with the right tools to engage with the health

care system.• Understanding how an effective strategy and benefit design can achieve

targeted financial results.

WEDNESDAY, SEpTEMbER 25, 2013 (cONT.)9:15-10:15 a.m. (cont.)

Managing Risks in Defined Benefit PlansSpeaker: tim Connor, Consulting Actuary, Milliman,

Woodland Park, New Jersey

The science and art of reducing the risks inherent in a defined benefit plan remains of keen interest to many financial executives and fiduciaries. This presentation will explore the current landscape of possible solutions and will take an objective and in-depth look at some of the major strategies of pension plan risk mitigation.

takeaways• Defined benefit risk awareness• Risk mitigation techniques• Difference in costs and methods of insurance

Crossing the Border: temporary Employee Benefits


International assignments come with a host of questions and issues to address. What country’s health care system covers the employee? Is it a permanent, temporary or short-term assignment and what’s the difference? This session will delve into the issues, policies and approaches used to provide benefits to these groups of employees.

takeaways• Typical benefit programs offered to expatriates• Factors impacting benefits for international transfers• Issues, policies and options for welfare benefits, retirement and social

security

10:30-11:30 a.m.

Culture Wellness—Embedding Wellness CASE StUDY

into Your Organization

Speaker: Crystal Hover, CEBS, President, Kitchen Table Consulting, Los Angeles, California

Wellness. It’s come a long way, but the ability to sustain engagement remains relatively challenging for most employers. Join us for a case study that highlights best and innovative practices to creating and sustaining a successful approach to wellness.

takeaways• Best practices for creating a culture of wellness in your organization

regardless of size• How to effectively measure success year over year.• How to integrate wellness into the benefits offering.

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(262) 786-8771 | www.iscebs.org

WednesdayWEDNESDAY, SEpTEMbER 25, 2013 (cONT.)10:30-11:30 a.m. (cont.)

Generational Crossroads: Communicating With today’s 401(k) Participants

Speaker: James Modelski, Principal, DiMeo Schneider & Associates, LLC, Chicago, Illinois

We stand today at a crossroads of generational change among 401(k) plan participants. one challenge is to deliver content that each generation wants. Another challenge is how to deliver the content in a way that will resonate most with each generation whether it be interactive touch points, a holistic approach or one-on-one planning. This presentation explores methods on how to effectively communicate with different generations.

takeaways• What are the generational needs and challenges?• How to effectively communicate to the generational issues and attitudes• What “tools” make for an effective program that meets desired results?

How States’ Conflicting Marriage and Domestic Partnership laws impact Employee Benefits

Speaker: todd Solomon, Partner, McDermott Will & Emery, Chicago, Illinois

The varying state and federal laws regarding marriage, domestic partnerships and civil unions can complicate the design and administration of an employee benefits plan. The U.S. Supreme Court’s ruling on two landmark same-sex marriage cases has provided both answers and uncertainty. Learn more about the rulings’ possible long-term impacts on the cost, administration and tax implications of employer-sponsored health and retirement plans.

takeaways• How employers should reconcile federal and state law when offering

same-sex benefits.• Administrative, compliance and beneficiary issues• After the rulings: Next steps for employers and participants

Canada Bill 377—Financial transparency or Undue Burden?

Speaker: Michael Mazzuca, Partner, Koskie Minsky LLP, Toronto, ontario

Bill C-377, a proposed amendment to the Income Tax Act, will require unions and other labour organizations in Canada to file annual public reports detailing their financial activities exceeding $5,000, such as officer salaries, conferenc-es, training, investments and other activities. Its supporters say it will promote public trust by disclosing how its members’ dues, which are tax-deductible, are spent and bring Canada’s union financial disclosure laws in-line with those in other industrialized nations. Its critics maintain the bill is an unfair burden on unions, costly to implement, and an infringement of privacy and expression. This session will take a balanced look at this controversial measure and what it means to labour and management relations.

takeaways• What unions need to know• What employers need to know• How will labour relations and negotiations be affected?

WEDNESDAY, SEpTEMbER 25, 2013 (cONT.)11:45 a.m.-12:45 p.m.

Daring to Reward Biometrics CASE StUDY

in the Public Sector

Speaker: Mary Kay Ruwette, HR Manager, City of Dublin, Dublin, ohio

The city of Dublin, ohio has created a holistic health management program that prioritizes health behavior change over health care cost containment by closely linking wellness and benefits in a municipal government environment. Learn how the city was able to contain benefits spend for the past two years.

takeaways• Incentive structure for biometric measures• Next practice wellness programs• Integrating benefits and wellness

Cross-tested Plans— the New Comparability Approach


Cross-tested plans continue to grow in popularity as more and more benefits professionals realize their value. Still, some plan sponsors have avoided this plan design, often because of its complexities. This session provides an overview of cross-tested plans to help you better understand how to calculate benefit rates, test a plan for nondiscrimination and design a cross-tested plan.

takeaways• How such plan designs can work with 401(k) plans • Discussion on different plan designs• What works and what to avoid

What is the Future Role of a Benefits Professional?Speaker: To Be Announced

Transformative change in employee benefits continues to accelerate, triggering possible changes in the role of the benefits professional. Will they be tasked with helping employees navigate an increasing self-service environment? Will benefits functions continue to be outsourced? Will the industry evolve from design and administration functions to roles focused more on strategy, innova-tion and long-term planning?

takeaways• Industry trends• Vital skill sets• Navigating your future

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continuing EducationMembers who need continuing professional education credit for their CEBS designation, licensing or other reasons can satisfy their requirements through Symposium attendance.

