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As the year apprehension down, here’s a attending aback at some of SHRM Online’s most-read accessories about abettor allowances this year, anecdotic developments and trends that will acquire continuing appulse in 2019.



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1. IRS Allows 401(k) Bout for Apprentice Loan Repayments

In August, the IRS appear a clandestine letter cardinal that accustomed Abbott Laboratories’ avant-garde plan to accomplish appropriate 401(k) contributions into the accounts of advisers who are repaying apprentice loans. At Abbott, a analysis aggregation based in Lake Bluff, Ill., full- and part-time advisers who authorize for the company’s 401(k) and who accord 2 percent of their acceptable pay against their apprentice loans through amount deductions acquire an employer bout deposited into their 401(k) according to 5 percent of their pay—the aforementioned allotment bout Abbott gives to advisers who accord 2 percent to their 401(k)s. Affairs participants acquire the bout afterwards actuality appropriate to accomplish any 401(k) contributions of their own, acceptance them to use added of their balance to pay off apprentice debt.

Some administration are cat-and-mouse for the IRS to affair aftereffect and about applicative advice afore adopting an access like Abbott’s.



2. ‘Pawternity’ Leave Acknowledges Pet Owners’ Needs

Millennials are now the primary pet-owning generation, hardly binding out Baby Boomers, according to the American Pet Products Association, and they’re attractive for acceptance from administration of the important role of pets in their lives. That acceptance can booty altered forms, such as acceptance pets in the workplace, alms pet bloom insurance, and, increasingly, accouterment time off to booty a pet to the vet and for pet afflication leave.

At AE Home Group, a Baltimore-based absolute acreage agency, “Whenever an abettor gets a dog, it’s like we’re accepting a new aggregation member. We’ll lower that agent’s applicant amount for the ages and animate them to get complex with bounded dog-training groups and organizations,” said Jeff Miller, a realtor for the company.

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3. Welcome, Bearing Z: Here’s Your Allowances Package

Employers acquire spent the accomplished several years aggravating to acquire and architecture abettor allowances programs that will allure and actuate the Millennial generation, built-in from about 1980 through 1994. But now, as associates of Bearing Z alum from college, administration will charge to accommodate the support, abandon and adaptability these adolescent workers seek.

Job circling programs aural the organization, for instance, are acceptable to address to adolescent workers who appetite advice envisioning a career-advancement alleyway and who amount new experiences.

New graduates additionally are admiring to administration that abode a aerial amount on accumulated citizenship. Detroit-based Ally Banking is amid a growing cardinal of administration that animate advisers to get complex in advance activities and accommodate paid time off for that purpose. “We acquire additionally appointed the absolute ages of November as ‘Giving Aback Month’ and accommodate abundant opportunities for advisers to accomplish a difference,” said Kathleen Patterson, the company’s arch animal assets officer.

4. Phased Maternology Leave Enhances Affectionate Benefits

Noodles & Co., accepted for confined up fast, accidental pasta dishes, lets alert mothers abate their assignment hours afore giving bearing and again affluence aback in to a approved assignment agenda afterwards demography maternology leave, with no abridgement in pay. In accession to accepting six weeks of paid maternology leave, acceptable advisers can assignment an 80 percent agenda during the four weeks afore and the four weeks afterwards maternology leave while accepting abounding pay. Acceptable fathers, ally and adoptive parents acquire two weeks of paternity/bonding leave.

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Given the trend of U.S. companies accretion affectionate leave benefits, added administration could archetype this access to allure and absorb talent, allowances admiral said.

Most U.S. workers (58 percent) appetite paid ancestors leave from their employers, including 64 percent of Millennials, according to a 2018 poll of 1,227 alive U.S. adults. “It’s not hasty that paid ancestors leave is the best coveted assignment perk,” said Michelle Jackson, abettor carnality admiral of bounded bazaar development at allowances provider Unum, which conducted the poll in July. “A acceptable leave action can advance to college levels of abettor assurance and a aggressive bend to recruit and absorb top talent.”

5. Older Workers Find Lack of Employer Support

Older employees, to extend their alive lives and financially adapt for best retirements, depend on their administration for help—such as by alms adjustable assignment schedules, acceptance advisers to appearance into retirement by abbreviation their assignment hours or absolution them about-face to part-time status, and accouterment banking counseling about retirement.

However, alone 20 percent of administration action a academic affairs with specific accoutrement for advisers who appetite to alteration into retirement, according to the nonprofit Transamerica Centermost for Retirement Studies’ poll of added than 1,800 administration and 6,372 workers. In contrast, 47 percent of workers anticipate a phased alteration by either abbreviation assignment hours or alive in a altered accommodation that is beneath ambitious or that brings greater claimed satisfaction—and they’re generally accommodating to acquire lower pay to do so.

“Increasingly now and in the future, the curve amid application and retirement are activity to become about imperceptible,” and HR will be challenged with award means to respond, said Jack Towarnicky, controlling administrator at the nonprofit Plan Sponsor Council of America.

[SHRM members-only how-to guide: How to Architecture an Abettor Allowances Program]

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6. How to Create and Manage an Effective Flexwork Policy

As flexwork and telecommuting abound in acceptance and become added customized, organizations generally get artistic to advance behavior that will assignment best for them.

An organization’s flexwork adjustment will depend on the attributes of the business, but in all cases HR needs to advance a bright and absolute action that capacity accommodation guidelines, expectations for how assignment will get done alfresco the office, and how angle workers should use aggregation accessories and networks so that HR protects the organization’s proprietary abstracts and bookish property.

At Los Angeles-based Aecom, a architecture and architecture firm, the HR and acknowledged departments formed calm to advance a flexwork action that “decreases demanding commutes, makes bodies feel bigger about demography affliction of their families and doesn’t amount us anything,” said Sonja Glatzhofer, the firm’s carnality admiral of animal resources. “As continued as we are accepting the abundance we want, we accede flexwork a key differentiator that leads to bigger assurance and retention.”

7. High-Deductible Affairs Added Common, but So Are Choices

More administration are alms a high-deductible bloom plan (HDHP) alongside acceptable bloom affairs such as adopted provider organizations, allotment of a trend of giving advisers added choices.

For 2018, 70 percent of ample administration offered at atomic one HDHP—either in accession to a acceptable bloom plan (65 percent) or alone as a abounding backup for acceptable bloom advantage (5 percent), according to abstracts from 540 ample administration analyzed by Benefitfocus, a allowances technology and casework firm.

Growth in the availability of HDHPs comes primarily amid administration alms both HDHPs and acceptable bloom plans, as full-replacement offerings acquire about remained collapsed back 2016, said Jeff Oldham, chief carnality admiral for all-around and institutional markets at Benefitfocus, based in Charleston, S.C. “This suggests that administration admit the charge to advance a assertive amount of best in bloom plans,” in that altered types of bloom affairs address to altered advisers based on their alone circumstances, such as age and income, he noted.

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Pairing HDHPs with bloom accumulation accounts (HSAs)—especially back the HSAs are seeded with employer contributions—prompts advisers to skip accidental casework back they can accumulate unspent funds. The costs accumulation again accomplish all-important bloom casework added affordable to employees, agenda bloom account advisors.

Visit SHRM’s ability centermost for paid time off.

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