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March 2008
Table of Contents
The New San Francisco Employer Mandate Has Implications throughout California
by Jay Beck • Most news coverage has focused on the impact on San Francisco’s businesses and residents, but brokers and businesses throughout California have reason to watch these developments.Why You Should look at Dental HMOs
by Robin Muck • If you haven’t experienced the new dental HMO plans, you’re doing yourself and your clients a disservice.PPO Networks with No Surprises
by Karen M. Gustin, LLIF • Many employers and employees think PPOs are standardized programs that are administered similarly by all dental insurance carriers. But, PPOs are not designed the same across the dental insurance industry.Appealing to Small and Midsize Companies: What You Should Know about Selling Dental Benefits
by Karen Brown and Katie Pirmann, • Recent studies reveal small businesses are more likely to depend on brokers for dental benefits.The Reverse Mortgage Market: A Quick and Easy Meta-view
by Monte Rose, CSA • Major players in the financial services industry are gearing up for this market and capital is flowing. Greater scrutiny of the market will only intensify in the next few years.Rethinking Reverse Mortgages – Home Equity Conversion as Supplemental Retirement Income
by Austin Rosenthal • Reverse mortgages offer a significant opportunity for Baby Boomers looking to convert home equity into cash without having to move or sell their property.Evolving to Seize New Opportunities for Growth
by Geoffrey and Gregory Kaltenbach
Deregulation, enhanced marketing, and the consumer’s need for a one-stop shop have created the wealth management firms of today.Avoiding PPO Sales Slip-Ups
by Leila Morris
In Part I of our Survey
10 California PPOs
diligently answer direct
questions about their plans.
Long-Term View of Health Invites New Thinking on Wellness Plans
by Tim Bireley • Employers are taking a longer view of health promotion and applying it to benefit design.Secrets of a Disability Claim Buyout
by Art Fries
The two most important ingredients of a disability claim buyout.Getting the DI Carriers to Hear Our Message
by Larry Schneider
The International DI Society needs your help to make DI as viable a product as it was years ago.The Optional Federal Charter – What it could Mean to You
by Douglas A. Mishkin
Many producers are frustrated by a system in which an innovative product that has addressed the needs of a client in one state is not available to a client with similar needs in a different state.Countering the Misconceptions about LTC Insurance
by Derrick Brickhouse
Agents who are prepared to counter those excuses with solid information will gain their clients’ trust and increase their chances of selling policies.HSAs are Here to Stay
by Kelly L. Birch.
HSA products will mature and expand; HSA custodians will multiply; service and convenience matter more than ever; and Education will be paramount to rolling out HSAs to employees.The Keys to Successful Voluntary Enrollment
by Cindy Bryant
Getting employees to sign on the bottom line is harder than it used to be, but following a few simple principles can make sure they do so and in larger numbers.Employers Should Avoid Going Beyond Voluntary Plan Safe Harbor
by Rich Glass, JD
Making contact with an ERISA land mine can result in the end of voluntary safe harbor protection for your client.
