masthead of The Advocate online newsletter of The Benefit Advocates

What Employers Need to Know About Medicare Part D 
Beginning Jan. 1, 2006, employers that provide prescription drug coverage for their retirees can begin to take advantage of federal subsidies created by the Medicare Prescription Drug, Improvement and Modernization Act. Employers must apply by Sept. 30, 2005 to receive the subsidy.
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Develop Your Financial Crisis Plan Before Emergencies
Don't wait for a breadwinner's death to discover your family's finances and add to your grief.

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Short-Term Medical Insurance for College Graduates
Graduating college students face a lot of uncertainty but a lack of health insurance doesn't have to be among their concerns.
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My View: By Mary Kesel
Leaders who manage by the mantra, "You don't have to be liked, just respected," don't know the difference between leadership and power.
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The New Use-It-Or-Lose-It Rule 
While Congress hasn't abolished the rule that keeps many from using health-care flexible spending accounts, lawmakers are giving workers more time to spend their money.
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Medications in an ATM
A California company has found a unique way to reduce prescription drug costs — an ATM-like vending machine in doctor's offices that generic drug samples.
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Our Mission at The Benefit Advocates
Our goal: to be the industry's most respected provider of innovative benefit outsourcing solutions through "Real People, Real Answers" service and solutions.
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An online publication of The Benefit Advocates, 1082 West Fourth St., Winston-Salem, N.C., 27101, 1-800-344-5677.
Linda Carter, Editor, May 2004
Contact us at info@benefitadvocates.net

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