LARGE IS NOT THE NEW SMALL: MOVING DOWNSTREAM TO SMALLER CLIENTS

Size: px
Start display at page:

Download "LARGE IS NOT THE NEW SMALL: MOVING DOWNSTREAM TO SMALLER CLIENTS"

Transcription

1 LARGE IS NOT THE NEW SMALL: MOVING DOWNSTREAM TO SMALLER CLIENTS

2 WHO AM I???

3 ZRA is a boutique market research firm specializing in financial services. We have talked to thousands of brokers, benefits professionals and consumers across the country ME ME ME ME ME ME ME ZRA ME ME YOU ARE HERE

4 FOUR THEMES THAT AFFECT SMALLER BUSINESSES ( employees): Cost is king Small businesses have no mature HR function You will be expected to do it all No formal process to find out what employees want

5 THE BEGINNING: WHY DO EMPLOYERS BIG OR SMALL PROVIDE BENEFITS?

6 Reasons for offering attractive benefits packages: Employees expect it Ownership philosophy is to take good care of employees Healthy employees are more productive Employers provide benefits to attract and retain talented employees, but they have to balance that goal with their bottom line. In a Select Broker s Own Words Probably, with the way things are going, less and less will be offered or contributed as an employer.

7 However small companies are getting beaten up by rising health costs, causing them to reconsider how much they can continue to spend on benefits. More small companies are: Eliminating benefits Reducing coverage Increasing premium contributions and co-pays Moving to consumer driven healthcare options with very high deductibles

8 Attitudes About Employer-Paid Medical Insurance 65% 52%

9 Health Care Reform has intensified conversations related to health benefits among small employers because for many smaller companies, the public exchanges could provide employees a place to buy health insurance. In an EBM s Own Words When the information comes out on the exchange, we ll sit down and compare apples to apples. Will it be beneficial to our employees to get on the exchange and pick what they want? We ll pay the penalty we ll give them a bump in salary and say, You re on your own.

10 VOLUNTARY BENEFITS WHY ARE THEY OFFERED?

11 Smaller employers look at voluntary benefits as an opportunity to add value to the benefits package without adding cost or administrative hassle to the employees or the company. Some offer some ancillary or voluntary coverage and would expect to continue to do so, even if they were to eliminate health insurance plans. In Brokers Own Words You would still need some kind of benefit package to attract employees. It is not unusual at all to walk into an organization in this day and age where you find people with a line of voluntary coverage or multiple lines. Whereas, even five years ago, you didn t find it nearly to the degree that you do today.

12 VOLUNTARY BENEFITS IS THERE A NEED AMONG SMALLER EMPLOYERS?

13 ABSOLUTELY YES!! The employee market is often neglected and/or underserved regarding voluntary products. HOWEVER

14 Human resources departments tend to be small, less professional and overworked. Often an owner makes decisions about benefits. Small employers resist voluntary products because of the additional administration and communication. Voluntary products can mean more work in dealing with enrollments, billing, payroll deduction, and claims. Smaller companies do not have the time, the money or the resources to purchase or develop systems or programs to help them administer voluntary products. In a Broker s Own Words The pain is when you go into an employer that has 50, 75, 100 or 200 employees. A lot of times, you have a single person who does not only payroll but HR, accounts receivable, accounts payable. You go in and you say, I want to put in a new product here, she s going to look at you like, I m going to kill you if you even think about it.

15 Most Time-Consuming Tasks: Ranked in Top 4 Tasks Causing Job Dissatisfaction: Ranked in Top 4 Payroll Employee questions Monthly employee billing

16 When selecting which voluntary benefits to offer, it is unusual for an employee survey to be done, which is typical in bigger companies. Often the owner(s) of smaller companies decide with their gut or by using word-of-mouth type information.

17 Generally life insurance, longterm disability, and short-term disability are first tier voluntary products. Followed by traditional worksite benefits like critical illness and cancer insurance. Going in with too many products will quickly overwhelm smaller companies. Many brokers say they come in with Disability or Life then introduce another voluntary product the following year--if the first year was successful.

18 Preferred methods of communicating with employees include in-person meetings with HR staff and/or carrier reps, lunch and learns, and hardcopy packages. In a Select Broker s Own Words We do Lunch and Learns. Any of you that have CIGNA, those are great, and free. Employees love them. Various topics Just having those to move us towards that wellness program.

19 The enrollment process itself can be difficult. In small companies the HR staff collects the paper applications and enters them into a spreadsheet or other program for the carrier s use. This can be very labor intensive. In a Broker s Own Words I think the biggest barrier historically has always been the enrollment process, and it s both the enrollment and billing process and a lot of companies are these days running fairly lean as far as their HR staff goes so anything that s perceived to be labor intensive on their part can be ignored.

