| Above the Fold |
November 17, 2011 |
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| Could your company ruin your retirement? |
| By Paula Aven Gladych |
| Even though an automatic salary deferral rate of 3 percent into an employee's 401(k) is not enough to get them where they need to be in retirement, most companies are not poised to raise their initial default rate above that figure...Read more |
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| Today's News |
| RI lawmakers to vote on landmark pension overhaul |
| By David Klepper |
| A fight over public pensions in Rhode Island is about to come to a head in the Legislature, with lawmakers scheduled to vote Thursday on a landmark overhaul that has angered public-sector workers in this tiny and economically troubled state...Read more |
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| 7 reasons employees may opt out of employer health insurance |
| By Kathryn Mayer |
| Most assume everyone who's eligible for employer-based health insurance enrolls in that plan. But that's not always the case, eHealthInsurance says. The health insurance marketplace describes seven scenarios when people may decline employer-based coverage...Read more |
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| The Pulse |
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| Overheard on BenefitsPro |
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 If anyone is cut from the equation, I believe that the Broker Rep that works directly for the Insurer should be the first to get the axe. They provide nothing more than "fluff", while we are out in the trenches presenting ridiculous renewal increases and getting our backsides chewed up one side and down the other - only to be told that our commissions are going to be slashed. 
-- sickofitall, Consumer group: 3 reasons why health reform won't put brokers out of business
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