In addition to providing CEBS CPE credit, the Society is a recognized sponsor of continuing education programs for insurance professionals in both the United States and Canada, CPAs, CFPs, attorneys and enrolled actuaries.

If you are interested in continuing education credit, make sure you mark the Symposium registration form. Since the policies and procedures for granting credit can vary by profession and location, it is often necessary for the Society to seek advance approval of the Symposium program. Early registration is recommended.

For most professions, continuing education attendance forms must be used to document credit hours. (The forms do not apply for CEBS CPE credit.) Personalized forms will be given to you at the meeting site if you requested credit in advance. To request confirmation of credit to be earned, call the Society Continuing Education Department at (262) 786-6710, option 2; or e-mail [email protected]. A $25 service charge, as indicated on the registration form, should be paid in advance of the program taking place (if applicable).

cEbS continuing professional Education (cpE) creditCEBS graduates can use Symposium sessions to earn CEBS CPE credit. Each 50-minute hour of education qualifies for one CPE credit. The $25 service fee to report credit for other professions does not apply.

U.S. Insurance professionalsEach year, the Symposium has been approved in many states for ten to 17 hours (only certain sessions qualify). Again this year, each day will be approved for individual credit, allowing for greater flexibility with attendance requirements.

• Requests for Approval—All states require receipt of a program approval request 45-60 days in advance of the program taking place. Register early in order to ensure program approval will be sought in your state.

• List of Sessions Approved—only insurance-related topics will qualify and specific sessions need to be attended in order to earn credit. You will be sent confirmation regarding total hours approved and which sessions need to be attended in order to earn the credit. Watch your e-mail for this communication or call before you attend. This information will also be available on site. Please read all communications carefully.

• The 2013 Symposium will qualify for a maximum of 17 credit hours.

canadian Insurance professionalsLife insurance agents can earn credit in Alberta, British Columbia, Manitoba, ontario and Saskatchewan. The Symposium will be submitted to Québec for approval upon request following the program.

pHR, SpHR and GpHRThe Symposium has been submitted to the HR Certification Institute (HRCI) for continuing education (CE) approval. CE credit will be offered to professionals who are PHR®, SPHR® and GPHR® certified. For HRCI inquiries, please contact the Society’s Continuing Education Department at (262) 786-6710, option 2; or e-mail [email protected]. The 2013 Symposium qualifies for a maximum of 16.5 general credits.

The use of this seal is not an endorsement by HR Certification Institute of the quality of the program. It means that this program has met HR Certification Institute’s criteria to be preapproved for recertification credits.

cpAsISCEBS is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to the National Registry of CPE Sponsors through its website at www.learningmarket.org. CPE credits will be granted based on a 50-minute hour. The Symposium is an intermediate-level group-live instructional program. There are no prerequisites, and no advance preparation is required. Credit topic recommendations will be available on site as well as on the website at www.iscebs.org/symposiumce.

The objective of this program is to update CPAs regarding topical concerns in the employee benefits field. You will learn about:

• Future legislative and regulatory initiatives that may impact your organization’s employee benefit plans

• Emerging trends in the employee benefits industry—in both the health and welfare and pension areas.

You will gain information and techniques needed to keep abreast of these latest trends for the benefit of your practice and clients.

AttorneysEach state must review and approve the program for CLE credit. The total minutes of CLE instruction recommended for three days of the 2013 Symposium are 660 minutes. A list of sessions recommended for CLE credit will be available at www.iscebs.org/symposiumce.

cFpsThe International Society is registered with the CFP Board as a sponsor of continuing education (Sponsor ID #288). A list of sessions qualifying for credit will be published on the ISCEBS website at www.iscebs.org/symposiumce.

Other professionsFor information on how the Symposium could meet continuing education requirements for other professions, call the Society Continuing Education Department at (262) 786-6710, option 2.

For continuing education updates, visit www.iscebs.org/symposiumce.

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(262) 786-8771 | www.iscebs.org

Special EventsSUNDAY, SEpTEMbER 22, 201312:00 noon-2:30 p.m.local Chapter leadership WorkshopGet ready for an exciting and energizing experience of learning, idea sharing and networking! Here’s an opportunity to share experiences with other chapter leaders. The format will be very open and collaborative, with emphasis on discussion and sharing of best practices. The workshop will focus on chapter use of technology and succession planning. Lunch will be provided. Additional information and agenda will be communicated to chapter leaders. We hope to have all chapters represented.

2:30-4:30 p.m.Sunday Afternoon Workshops (Included in your registration fee!)Employer open Discussion or Consulting Practice owners ForumThese are informal, unstructured workshop sessions facilitating discussion. There’s no set agenda, so the topics are open. Health care reform, compli-ance, retirement strategies, talent retention—these are just a few to get you started. Whatever your hot-button issues are, chances are others are facing them too. This is a great opportunity to share your challenges, benchmarks and best practices and learn from attendees’ vast expanse of knowledge and expertise—who knows what you will come away with?

The Employer open Discussion is available to plan sponsors, while the Consulting Practice owners Forum is designed for those running a consulting business to discuss the issues and strategies necessary to deliver client value.