20 After the initial data collection in the enrollment process the role of the broker is varied, BUT.be prepared to do it all or partner. In Brokers Own Words We set up all that for them. We setup the deduction register, the deduction reports for them. We audit their monthly billings. We actually apply the premiums to the carriers that we use so we take that burden off of them. When we work with a Unum or a Colonial they have their own benefit enrollment folks When they do the enrollment and bring their laptops and sit with the employees and sign them up and then send a spreadsheet to the employer, it goes like clockwork.

21 Expectations for service on voluntary products include: Problems solved quickly and the first time Flexibility in providing employers the administrative service they need in the format they need it (e.g., a variety of enrollment strategies, electronic or paper billing, etc.) Accurate billing and flexibility to match up with payroll cycles for employers Materials produced quickly and as needed Claims handled quickly and accurately with minimal HR or producer involvement In a Broker s Own Words Problems are always going to happen, especially when you have a claim. If the company rep could help get that problem solved quickly, then he proves his worth to me.

22 WHO IS OFFERING VOLUNTARY BENEFITS?

23 Due to the increase in interest among small employers, more carriers and brokerages are entering the voluntary products market, including traditional medical carriers. More producers, including big national brokerages, are entering because: The cuts that small employers are being forced to make in their core benefits. They are trying to protect themselves from the possibility of lower commissions and revenues due to Health Care Reform Expectations that health care reform will lead some small employers to drop core health insurance coverage. In a Broker s Own Words I see a lot more companies who are jumping into the voluntary market that I have to compete against since health care reform Five years ago we hardly ever saw big brokers. They dealt with the major medical, primarily, maybe dental and vision, but they weren t as concerned with the cancer, critical illness and these other types of products. Today they are

24 Brokers value carriers who are willing to be flexible with participation requirements or guaranteed issue amounts. In a Broker s Own Words Ideally, those who sell all lines prefer to work with a single carrier for core and voluntary, whenever possible. This makes for easier enrollment and billing, consistency of communication and ease of administration. Once voluntary insurance is sold to the employees, it is very rarely moved unless the employer experiences a significant problem with claims or billing. We will try to work with the core carrier that already has the employer s paid coverage if they can offer it. If they can t then we ll go to these other markets that might specialize in voluntary benefits but it certainly would be a preference of mine and most of my clients if we could work with our core carrier.

25 WHAT DOES THIS MEAN WHEN WORKING WITH Cigna?

26 Products sold alongside When are decisions made Short-term Ancillary Products Same time as medical Long-term Supplement to Medical (replace dual option) Mid-year / off-cycle (sold with 18 month rates) Selling advantages Quality/Value of individual products Integration with medical/other products (word holistic used a lot)

27 How administered Short-term Same name, different systems Long-term Same enrollment/invoices (with less forms required) How positioned externally Financial piece-of-mind or for the unexpected Quality of life/enabling individual choices (a shopping experience) Word of mouth recommendation HR to HR & Broker opinion Coworker & Friends (yelp.com, JDPower, etc) Cigna Portfolio +

28 Some specific issues selling to employers with 50 to 300 employees: Paper-driven remains the most common method of enrollment for now Electronic solutions need to be super-simple, have no cost associated and must be really easy to synch up to payroll systems Executive team (and their spouses) still sway any final decisions Employees at smaller companies are hyper-sensitive about privacy, but loudly talk among themselves HR to HR peer interactions are few, so outside knowledge about products and perceptions about different carriers is limited More employers are doing coverage comparisons with local and larger competitive employers (as they start slowly to hire) 50 minutes of the 1 hour meeting will still center around the medical coverage for now Helping out employees in time of crises either financially or otherwise is common and on a case-by-case basis but not taken lightly

unu m sm . BERNIEPORTAL A Bernard Ilea/th Production

unu m sm . BERNIEPORTAL A Bernard Ilea/th Production . BERNIEPORTAL A Bernard Ilea/th Production unu m sm INTRODUCTION Nissan North America is one of the largest employers in BerniePortal s home town of Nashville, Tennessee. It offers employees the following

More information

QUESTIONS voluntary carriers. don t want you to ask.

