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Employee Benefit News for School, City and County Employers

Ken Zastrow

Ken Zastrow enjoys establishing a strong rapport with his clients. He believes that education is key in helping them understand their benefit plans. Ken has a strong background in both active and post-employment benefit strategies. As Employee Benefits Consultant at National Insurance Services, Ken is responsible for the overall assessment and management of all an employer’s benefit plans including claim reconciliation, policy changes, renewals, and medical and dental analytics. He is also well versed in compliance, benefit integration, and early retiree benefits. Ken is a licensed health and life insurance agent, working with schools, cities, and counties in the Midwest Region.

Recent Articles by Ken Zastrow

The Value of a Strategic Benefit Plan for Schools, Cities, and Counties

Updated March 2022

2 minute read

A competitive employee benefits package is essential for attracting and retaining quality employees, but continuing to offer the same plan year after year is tough...

Update - IRS releases FAQ Clarifying Integrated HRA Administration

This is an update to our December 2016 blog post (IRS Updates Will Impact School, City and County HRA Plans in 2017) regarding IRS Notice 2015-84 – Dependents seeking reimbursements from an HRA.

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21st Century Cures Act: Schools, Cities and Counties to Offer HRAs

With President Obama recently signing into law the 21st Century Cures Act, small schools, cities and counties will be able to offer stand-alone HRAs (Health Reimbursement Arrangements) to their...

IRS Updates Will Impact School, City and County HRA Plans in 2017

There are two changes effective January 1, 2017, for those schools, cities and counties who have an “Integrated” HRA Plan. Integrated HRAs are Health Reimbursement Arrangements tied to health...

Don't Make This Error if Early Retirees Stay on Your Health Plan

Many schools, cities and counties offer early retirees the option to continue on their group health insurance plan. They may also consider using a High Deductible Health Plan with an HSA (Health...

Could a Defined Contribution Retirement Plan Work for Your Organization?

School districts, cities and counties have historically provided some type of employer-paid health insurance benefit for early retirees – those retiring prior to age 65 – as a bridge from early...

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HRA Distributions Must Be Included in Calculating Overtime Pay

In a recent court ruling on a case involving the City of Sheboygan in Wisconsin, the judge ruled surprisingly that distributions from an HRA (Health Reimbursement Arrangement) need to be included in...

How HRAs Affect Health Insurance Premium Tax Credits for Early Retirees

Many school, city and county employers are providing HRAs (Health Reimbursement Arrangements) to their early retirees to help them pay for eligible medical expenses and health insurance premiums...

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Retiree Health Insurance Interview Series, Part 3: The Long-Term Transition to HRAs for School Districts and Early Retirees

Keeping early retirees on the school district’s group health plans can be expensive for the retiree, the district and consequently, current employees (overall premiums increase with retirees as...

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The Long-Term Transition to HRAs for Schools and Early Retirees

Keeping early retirees on the school district’s group health plans can be expensive for the retiree, the district and consequently, current employees (overall premiums increase with retirees as...