These workshops are included in your conference fee—Simply use the registration form to indicate your interest in participating.

5:00-6:00 p.m.CEBS Conferment CeremonyThe CEBS conferment ceremony will recognize new graduates of both the U.S. and Canadian CEBS® programs. The special event also will recognize individuals who have earned the GBA (Group Benefits Associate), RPA (Retirement Plans Associate) and CMS (Compensation Management Specialist) designations as well as those earning ISCEBS fellowship for the first time. Don’t miss this opportunity to extend your congratulations to the new Certified Employee Benefit Specialists and those earning a specialty track designation!

6:00-7:00 p.m.CEBS Conferment ReceptionA reception honoring the new graduates will follow the conferment ceremony. All Symposium registrants, speakers and their guests are invited to attend the ceremony and reception.

MONDAY, SEpTEMbER 23, 2013 12:00 noon-1:15 p.m.luncheon Roundtables

SPONSOR Milliman

To maximize networking and the exchange of information, some of the tables at the Monday luncheon will be designated to discuss benefit topics. If you would like to participate in one of the discussion groups, make your selections on the Symposium registration form.

Consulting Practice Owners luncheon WorkshopThis valuable networking opportunity is designed to give consulting practice owners a chance to learn new ideas from fellow business owners on issues critical to running a practice. Attendees are asked to share experiences.

Fellowship Recognition The Society is pleased to recognize those who hold the exclusive fellowship status and their academic achievements. ISCEBS fellows will be honored at both the CEBS Conferment on Sunday and during the Fellowship Recognition Luncheon on Tuesday. Take time to congratulate those committed to the fellowship program.

CEBS Graduates: Earn CEBS Continuing Professional Education (CPE) Credit at the SymposiumAttending sessions at the Symposium qualifies for CPE credit for your CEBS designation. Each 50-minute hour of education qualifies for one CPE credit. Already well-known for being a topnotch educational conference, now the Symposium can put you on the fast track to being recognized as CPE-compliant in 2015. Visit www.cebscpe.org for details, or contact [email protected] with questions.

Visit www.iscebs.org/conferment for more information.

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Special ActivitiesSUNDAY, SEpTEMbER 22, 20137:40 a.m.-2:30 p.m.20th Annual Symposium Golf OutingAs an attendee of the 32nd Annual ISCEBS Symposium, you are invited to join us for a fun round of golf at Robert T. Lynch Municipal Golf Course at Putterham Meadows.

This 18-hole public golf course designed and built by Stiles and Van Kleek in 1931 features 6,003 yards of golf from the longest tees for a par of 71. More than $2 million in course improvements have greatly enhanced the playing experience in the last ten years.

If you are interested in participating, register online at www.iscebs.org/symposiumgolf. Register early—There are limited slots available. Don’t miss the chance to play this scenic course and enjoy an exciting memorable day!

7:40 a.m. tee times $95 includes golf fees, cart and lunch

Visit www.iscebs.org/symposiumgolf or contact the Society at (262) 786-8771 or [email protected] for additional information.

10:00 a.m.-2:30 p.m.Boston Sightseeing tourGolf not your game? Would you like to see some of the local sights before the Symposium? Join other attendees, speakers, guests and families on a guided tour of this historic city. Mark your calendars now—We hope to see you then!

MONDAY, SEpTEMbER 23, 2013

8:30-10:30 a.m.Hospitality Room—Spouses/GuestsHere is an opportunity for spouses and guests to make new acquain-tances and to plan their sightseeing activities. A representative from the area will be available to highlight the attractions and sights in the Boston area.

6:00-7:30 p.m.Welcome Reception

SPONSOR Buck Consultants

Another longstanding tradition, the ISCEBS Welcome Reception is a popular networking event and a great way to cap off the first full day of sessions. Enjoy appetizers and refreshments while you catch up with colleagues and friends and meet new ones. Symposium registrants, speakers and their guests are invited to attend.

TUESDAY, SEpTEMbER 24, 20136:30 a.m.Fun Run/WalkStart your day off right with an invigorating walk or run. The route and other details will be posted at the Symposium registration desk.

SUNDAY, SEpTEMbER 22 and TUESDAY, SEpTEMbER 24, 2013 Sign and Dine (Sunday and tuesday)Join a group of fellow Symposium attendees for dinner. Exciting and unique dining opportunities will be available Sunday and Tuesday evenings. Chapter members will host several dining options. They will also provide other information about the city. Sign up on site in the Symposium registration area.

Shipping Service (Monday-Wednesday) SPONSOR

Wells FargoYou can ship your Symposium materials home. We will make all of the arrangements and it’s free of charge.

Sym

posi

um F

eatu

res information Specialist on Site!

ISCEBS and International Foundation members have free access to customized research services offered through the Information Center.

During the Symposium, come to the registration area and meet one of the International Foundation’s information specialists who will be on site to

• Take your benefits, compensation and human resources (HR) information requests. This service alone is worth the price of your membership! Come prepared and take advantage of the world’s most extensive employee benefits library.

• Give “guided tours” of the ISCEBS and International Foundation websites. You can look at survey data, frequently asked questions, industry news, “hot” benefit topics, our benefits glossary, full-text articles, the online Bookstore, and posted job ads and resumés.

• Demonstrate the Live Chat feature, an interactive online messaging system that allows members to “talk” directly with an information specialist.

