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The Rough Notes Company Inc.

Benefits & Financial Services

    HOSPITAL INDEMNITY INSURANCE

HOSPITAL INDEMNITY INSURANCE

HOSPITAL INDEMNITY INSURANCE Employer interest is growing and this voluntary benefit is becoming a valuable addition to benefit programs By Len Strazewski Once thought to be a luxury, supplemental health coverage that provided little return for the premium paid for most policyholders, hospital indemnity insurance plans are fast becoming valuable and important voluntary benefit additions to an employee benefit strategy. Often coupled with other voluntary benefits such as critical illness

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    PROVIDING ADVICE WITHIN A CONTRIBUTION PLAN

PROVIDING ADVICE WITHIN A CONTRIBUTION PLAN

PROVIDING ADVICE WITHIN A CONTRIBUTION PLAN OneAmerica taps extra data to help employees reach retirement goals By Thomas A. McCoy, CLU The goal of achieving retirement readiness for a workforce is sometimes pulled in different directions by two equally valuable resources: technology and human advice. Effective use of both is critical, but it is possible to mix the two in different quantities to produce the desired result. Defined contribution (DC)

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BRINGING ANNUITIES INTO THE RETIREMENT DISCUSSION

Benefits Products & Services By Thomas A. McCoy, CLU BRINGING ANNUITIES INTO THE RETIREMENT DISCUSSION Principal Financial study, legislative progress signal opportunities Baby Boomers who are preparing to enter the retirement ranks are faced with the decision of how to invest their retirement income nest egg to carry them through the years ahead. For advisors who help them through this process, that job can be bigger than simply crunching numbers.

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    COVERING THE CHASM

COVERING THE CHASM

COVERING THE CHASM Disability insurance fights for its share of the voluntary market By Thomas A. McCoy, CLU Everyone in the workplace has at least one thing in common: They receive a paycheck. Along with it, they share the risk that an injury or illness could eliminate that paycheck. Disability income insurance provides personal risk management for this exposure—a safety net underpinning all of an employee’s current expenditures and his

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    SMILE! DO YOU SEE WHAT I SEE?

SMILE! DO YOU SEE WHAT I SEE?

SMILE! DO YOU SEE WHAT I SEE? Dental and vision remain must-haves in benefits packages By Christopher W. Cook The Broadway musical Annie reminded us that “You’re Never Fully Dressed Without a Smile,” but a smile is more than just shining one’s pearly whites. Having healthy teeth is not only a sign of good oral health but also of overall wellness, according to The Fifth Annual Guardian Workplace Benefits Study,

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