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The Rough Notes Company Inc.

Benefits & Financial Services

    A Look at Self-insurance & Medical Stop Loss

A Look at Self-insurance & Medical Stop Loss

Brokers finding opportunities to attract and keep employer business on the books Self-insurance turns the traditional healthcare reimbursement system upside down by shifting responsibility for a lot of healthcare expenses away from the insurance company and onto employers. Employees in high-deductible health plans can relate. In both HDHPs and self-insured plans, there is a trade-off where one party—the employee or employer—receives a savings in exchange for paying the more predictable

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    ACA IS CORNERSTONE OF AGENCY’S EMPLOYEE BENEFITS GROWTH

ACA IS CORNERSTONE OF AGENCY’S EMPLOYEE BENEFITS GROWTH

CAPITALIZING ON BENEFITS Whatever the changes in the ACA, Meyers Glaros Group anticipates continued benefits growth The Affordable Care Act, with all of its regulations and requirements, hangs like a thread in the Republican Congress; but regardless of its future, the employee benefits business at Meyers Glaros Group in Schererville, Indiana, is likely to grow. With the original passage of the Obamacare law in 2010, employee benefits sales and consulting

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    The Dam Is About to Burst!

The Dam Is About to Burst!

Risk Management Making good risk decisions with the information at hand This past February some 200,000 people were warned to grab what they could and head for higher ground or risk being swept away by the collapse of the Oroville Dam, California’s second largest dam and the tallest in the United States. This catastrophe could have unleashed a 30-foot wall of water that would have swallowed up the towns and

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    TIME IS RIGHT FOR ID THEFT PROTECTION

TIME IS RIGHT FOR ID THEFT PROTECTION

Greater awareness and increased risks create growth opportunities in voluntary and core benefits markets If your agency doesn’t offer customers a chance to protect their identities—or those of your business customers’ employees—you may be missing an opportunity not only for some added revenue, but also a chance to boost client retention. According to market experts, identity theft protection is an easy sell to employers and employees and the time to

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    CRITICAL ILLNESS–A KEY VOLUNTARY PRODUCT

CRITICAL ILLNESS–A KEY VOLUNTARY PRODUCT

Critical illness sales opportunities rise along with the growth of high-deductible healthcare plans Critical illness insurance (CI) continues to ride the wave of voluntary benefits success. At Sun Life Financial, critical illness sales in the workplace have been averaging 30% annual growth for the past three years, a rate the company expects to maintain for the next three or four years. Unum, another key player in the market, also has

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