• Demonstrate searching our online database EMPLoYEE BENEFITS INFoSoURCE™. See how to obtain access to over 79,000 employee benefits and total compensation-related article summaries at the click of your mouse.

Future Symposium Sites

September 7-10, 2014 Arizona Biltmore Phoenix, Arizona

August 23-26, 2015 Hyatt Regency Vancouver Vancouver, British Columbia

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(262) 786-8771 | www.iscebs.org

boston beckons: A classic and contemporary DestinationPoised on the cusp of historic and hip, Boston offers a unique culture brimming with iconic landmarks, vibrant neighborhoods, world-class cuisine, culture, recreation and stunning scenery, woven in a blend of stylish sophistication and charming New England appeal.

Founded in 1630, Boston is among North America’s oldest and best- preserved settlements, with 18th century churches and meeting houses ringing its streets. Boston’s role at the forefront of American history is tangible with tours of the USS Constitution, Paul Revere’s House, Faneuil Hall and Boston Common. Monroe Tavern, used by the British as a postbattle field hospital, is filled with fascinating artifacts. Stories from American history come alive with walking tours of the Freedom Trail, Black History Trail, the Irish Heritage Trail and the Walk to the Sea, Boston’s newest walking tour, covering four centuries of the city’s history. Climbing Bunker Hill’s 294 steps will reward you with spectacular views.

often referred to as “America’s Walking City,” exploring Boston’s diverse and colorful neighborhoods offers a remarkable variety of styles and tones. From the Back Bay’s cosmopolitan streets and ornate Victorian townhouses to the aromas filling the narrow and jumbled 17th century streets of Bos-ton’s North End to the spirited and funky neighborhood squares of Cam-bridge—all are within easy distance from one another. If your feet aren’t up for the challenge, numerous other tours are available by bus, ferry or bike to introduce you to Boston’s varied sights, sounds and tastes.

The Boston dining scene is among North America’s finest, with award-winning chefs elevating high-end cuisine and comfort food alike. The local staples are still abundant; after all, what’s Boston without clam chowder, lobster rolls and Boston cream pie? Seafood seems to taste better with waterfront views and Boston chefs outdo themselves with signature specialties made from the freshest local ingredients. New restaurants and old favorites cater to every whim, taste and budget. Contemporary cuisine, traditional New England fare with a twist and an eclectic mix of international and ethnic dishes make for a truly unique dining experience.

Art and culture enthusiasts can choose from a variety of museums, including Boston Museum of Fine Arts, the Institute of Contemporary Art, the Harvard Art Museum and the Isabella Stewart Gardner Museum, housed in a 15th century Venetian-style palace. Natural history lovers can wander amongst dinosaur skeletons and fossils, meteorites, a 1600 am-ethyst geode and the Ware collection of amazingly lifelike glass flowers at the Harvard Museum of Natural History. The Museum of Science and the New England Aquarium offer exhibits for all senses and ages.

Performing arts are well-represented in Boston, with the Huntington Theater Company, American Repertory Theater and the world-renowned Boston Symphony, Pops and Ballet. The Handel and Haydn Society is the oldest continuously performing arts organization and one of the country’s premier period instrument orchestras and professional chorus. You can also catch a concert or performance at one of Boston’s music schools, bars, lounges or clubs.

If it’s more active recreation you’re after, check out major and minor league sports at Fenway Park and TD Garden, bicycle, canoe or kayak

rentals with classes and guided tours. A number of award-winning championship golf courses are located just south and west of the city. If you love the water, the best view of Boston’s skyline can be seen from a sailboat, canoe or kayak along the Charles River. For a more laid-back outing, take a lunch or dinner cruise around the Boston Harbor. If you want to venture further adrift, deep-sea fishing, Harbor Islands National Park and whale-watching excursions beckon.

Water explorations on a smaller scale can be had on the pedal-powered 135-year-old swan boats in the Public Garden, or a Duck tour aboard a WWII-style amphibious landing craft. or take in all the spectacular views on dry land from the Harbor Walk, a public waterfront walkway with parks, public art, seating areas, cafés, exhibit areas, interpretive signage, water transportation facilities and perhaps a glimpse of the seals at the aquarium!

If you need retail therapy, your first decision is simply where to start. The famous Newbury Street is located in the Back Bay, and it rivals Rodeo Drive for the latest and hottest trends. Name an upscale retailer and you’ll probably find it in Copley Place. Downtown Crossing is Boston’s historical shopping district, featuring a mix of street vendors, retailers and department stores. The Back Bay’s Prudential Center offers over 75 shops and restaurants. Located just over the river in Cambridge, The Cambridge Side Galleria, a hip urban center with a spectacular waterfront location offers more than 120 of Boston’s favorite stores, specialty boutiques and restaurants. In warmer weather, visit the outdoor shops along the pedestrian-only Faneuil Hall Marketplace.

once you get here, navigating the city is a breeze with the “T” subway, bus, trolley car and boat service to just about everywhere in the Greater Boston area. Mid-September temperatures are generally a high of 73o F (23o C) and cooler evenings.

ISCEBS, together with the International Foundation, will donate $15 for every Symposium registration to the America’s Fund Boston Marathon Relief Fund. The Semper Fi Fund, inspired to help the victims of the Boston bombing, created the America’s Fund Mentors Program through which veterans will mentor the newly injured, providing hope and encouragement throughout their rehabilitation and recovery.

