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Benefits & Financial Services

    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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    RISK RETENTION FOCUS DRIVES STOP-LOSS GROWTH

RISK RETENTION FOCUS DRIVES STOP-LOSS GROWTH

RISK RETENTION FOCUS DRIVES STOP-LOSS GROWTH Even small employers can self-fund and leverage market innovation and expansion By Len Strazewski When healthcare costs rise 10% or more each year, employers take aim on ways to not only reduce the cost of medical claims, but also the cost of paying and administering claims. For decades, the answer for large employers has been self-funding health insurance claims, hiring outside third-party administrators and

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    EMPLOYEE ASSISTANCE PROGRAMS

EMPLOYEE ASSISTANCE PROGRAMS

EMPLOYEE ASSISTANCE PROGRAMS Serving employee needs and employers’ ROI By Thomas A. McCoy, CLU It’s no secret that the stresses of everyday life can have a detrimental effect on employee productivity. An employee assistance program (EAP) built into a benefits plan provides a means for an employee to obtain professional help in dealing with extraordinary stressors that impede his or her work performance. Professional counseling through an EAP can be

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    TODAY’S CHOICES, TOMORROW’S RESULT$

TODAY’S CHOICES, TOMORROW’S RESULT$

TODAY’S CHOICES, TOMORROW’S RESULT$ Transamerica’s view of the intersection of health and wealth By Thomas A. McCoy, CLU Traditionally, when an employee started to work for an organization that provided some type of health benefits and a retirement plan, both the employee and employer would consider the health offerings as protection for the present. The retirement plan was protection for the future. Today, a growing number of employers are aligning

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    SKIP THE FROG PROTECTION AND OFFER IDENTITY THEFT

SKIP THE FROG PROTECTION AND OFFER IDENTITY THEFT

SKIP THE FROG PROTECTION AND OFFER IDENTITY THEFT With ID theft on the rise, now is the time to offer theft protection as a voluntary benefit By Christopher W. Cook A few years ago, Discover ran a humorous TV commercial about its fraud protection service in which a customer is seeking “frog” protection. We had a good chuckle regarding the miscommunication between the service rep and customer—played by similar-looking actors—and

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