QUESTIONS voluntary carriers. don t want you to ask. QUESTIONS voluntary carriers don t want you to ask. How easy is your payroll-deduction process? Can you consolidate? An established payroll-deduction process will have the capability to combine multiple

More information

Seeing Through The Fog

Seeing Through The Fog Seeing Through The Fog The Top Trends in Employee Benefits in 2017 January 24, 2017 Will the webinar be recorded? Yes! (We will send you a link to the recording after the webinar). 2 Will the slides be

More information

Presented by: Chad P. Schneider Broker Development Coordinator - Aflac

Presented by: Chad P. Schneider Broker Development Coordinator - Aflac Presented by: Chad P. Schneider Broker Development Coordinator - Aflac Small Business Landscape (Fewer than 500 employees) Represent 99.7 percent of all employers Employ more than half of all private sector

More information

MANDATED ACCOUNT REVIEW IS PART OF THE LARKIN GROUP PROCESS ALSO: VOLUNTARY BENEFITS SPECIAL REPORT NOVEMBER 2014

MANDATED ACCOUNT REVIEW IS PART OF THE LARKIN GROUP PROCESS ALSO: VOLUNTARY BENEFITS SPECIAL REPORT NOVEMBER 2014 SPECIALTY LINES: THE SECURITY MARKET MARKETING: WKFC OFFERS A PLETHORA OF SPECIALTIES TECHNOLOGY: FORMER WHITE HOUSE CIO DISCUSSES CYBER SECURITY BENEFITS AGENCY: MARINE ROOTS INFLUENCES OFFERINGS AT GOWRIE

More information

The Executive s Guide To HR Outsourcing

The Executive s Guide To HR Outsourcing The Executive s Guide To HR Outsourcing HR Benefits Payroll gnapartners.com There comes a time in the journey of every successful business owner or executive when they realize their company can no longer

More information

Healthcare Reimbursement Arrangement

Healthcare Reimbursement Arrangement Healthcare Reimbursement Arrangement Presented By: Adam M.J. Dupuis VP of Consulting HRC Total Solutions, LLC Table of Contents Table of Contents.. 2 Background... 3 Healthcare Reimbursement Arrangement

More information

Guest Concepts, Inc. (702)

Guest Concepts, Inc. (702) Guest Concepts, Inc. (702) 998-4800 Welcome to our tutorial on the Lease End Renewal Process The process you will see here is extremely effective and has been used successfully with thousands of renewal

More information

Addendum No. 1 RFP # VOLUNTARY SUPPLIMENTAL INSURANCE PRODUCTS

Addendum No. 1 RFP # VOLUNTARY SUPPLIMENTAL INSURANCE PRODUCTS Addendum No. 1 RFP #05-113-3162 VOLUNTARY SUPPLIMENTAL INSURANCE PRODUCTS Following are the answers to questions submitted in response to the above referenced RFP as of 2:00 PM, Thursday June 30, 2005.

More information

2017 Human Resource Outsourcing (HRO) Trends Report. Industry Trends for HR Service Providers, PEOs and ASOs

2017 Human Resource Outsourcing (HRO) Trends Report. Industry Trends for HR Service Providers, PEOs and ASOs 2017 Human Resource Outsourcing (HRO) Trends Report Industry Trends for HR Service Providers, PEOs and ASOs INDEX 3 INTRODUCTION 4 HR OUTSOURCING ORGANIZATIONS HR Service Provider Size Number of Payroll

More information

Benefits Briefing VOLUME 29

Benefits Briefing VOLUME 29 Benefits Briefing VOLUME 29 Perspectives on Thought Leadership, Employee Discount Programs, and Employee Benefits Decision-Making from a Survey of Employers & Brokers (Q3, 2016) National Employee Benefits

More information

Your Local Health Plan Administrators. Your neighbors. Your best resource. RES LVE. Health Plan Administrators

Your Local Health Plan Administrators. Your neighbors. Your best resource. RES LVE. Health Plan Administrators Your Local Your neighbors. Your best resource. RES LVE RES LVE We re the new face in town. You ve probably heard the expression, The whole is greater than the sum of its parts. Resolve is a great example

More information

MetLife s 15th Annual U.S. Employee Benefit Trends Study Going beyond by looking ahead

MetLife s 15th Annual U.S. Employee Benefit Trends Study Going beyond by looking ahead MetLife s 15th Annual U.S. Employee Benefit Trends Study Going beyond by looking ahead Brokers and consultants role amidst evolving benefits landscape 2 Contents 2 Recognizing new opportunities 3 Tapping

More information

How the wrong benefits administration system can hinder efficiency and put your organization at risk AND WHAT TO DO ABOUT IT

How the wrong benefits administration system can hinder efficiency and put your organization at risk AND WHAT TO DO ABOUT IT Employee Benefits Practice Group How the wrong benefits administration system can hinder efficiency and put your organization at risk AND WHAT TO DO ABOUT IT This white paper has been reformatted and reprinted

More information

The Benefits of Online Enrollment

The Benefits of Online Enrollment The Benefits of Online Enrollment April 12, 2013 Presented By: Adam Marley amarley@isbgky.com (270) 467-1309 1750 Scottsville Rd., Suite 4 Bowling Green, KY 42104 About Us Employee Benefits Areas of Specialization