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General Information

Registration Fees Through After August 15 August 15

Member Rates• ISCEBS $1,025 $1,125• International Foundation

Corporate Members $1,025 $1,125• Special Guest $825 $925• Nonmember Rates

CEBS, CMS, GBA or RPA Designees $1,170** $1,270**Corporate Plan Sponsors $1,170† $1,270†

• CEBS Student ( Completed at least one CEBS course by September 1, 2013) $1,170** $1,270**

New cEbS, cMS, GbA or RpA Graduates* Special Registration Fee• Graduate Member $825• Graduate Nonmember $920**

* Earned designation between August 1, 2012 and September 15, 2013. (If you earned your designation after August 1, 2012 and elected to go to the Conferment and Symposium in San Francisco, you must pay the regular registration fee for Boston.)

**Includes 2013 ISCEBS membership.† Includes a 2013 International Foundation membership for new members only. Registration fee includes continental breakfast and refreshment breaks Monday through Wednesday and luncheons on Monday and Tuesday.

continuing Education processing Fee $25Complete the CE application information and include the processing fee if continuing education credit is requested. This fee does not apply to CEBS CPE credit.

cancellation policyA $60 administrative charge is imposed on all cancellations. Refund deadline is two weeks prior to the meeting.

How to RegisterFill out the registration form on page 19. The Symposium registration fee must accompany the registration form. Registration fees can be paid by check or credit card. If you wish to pay in Canadian funds, please use the equivalent Canadian rate in effect at the time you submit the registration fee. Note: If you’re unable to use a credit card for your hotel deposit, you may include the one night’s room rate in your check for the registration fee.online: www.iscebs.org/symposiumBy fax: Payment must be made by credit card.

Please fax form to (262) 364-1818.By check: Make one check payable to the

International Society and mail to ISCEBS, P.o. Box 681092, Chicago, IL 60695-2092 USA

Questions?Call the Society office at (262) 786-8771 or e-mail [email protected].

$825 Guest Registration Fee ($200 Savings)Society members and International Foundation corporate members can bring a guest to this year’s Symposium for the special registration rate of $825. This is an excellent time to showcase the Symposium to your boss, colleague, client or co-worker. The guest registration fee also applies to members in the same office location. Members and guests using this registration fee must book their hotel accommodations at the Westin Copley Place.

$300 Unemployed Registration Fee for IScEbS MembersSociety members who are currently unemployed are eligible for this very special registration fee of $300. The Society has kept this fee for 2013 and recognizes the need for members to make connections with their peers while continuing their professional development activities at the Symposium.

If you obtain employment prior to the Symposium, please forward the difference in the fee to the Society. To take advantage of the discount, indicate “unemployed” on the top of the form and submit the $300.

Hotel InformationSingle/double occupancy—$259

A hotel deposit of one night’s room rate is required to guarantee your reservation and confirm the special hotel rate. Please use a major credit card to secure your hotel deposit. Be certain that you indicate your arrival and departure dates. Children aged 17 and under stay free in your room. The hotel is a smoke-free property.

Hotel reservations are made on a date-received basis. If the reservation is mailed less than 40 days prior to the meeting, please call the Society office at (262) 786-8771 to ensure availability. The rate applies for reservations secured through the International Society.

Travel/Transportation ArrangementsTravel to Boston is the responsibility of each individual. Most major airlines fly daily into Boston International Airport (BoS). Rental cars, taxis and a variety of public transportation options are available to get to the hotel and other attractions.

Suggested conference Attire

CEBS Conferment (Sunday)—Business dressSessions (Monday through Wednesday)—Business casual

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?M-713

REGISTRATION/2013 ISCEBS Employee Benefits Symposium (13SYMP) September 22-25, 2013 Westin Copley Place • Boston, Massachusetts CuSTOMER INfORMATION (Please print clearly)

Priority code ISBR2 Individual ID# or CEBS® ID# ________________________________________________First name ______________________________________________________ M.I. _________ Last name ________________________________________________Employer _______________________________________________________________________________________________________________________________Title ___________________________________________________________________________________________________________________________________Address ___________________________________________________________________________________________________________ ■ Business ■ HomeCity ____________________________________________________________ State/Province __________ Country __________ ZIP/Postal code ___________________________Phone _________________________________________________________ Fax _______________________________________________________________________________________________________________E-mail __________________________________________________________ Last 4/3 digits of SSN/SIN ____________ Date of birth (mm/dd/yyyy) ________________See our policies regarding your registration/cancellation/refund/record retention/photo release and privacy at www.iscebs.org/policies.

REGISTRATION INfORMATION

HOTEL

■ $259 Single/double occupancy ■ No hotel requiredArrival date _________ Departure date _________ Number of persons ______________ Special requests _____________________________________________________A hotel deposit of one night’s room rate is required. Please use a credit card to secure your hotel deposit. The hotel accepts: ■ VISA ■ MasterCard ■ Discover ■ Amex ■ Diner’s ClubCredit card #_____________________________________________________________________ Exp. date _______________

CONTINuING EduCATION CREdIT

$25 continuing education service charge due at time of registration. The International Society will apply for CE credit based on requests. You must indicate the profession for which credit is requested. The fee does not apply to CEBS CPE credit.

