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The Rough Notes Company Inc.

Benefits Lead

    FROM WELLNESSTO WELL-BEING

FROM WELLNESSTO WELL-BEING

FROM WELLNESSTO WELL-BEING Today’s employer, agent and insurer focus goes beyond traditional wellness programs By Len Strazewski Biometric screenings, on-site clinics, and health plan discounts are the familiar tools of employer wellness programs. But as the COVID-19 pandemic drove many employees to work at home, fewer workers lost easy access to on-site employer services and programs. As a result, employers, agents and their insurers are developing a broader approach, focusing

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    BENEFITS AGENCY: DRIVEN BY DATA

BENEFITS AGENCY: DRIVEN BY DATA

Capitalizing on Benefits   By Len Strazewski Employee benefits is a numbers game—based on headcounts, claims statistics, and data analysis. But customer service and community engagement are what wins the game at WalkerHughes Insurance agency, based in Indianapolis, Indiana. Specializing in public entities, agri-business, manufacturing, and food service,the agency was founded as a property/casualty specialist that maintains a hometown relationship to its customers. But over the last few years, the

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    HOSPITAL INDEMNITY INSURANCE

HOSPITAL INDEMNITY INSURANCE

HOSPITAL INDEMNITY INSURANCE Agents and brokers find a hungry audience for this rapidly evolving product By Len Strazewski Hospitals are jammed, intensive care unit beds are full, and the COVID-19   epidemic has us more sensitive than ever to the need for and cost of hospital healthcare. Major medical insurance pays many of the healthcare charges associated with hospitalization, but many expenses are not covered by traditional health insurance. Hospital indemnity

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    STOP LOSS INSURANCE

STOP LOSS INSURANCE

STOP LOSS INSURANCE Challenges from the COVID-I9 pandemic stimulate innovations in the market By Len Strazewski It should have caused a free fall of medical expenses. The COVID-19 pandemic has killed more than 600,000 in the United States and has put many more in intensive care units. But the millions in medical claims did not break the backs of self-funded employers. Instead, medical claims actually went down in 2020, insulating

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    NONTRADITIONAL, EXCEPTED-BENEFITS HEALTH PLANS

NONTRADITIONAL, EXCEPTED-BENEFITS HEALTH PLANS

NONTRADITIONAL, EXCEPTED-BENEFITS HEALTH PLANS How they can benefit your clients and your business By Michael S. Fawcett Insurance agents and brokers know how difficult it is for their smaller business clients to afford even the most basic health insurance coverage for their employees. Unfortunately, this scenario is not going away—especially with the aftermath of the COVID-19 pandemic. According to a leading organization of human resources professionals, average employer health plan

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