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Benefits Lead

    NEW DIRECTIONS IN DENTAL AND VISION BENEFITS

NEW DIRECTIONS IN DENTAL AND VISION BENEFITS

Experts note plan enhancements and a move toward the voluntary market When a molar starts to throb in the middle of the night, suddenly dental insurance jumps from a minor paragraph in the benefits booklet to a godsend. And when aging eyes cause someone to fail a driver’s test for the first time, an employer-paid eye exam may help solve the problem. Dental and vision care are among the oldest

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    DISABILITY INSURANCE FOR THE SANDWICH GENERATION

DISABILITY INSURANCE FOR THE SANDWICH GENERATION

This income protection coverage can deliver peace of mind and help with family caregiving costs May is Disability Insurance Awareness Month, making it a great time to talk with clients about the value of individual disability insurance (IDI) policies and benefits. To help catch the attention of clients in the sandwich generation, it makes sense for agents and brokers to consider highlighting the new family caregiving benefits some policies are

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    SELF-FUNDED HEALTH PLANS PUT EMPLOYER IN CONTROL

SELF-FUNDED HEALTH PLANS PUT EMPLOYER IN CONTROL

Stop-loss insurer Sun Life provides a wide range of backup services Healthcare costs continue their relentless climb. A recent report from PwC’s Health Research Institute forecasts 6.5% growth in overall U.S. medical costs in 2018, which it says would be the largest increase since 2015. The Center for Medicare and Medicaid Services projects that, by 2025, healthcare spending will reach 20% of GDP, but then who can really project all

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    GALLAGHER’S DATA-DRIVEN STRATEGY

GALLAGHER’S DATA-DRIVEN STRATEGY

Benefits Products & Services Benchmarking survey supports holistic consulting “Employers ask us all the time, ‘What else should we be thinking about?’” says William F. Ziebell, president of Gallagher Employee Benefits Consulting and Brokerage. That’s because employers have come to think of Gallagher as doing more than placing benefits business, he says. Gallagher’s holistic approach to benefits consulting includes advice on a wide range of operational and HR practices. “The

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    CRITICAL ILLNESS: NEW COVERAGE OPTIONS MEET EVOLVING NEEDS

CRITICAL ILLNESS: NEW COVERAGE OPTIONS MEET EVOLVING NEEDS

Sales of the product are rising, with opportunities for agents and brokers Everyone fears the big three: heart attack, stroke and cancer—and those serious medical conditions account for 70% to 90% of claims filed under critical illness insurance products, underwriters say. But critical illness insurance, sold primarily as a supplemental voluntary benefit, is evolving rapidly, covering more illnesses to fill the expanding gaps in employer-paid medical benefits. “Employee deductibles have

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