■ Actuary ■ Attorney/Lawyer ■ CPA ■ Insurance Producer/Agent* ■ PHR/SPHR/GPHR ■ CfP ■ Other, specify _______________________________

Licensed in the state/province of _____________ License/NPN/BAR/CPA # ___________________* Preapproval of programs/seminars is required in ALL insurance states. This process can take up to 90 days. Alberta requires the

Society to submit sessions for review 15 days prior to the program. Late requests could preclude insurance producers/agents from earning credit.

CE inquiries: (262) 786-6710, option 2; or e-mail [email protected]. NOTE: Requests made for CE credit on this form do not guarantee administration of credit.

RegisteR Now! Through After August 15 August 15ISCEBS Member Rates ■ $1,025 ■ $1,125 International foundation Corporate Member Rates ■ $1,025 ■ $1,125Special Guest Rates ■ $825 ■ $925Nonmember RatesCEBS, CMS, GBA or RPA designees ■ $1,170** ■ $1,270** Corporate nonmembers ■ $1,170† ■ $1,270† CEBS student (completed at least one CEBS course by September 1, 2013) ■ $1,170** ■ $1,270**New CEBS, CMS, GBA or RPA Graduates* Special Registration feeGraduate member ■ $825Graduate nonmember ■ $920*** * Earned designation between August 1, 2012 and September 15, 2013.

(If you earned your designation after August 1, 2012 and elected to go to the Conferment and Symposium in San Francisco, you must pay the regular registration fee for Boston.)

**Includes 2013 ISCEBS membership. †Includes a 2013 International Foundation membership for new members only.PaymentThe Symposium registration fee must accompany this registration form. Registration fees can be paid by check or credit card. If you wish to pay the registration fee in Canadian funds, please use the equivalent Canadian rate in effect at the time you submit the registration fee. Note: If you’re unable to use a credit card for your hotel deposit, you may include one night’s room rate in your check for the registration fee.

Approximately what year did you begin working in employee benefits? ________■ This is my first Symposium. Level of responsibility ■ Senior management ■ Middle management ■ Operations ■ Other CEBS Conferment (Sunday, September 22, 5:00 p.m.)■ Yes, I plan to attend the ceremony and reception.Guest’s/children’s name(s) ___________________________________________________________

I am a ■ CEBS ■ GBA ■ RPA ■ CMSSpecial Guest Registration■ I am registering as a “guest” and have been invited by the following Society member or

International Foundation corporate member.

Name _____________________________________________________________________________Note: Your guest registration will not be processed until the member named has registered for the Symposium.Sunday Afternoon Workshops Registration ■ Employer Open Discussion■ Consulting Practice Owners ForumGolf Outing■ Please send me information on the golf outing.Cancellation PolicyA $60 administrative charge is imposed on all cancellations. Refund deadline is two weeks prior to the meeting. For more information regarding administrative policies such as complaint and refund, please call the Society office at (262) 786-8771.

REGISTRATION/ORdER SuMMARY

Symposium $ ___________Continuing education service fee ($25) $ ___________

Total (U.S. funds) $ ___________

PAYMENT INfORMATION

Full payment must accompany order. Make check payable to International Society.

■ Check # __________________________ $ __________________________

■ VISA ■ MasterCard ■ Discover ■ American Express (U.S. only)

Credit card # ___________________________________________________ Exp. date________________

Cardholder’s name (print) ___________________________________________________________________

Smoke-free property

Special assistance? ■ Yes ■ No

Visit us on the web at www.iscebs.org.

Register online at www.iscebs.org.Fax your registration form with credit card number: (262) 364-1818

Mail the registration form with check or credit card number to: International Society, P.O. Box 681092 Chicago, IL 60695-2092 USA

For information, e-mail [email protected], or phone (262) 786-8771


Session Selection Form

Monday Luncheon 12:00 noon-1:15 p.m.If you would like to participate in these topics, please indicate first and second choice by the two topics that interest you most.

General Topics____ Absence Management____ ACA Communications____ ACA Compliance ____ ACA Cost____ ACA Exchanges____ ACA opportunities for Plan Sponsors____ 401(k) Plans —Fee Disclosure____ Global Benefits____ Long-Term Care____ Medical Homes____ Mental Health Strategies____ Pharmacy Benefits____ Retiree Liability/Costs____ Retirement Readiness____ Talent Management____ Target-Date Funds____ Wellness RoI

canada-Specific Topics____ Pension Reform____ Pharmacy/Drug Pooling

We need your assistance—If you would like to be a group facilitator, please print your name and topic preference.

________________________________Name

________________________________Topic Preference

Monday, September 238:15-9:15 a.m.

Are Employee Benefits Forever?

9:30-10:30 a.m. U.S. Legislative Update

Canadian Legislative Update

11:00 a.m.-12:00 noon Transitioning From Health Care Volume to

Value: Better Quality, Better Cost, Better Patient Experience

Closing the Retirement Expectations “Gap”: Variations in Demographics, Sources of (Mis)Information and the Implications of a “Bad” Guess

Gaining Corporatewide Support to Develop and Implement a Five-Year Strategy, Dramatically Shifting Culture and Benefits

organizational Impact of Mental Health Issues

1:30-2:30 p.m. Specialty Pharmacy: Examine, optimize

and Manage

Retirement: For Better outcomes, Start With a Better Design

Health Care Reform in an Interconnected World: Decisions and Implications for Cross-Border Employers

Determining a Wellness RoI

2:45-3:45 p.m. Retiree Medical Solutions—The Case for Change

Financial Wellness—Financial Planning as an Employee Benefit

The Power of Two: The Dual Savings Path of HSAs for Both Health Care and Retirement

The Journey From DB to DC: Strategies for Success

4:00-5:00 p.m. Health Care Reform Strategy: Your Next Move

Benchmarking Target-Date Funds: Art, or Science?

