Please set up your API key!

The Rough Notes Company Inc.

Benefits Lead

    STOP LOSS: NEW OPTIONS FOR SMALLER EMPLOYERS

STOP LOSS: NEW OPTIONS FOR SMALLER EMPLOYERS

Stop-loss insurers help small to medium-sized companies self-fund their benefits A generation ago, large corporations realized that they could reduce their health benefits costs by paying their own medical claims—usually with the help of a third-party administrator or administrative services provided by experienced health insurers. Self-funding became one of the most common cost containment tools for companies with good cash flow and a consistent claims history. Stop-loss insurance, coverage for

Read Full Article
    THE POWER  OF TWO

THE POWER OF TWO

P-C agency teams up with benefits expert to meet clients’ needs Build a base of experience and a strong reputation. Then let youthful energy drive the future. It’s a natural cycle that invigorates agency operations and introduces them to a new generation. For example, Carlisle Insurance in Corpus Christi, Texas, has spent the last five years creating a solid base of employee benefits business that both supplements and energizes its

Read Full Article
    ACCIDENT COVERAGE HAS BROAD APPEAL

ACCIDENT COVERAGE HAS BROAD APPEAL

Product serves vital need in high deductible health plans As  deductibles in employer  health plans continue to rise, employees are increasingly vulnerable to the financial consequences of accidents. Many live paycheck-to-paycheck and can ill afford to self-insure the accident risk; those who do manage to save money do so for vital purposes, such as educating children or their own retirement. Accident-related expenses can seriously derail those plans. This below-the-deductible gap

Read Full Article
    CANCER INSURANCE

CANCER INSURANCE

With a 50% chance for men and 33% chance for women developing cancer, perhaps it’s time to discuss this exposure with your clients Recent American Cancer Society (ACS) data show that, for nearly all types of cancer, survival rates are higher—some dramatically so—than they were in prior years. But despite progress, ACS models project that, this year, we’ll still see nearly 1.7 million new cancer cases diagnosed and more than

Read Full Article
    EMPLOYEES SEEK WORK/PERSONAL LIFE INTEGRATION

EMPLOYEES SEEK WORK/PERSONAL LIFE INTEGRATION

Mercer study looks at HR’s challenges and opportunities Earlier this year, Mercer published its 2017 Talent Trends study—a sweeping examination of what employees value and what employers are doing to attract the workers they want. It comes at a crucial time because, according to the study, 43% of C-suite executive respondents and 34% of HR professionals agree that competition for talent will continue to increase this year. One of four

Read Full Article