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Benefits Lead

    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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    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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    RESOLVE TO STRENGTHEN YOUR BENEFITS BUSINESS

RESOLVE TO STRENGTHEN YOUR BENEFITS BUSINESS

RESOLVE TO STRENGTHEN YOUR BENEFITS BUSINESS Wellness benefits deliver a healthier and more productive workforce By Michelle White It’s possible that you’ve already forgotten about some of those New Year’s resolutions. If you’re like many Americans, you probably aspired to eat healthier, get more exercise and save more money. None of those goals has a straight line to the traditional benefits programs you bring your clients. After all, having health

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    ACCIDENT INSURANCE TODAY

ACCIDENT INSURANCE TODAY

ACCIDENT INSURANCE TODAY Higher deductibles and other factors drive continued interest in this increasingly important protection By Len Strazewski The higher the deductible, the more likely it is that employees may not be able to pay all they owe under contemporary high-deductible health plans (HDHPs). And as corporate health insurance premiums continue to increase, more employers are switching to HDHPs. How can agents and brokers help corporate clients protect their

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