The Current State of the Long-Term Care Insurance Industry

Biologics, Biosimilars and Reimbursement

Tuesday, September 248:30-9:30 a.m.

U.S. Legal Update: Spotlight on Disability Cases

Canadian Legal Update

10:00-11:00 a.m. Early Insights From the First National

Multicarrier Corporate Exchange

Latest Developments in Retirement Income Solutions

How Boomer Caregiving Impacts Employer Health Costs and Ruins Wellness Efforts and Employee Productivity

The New Drug Pooling Arrangement

Tuesday, September 24 (cont.)11:15 a.m.-12:15 p.m.

Health Care Reform Action Steps at the 11th Hour: Are You Ready?

Understand “Auditor-Ese” and Save Yourself a Headache

It’s a Mobile World: How Smartphones and Tablets Impact Your HR Efforts

12:15-1:30 p.m. Fellowship Recognition Luncheon

1:30-2:30 p.m. The Medical Home: The Cure for What’s Ailing

Health Care

Fee Leveling in DC Plans: Disclosure Is Just the Beginning

ACA and Competitive Advantage in the Talent Wars

Case Study: How the Shoemaker’s Children “Fit” Into Retirement Planning

2:45-3:45 p.m. Navigate the Stormy Seas Ahead—A Case

Study of a Creative Funding Vehicle for the New Health Care Reality

optimizing 401(k) Plan Performance and Management of Fiduciary Liability

Benefits and HR in Mergers and Acquisitions

New Pension Standards in Western Canada

4:00-5:00 p.m. Ask the Expert Workshop

Correcting Plan Errors With the Employee Plan Compliance Resolution System (EPCRS)

Impact of the DoMA Decision on Employee Benefit Plans

Workshop: Tips for Paper-to-Electronic Records Transition

Wednesday, September 258:00-9:00 a.m.

Increase Employee Engagement With Games

9:15-10:15 a.m. Consumers of Health Care vs. Sponsors of

Health Care Plans—Are Perceptions Reality?

Managing Risks in Defined Benefit Plans

Crossing the Border: Temporary Employee Benefits

10:30-11:30 a.m. Culture Wellness—Embedding Wellness Into

Your organization

Generational Crossroads: Communicating With Today’s 401(k) Participants

How States’ Conflicting Marriage and Domestic Partnership Laws Impact Employee Benefits

Canada Bill 377—Financial Transparency or Undue Burden?

11:45 a.m.-12:45 p.m. Daring to Reward Biometrics in the Public Sector

Cross-Tested Plans—The New Comparability Approach

What Is the Future Role of a Benefits Professional?

Monday12:00 noon-1:15 p.m.

Consulting Practice owners Luncheon Workshop

Sunday Afternoon Workshops2:30-4:30 p.m.

Employer open Discussion

Consulting Practice owners Forum

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(262) 786-8771 | www.iscebs.org

speakers

BostonMassachusetts

The International Society expresses its gratitude to the following speakers whose dedication and donation of time and expertise make this program possible.

James Abbott, CEBS, Director, retirement and Savings programs, Sun life Financial, Waterloo, ontario Page 10

Mary Andersen, CEBS, president, ErISADiagnostics, Inc., Exton, pennsylvania Page 9

Elizabeth Borton, president, Write on target, Centerville, ohio Page 5

Cherri Burdeyny, CEBS, manager, Information management and plan Administration, Alberta School Employee Benefit plan, Edmonton, Alberta Page 6

Kathryn Canaday, Chief Clinical officer, pharmaceutical Strategies Group, plano, texas Page 5

John Cassell, Senior partner, Spring Consulting Group, merrimack, new Hampshire Page 10

Noreen Cleary, CEBS, AVp total Compensation, Integrys Group, Chicago, Illinois Page 5

Doug Conkel, principal, milliman, Dallas, texas Page 10

Tim Connor, Consulting Actuary, milliman, Woodland park, new Jersey Page 12

David Cooke, CEBS, Vice president, u.S. Health & Benefits, Aon Hewitt, Chicago, Illinois Page 12

Chris Costello, principal and Founder, CBG Benefits, Woburn, massachusetts Page 9

Richard Ellington, CEBS, Financial planner, trilogy Financial Services, Danvers, massachusetts Page 6

Darlene Finzer, principal, rea & Associates, Inc., new philadelphia, ohio Page 9

Mitch Frazer, partner, torys llp, toronto, ontario Pages 4, 8

Rich Fuerstenberg, FSA, MAAA, FCA, Senior partner, Employee Health and Benefits, mercer, princeton, new Jersey Page 6

John Garner, CEBS, president, Garner Consulting, pasadena, California Page 11

Carolyn Gordon, Director of Benefits, FuJIFIlm Holdings America Corporation, Valhalla, new york Page 12

Gary Gustafson, CEBS, Consultant, Spring Consulting Group, merrimack, new Hampshire Page 10

Katherine Hesse, CEBS, partner, murphy Hesse toomey & lehane, Boston, massachusetts Page 8

