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Benefits Lead

    DENTAL AND VISION BENEFITS

DENTAL AND VISION BENEFITS

DENTAL AND VISION BENEFITS Amid the pandemic, the value placed on health insurance policies is taking on greater importance By Len Strazewski As unemployment reaches levels not seen since the Great Depression, personal incomes are falling, and employee benefits are in shambles—just as the need for health benefits is exploding. Obamacare and COBRA provide some major medical options, but vision and dental benefits may be orphaned during the crisis. John

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    SELF-FUNDED MEDICAL PLANS AND STOP LOSS

SELF-FUNDED MEDICAL PLANS AND STOP LOSS

SELF-FUNDED MEDICAL PLANS AND STOP LOSS Innovation on the front lines of cost containment By Thomas A. McCoy, CLU A self-funded medical plan  represents the epitome of a partnership effort among the benefits broker, an employer and the stop-loss insurer backstopping it all. For an employer to self-fund in the face of relentlessly rising medical costs is both an opportunity and a challenge. If self-funding were not a significant opportunity,

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    SURVEYING THE BENEFITS LANDSCAPE

SURVEYING THE BENEFITS LANDSCAPE

SURVEYING THE BENEFITS LANDSCAPE Insurers adapt to the needs of today’s dynamic workforce By Thomas A. McCoy, CLU In practically every type of business, employees often describe their workplace as constantly changing. It may be because competition alters their employer’s course. Or new upper- or middle-level management personnel come on the scene. Sometimes it is technology, designed to bring personal productivity, that creates personal upheaval. One thing that doesn’t change

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    ACCIDENT INSURANCE GAINS MOMENTUM

ACCIDENT INSURANCE GAINS MOMENTUM

ACCIDENT INSURANCE GAINS MOMENTUM Carriers upgrade products to serve a widespread need By Thomas A. McCoy, CLU Voluntary insurance executives are bullish on accident insurance, and their companies are backing them up by introducing new accident product enhancements. It’s free enterprise at its best—a sales opportunity breeding competition, creating more choices and product upgrades, and better ways to serve customers. “The accident market is seeing more policies that provide greater

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    CRITICAL ILLNESS: GROWING AND EVOLVING

CRITICAL ILLNESS: GROWING AND EVOLVING

CRITICAL ILLNESS: GROWING AND EVOLVING Product’s growth is driven by employee financial needs and employer concern By Len Strazewski Heart attack, cancer, stroke and long-term degenerative diseases like Alzheimer’s and HIV infection are among the most expensive diseases to treat, and employees with high-deductible health plans (HDHP) may face an unexpected problem: They may not be able to afford their deductibles and co-pays when they have a need. Critical illness

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