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Chris Wellens
On my journey through life, I arrived at Neo-Platonist, Physical Monist, after starting out as a Catholic.
On my journey through life, I arrived at Neo-Platonist, Physical Monist, after starting out as a Catholic.

Chris's posts

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When most folks think about government regulation, they think about standards for clean water, work place safety, the environment.

BUT ... then there is ERISA, PPACA, and so on and so forth.

Why can't employees just be grownups and go to the government directly and deal with all this stuff?

Why put the employer in the middle?


Employers are required to:

• Provide a Summary Plan Description (SPD) for each health and welfare benefit plan offered or an SPD Wrap creating an overall SPD for all benefits wrapped in one document with required ERISA language. Note: The Summary of Benefits and Coverage (SBC) issued by providers do not meet SPD requirements, and small employers are not exempt.
• Provide required annual notices such as: Medicare Part D, WHCRA, NMHPA, HIPAA, CHIP, Mental Health Parity Act, and more depending on company size and other criteria.
• Provide triggering event notices like COBRA, FMLA, HIPAA Breach, and Medical Child Support Order Notice.
• Comply with healthcare reform changes and deadlines associated with Patient Protection and Affordable Care Act.
• Comply with the many federal and state laws governing employee rights like: FLSA, FMLA, ADA, OSHA, IRCA, EPA, ERISA, USERRA, PPACA, Title VII Civil Rights Act, PDA, GINA and more.

Enforcement and Audits:

• Enforcement and audits from the DOL, IRS and EEOC have significantly increased, with particular focus being placed on smaller organizations (< 100). Enforcers are aggressively seeking compliance and fines to fund PPACA and deficit.
• The DOL’s Employee Benefits Services Administration (EBSA) routinely conducts group health benefit plan ERISA audits.
• The Health Benefits Security Project (HBSP) was created under PPACA for additional focus on health plan compliance and on civil and criminal investigations.
• The DOL estimates three out of four plans audited have an ERISA violation, and 70 percent of audit violations result in monetary fines to the employer.


• Penalties are enforced for failure to comply with ERISA up to $100/day penalty for every employee that is affected.
• Penalties of up to $1,000 per day may be assessed against plan administrators who fail to comply with annual reporting. • Employers are receiving penalties – up to a $17,475 -- for failure to provide an SPD, thinking the certificate of insurance was enough.
• 67% of the time, if an employment lawsuit goes to trial, plaintiffs (employees) are more likely to win.
• Wrongful termination lawsuits have risen 260 % in the past 20 years with the average cost to settle an employee lawsuit for the small business owner of $326,000, plus attorney fees. Many fines and lawsuits are over $1,000,000.


• Compliance Basics service from HR Service, Inc. provides “What you need to know and do, when it’s needed” to pass ERISA audits, and avoid costly fines and laws suits with monthly legal updates, due date reminders, training bulletins, customized all-in-one Employee Notice Service and triggering event notice templates.
• Upgrade to the Compliance Basics Plus to create, store or update your SPD Wraps and other required documents in an easy to use online document management center. Keep documents current and up-to-date.

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My niece has been sending out messages that Trump won the election, so the rest of us should #GetOverIt and #GrowUp Of course, she is entitled to her opinion. But if you read this article, it makes you consider who needs to grow up (hint: it is not the rest of us)

Excerpt from the Atlantic Monthly:

Incoming White House Press Secretary Sean Spicer has promised that Trump’s tweets will continue: “He has this direct pipeline to the American people, where he can talk back and forth,” Spicer recently explained to WPRI TV in Providence, Rhode Island, adding that Twitter allows him to “put his thoughts out and hear what they’re thinking in a way that no one’s ever been able to do before.”

Oh Donald! Now we have truly entered the metaphysical! How do you hear what your thoughts are thinking? Do they have a life independent from yours?

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Interesting article quoting Gil Pratt on "provable correctness" in testing self-driving cars.

It seems to me that the biggest technical problem with a social/governmental impact facing the United States is cyber security, hacking, etc.

So the President Elect of the United States should meet with leaders in Silicon Valley who could discuss and brainstorm about this issue. People like Paul Vixie, Dan Kaminsky, Bruce Schneier, etc.

But instead, the Donald meets with the CEOs of the biggest and most successful tech companies. Why? They don't need his help. Yet, he says he will be there to help them! Seems like this is all about "the rich get richer."

Where is the responsible policy plan and program for securing critical infrastructure?
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