Crystal Hover, CEBS, president, Kitchen table Consulting, los Angeles, California Page 12

Marc Howell, Vice president, Intellectual Capital, retirement plan Strategies, prudential retirement, Elverson, pennsylvania Page 5

Dana Hurley, Senior Consultant, towers Watson, new york, new york Page 12

James Klein, president, American Benefits Council, Washington, D.C. Page 4

Mary Komornicka, CEBS, Attorney, larkin Hoffman Daly & lindgren ltd., minneapolis, minnesota Page 11

Allen Koski, CEBS, Vice president, CIGnA Global Health Benefits, Wilmington, Delaware Page 6

Brian Lakkides, managing Director, Fiduciary Firewall Consulting, Inc., Waterford, michigan Page 11

Ron Leopold, M.D., Senior Vice president, national practice leader in Health and productivity, Wells Fargo Insurance Services, Atlanta, Georgia Page 4

Suzanne Lepage, private Health plan Strategist, Kitchener, ontario Page 8

Lori Lucas, Defined Contribution practice leader, Callan Associates, Chicago, Illinois Page 8

Jane Lyons, practice leader, Employers, pharmaceutical Strategies Group, plano, texas Page 5

Tucker Maxwell, Account Executive, ltC Solutions, Inc., redmond, Washington Page 7

Michael Mazzuca, partner, Koskie minsky llp, toronto, ontario Page 13

Christine McCullugh, president, ltC Solutions, Inc., redmond, Washington Page 7

James Modelski, principal, Dimeo Schneider & Associates, llC, Chicago, Illinois Page 13

Sean O’Donnell, CEBS, Director, Global Benefits and medical Services, Cytec Industries, Woodland park, new Jersey Page 6

Michelle Oram, CEBS, Senior product marketing Consultant, manulife Financial, Kitchener, ontario Page 7

Joseph Ricciuti, principal, mH Inc., toronto, ontario Page 5

Mary Kay Ruwette, Hr manager, City of Dublin, Dublin, ohio Page 13

Dick Salmon, M.D., Ph.D., Vice president and national medical Director, performance measurement and Improvement, Cigna, Hartford, Connecticut Page 4

Tami Simon, managing Director, Knowledge resources, Buck Consultants, Washington, D.C. Page 7

Todd Solomon, partner, mcDermott Will & Emery, Chicago, Illinois Page 13

Ken Sperling, CEBS, national Health Exchange Strategy leader, Aon Hewitt, norwalk, Connecticut Page 8

Jeremy Stempien, Director of Investments, morningstar Investment management, Chicago, Illinois Page 7

Kevin Sypniewski, president and CEo, AGIS network, San ramon, California Page 8

Michele Talka, CEBS, Director, Hr operations, moffitt Cancer Center, tampa, Florida Page 5

Jack VanDerhei, Ph.D., CEBS, research Director, EBrI, Washington, D.C. Page 4

Aaron Walker-Duncan, Director, policy Branch, pension Corporation of British Columbia, Victoria, British Columbia Page 11

Frank Weltz, CEBS, Assistant Vice president, CIGnA Global Health Benefits, Wilmington, Delaware Page 6

Christi Wise, Senior Vice president, Health & Welfare, Fidelity Investments, Chicago, Illinois Page 7

Sandra Wood, CEBS, Benefits Consultant, GHB Insurance, olympia, Washington Page 9

Kathryn Yates, Global practice leader, Communication and Change management, towers Watson, Chicago, Illinois Page 12

nonprofit org.u.s. PostaGe

PaidMilWauKee, Wi PerMit no.1633

SO130656

2013 symposium sponsorsthe Society gratefully acknowledges the contributions of these sponsors in support of the Symposium.

PlAtinum Buck Consultants Welcome reception www.buckconsultants.com

Fidelity investments tuesday opening Session and Attendee tote Bags www.fidelity.com/workplace

GoldAon Hewitt monday Continental Breakfast www.aonhewitt.com

Benefit outsourcing Solutions, inc.Water Bottle/Hydration Station www.benefitoutsourcing.com

Cigna Fellowship recognition luncheon www.cigna.com

ConnectYourCare Hotel Key Cards www.ConnectyourCare.com

GatewayiQ program Binders www.gatewayiQ.com

Gold (cont.)inG name Badge lanyards www.ing.com

lockton Companies tuesday refreshment Breaks and Coffee mugs www.lockton.com

milliman monday luncheon roundtables www.milliman.com

Putnam investments Symposium Flash Drives www.putnam.com

Wells Fargo insurance Shipping Service https:wfis.wellsfargo.com

SilverAegis risk llC www.aegisrisk.com

Crawford Advisors, llC notepads www.crawfordadvisors.com

Silver (cont.)Humana Pharmacy Solutions pens www.humanapharmacysolutions.com

merck www.merck.com

PayFlex Systems uSA, inc. program at a Glance www.HealthHub.com

uSi insurance Services www.usi.biz

BronzeBenefitslink.com www.benefitslink.com

Hr Certification institute www.hrci.org

new england Workplace therapies, llC www.workplace-therapies.com

(As of July 2013)

Join the Sponsorship Team—Visit www.iscebs.orgStop by the display tables in the sponsor exhibit area to pick up information on products

and services available to benefits and compensation professionals.

FINAL PROGRAM DETAILS - ISCEBSStrategies for Success • Five DB to DC conversion options...

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