More information

PRODUCT IDEATION SAAS ACADEMY

PRODUCT IDEATION SAAS ACADEMY PRODUCT IDEATION SAAS ACADEMY PRODUCT IDEATION Perhaps you re a development agency or a design agency, and you ve been doing work for other people for awhile now. In the process you ve probably found opportunities

More information

8 Benefits of Network Marketing & Communicating Them

8 Benefits of Network Marketing & Communicating Them 8 Benefits of Network Marketing & Communicating Them If you ve been in the network marketing profession for any length of time you already know the importance of leadership. It drives momentum, customer

More information

6 Things to Ask Your Insurance Broker Before Renewing

6 Things to Ask Your Insurance Broker Before Renewing 6 Things to Ask Your Insurance Broker Before Renewing W ith renewal season just around the corner, you may be thinking about your company s health and benefits strategy and let s just say it, you re probably

More information

EMBRACING TECHNOLOGY Q&A WITH MARK SINANIAN

EMBRACING TECHNOLOGY Q&A WITH MARK SINANIAN SPEAKEASY EMBRACING TECHNOLOGY Q&A WITH MARK SINANIAN SENIOR DIRECTOR, SOLUTIONS MARKETING CANON SOLUTIONS AMERICA By Patricia Ames During a recent interview Mark Sinanian, senior director of marketing

More information

Putting non-service employees on the phones

Putting non-service employees on the phones Putting non-service employees on the phones For the article Vista Print puts its employees on the phones to Learn the Customer in the July issue of Customer Service Newsletter (CSN), editor Bill Keenan

More information

Are Payroll Companies Stealing Your Business?

Are Payroll Companies Stealing Your Business? 8 th Annual Independent Insurance Agents of Texas Are Payroll Companies Stealing Your Business? Ed Dittrich Peigo, Owner 105 Pay As You Go Workers Compensation Pay As You Go Workers Compensation 2 What

More information

How To Get Enrollments To Carriers

How To Get Enrollments To Carriers How To Get Enrollments To Carriers Nick Shober, June 9 th 2017 AGENDA 1. Let s count the ways to get enrollments to carriers 2. Create a strategy Nick Shober Director of Product Support Employee Navigator

More information

Blessed is the person who finds Wisdom, and the one who gains Understanding

Blessed is the person who finds Wisdom, and the one who gains Understanding 11/17/2009 Strategies in the Employer Market: Long Term Care Insurance Benefit Plans Mike Skiens CEBS, CLTC President MasterCare Solutions, Inc. (MGA) (800)275-4582 Blessed is the person who finds Wisdom,

More information

You ve probably signed up for our newsletters because you re a Jeweler. If you go to you ll find two descriptions for Jeweler :

You ve probably signed up for our newsletters because you re a Jeweler. If you go to   you ll find two descriptions for Jeweler : You ve probably signed up for our newsletters because you re a Jeweler. If you go to www.dictionary.com you ll find two descriptions for Jeweler : Jew-el-er - [joo-uh-ler] noun A person who designs, makes,

More information

THE ULTIMATE CUSTOMER PERSONA TEMPLATE

THE ULTIMATE CUSTOMER PERSONA TEMPLATE THE ULTIMATE CUSTOMER PERSONA TEMPLATE 1 BlueSteeleSolutions.com 1 BlueSteeleSolutions.com 940 312 7842 CONTENTS The Ultimate Customer Persona Template 3 Effective Marketing Is Tailored to a Specific Segment

More information

ViewPoint. HR Strategies That Drive C-Suite Results

ViewPoint. HR Strategies That Drive C-Suite Results ViewPoint HR Strategies That Drive C-Suite Results HR executives have long struggled to demonstrate the value of human resources at the strategic planning table, especially when HR results are often regarded

More information

Important: Please note that HealthEquity requires signed plan documents to be in place before your plan becomes active.

Important: Please note that HealthEquity requires signed plan documents to be in place before your plan becomes active. HealthEquity HRA Implementation Guide Thank you for choosing HealthEquity as the administrator for your organization s health reimbursement arrangement (HRA) plan. We look forward to working with you and

More information

Self-Funded Insurance Becomes More Mainstream; Technology All the More Important

Self-Funded Insurance Becomes More Mainstream; Technology All the More Important Self-Funded Insurance Becomes More Mainstream; Technology All the More Important Thinking of Looking at A Self-Funded Plan? Consider Your Technology Options By Chris Taylor, BeneTrac It used to be that

More information

How Startups Can Manage Benefit Costs

How Startups Can Manage Benefit Costs WHITE PAPER How Startups Can Manage Benefit Costs Get the Package You Need Without Breaking the Bank Seventy-five percent of U.S. workers consider a health plan to be the most important employee benefit

More information

PEO Purchasing Guide. