Welcome to our annual HSA Survey. We asked the top companies in the state essential questions about coverage and services that affect you, the broker. Read on to find out which plans will work best for you and your clients. Look For Part II of Our Annual HSA Survey in the February 2015 Edition.
Level Funded Plans – Engineering Health Care Cost Containment with Self Insurance & Guaranteed Issue…
by Joseph Berardo Jr. • Brokers should articulate level funding as a predictable self-insured health plan that offers fixed monthly payments. When actual claims are lower than expected at the end of the year, employers can then use the credit to pay future health plan costs.
by Gerald M. Kouzmanoff CLU, ChFC • Isn’t it time that we start better protecting the income, the moneymaking machines, of our clients in the event they become sick or hurt?
by Stacy Monahan Tucker • As an agent or broker, what are your duties to your clients and the insurance companies in a disability claim? How can you navigate those duties while advising your clients in the claim process and protecting yourself from litigation?
by Phil Bruen • Unplanned absences can take a significant toll on the finances and productivity of a company and its employees.
by Ryan Morrison • Online benefit exchanges let brokers offer their clients more choice, a consumer-friendly buying experience for employees, streamlined administration, and reduced costs.
by Brenda Salyer • It is no longer true that having traditional long-term care insurance is the only way to pay for long-term care expenses.
by Rich Lane • Fixed annuities, once viewed as a conservative investment strategy, have emerged as an accumulation vehicle of choice for many soon-to-be retirees.
by Mark Roberts • Employers are going to see more options for private exchanges, voluntary benefits, and government requirements.
by Marcia Bowers • Creating a will is a common reason most people sign up for a legal plan, but there are many other ways a legal plan can help you plan for the future.
by Brendan Sharkey • The growth in globalization is indisputable. With it, comes the need for American companies to send employees around the world. According to the State Dept., 4 million to 6 million Americans live outside the United States. This brings up critical questions about ACA eligibility and the individual mandate.
by Leila Morris • Welcome to our first annual pet insurance survey. Pet insurance is growing in popularity as more and more people seek to protect the health of cherished family members.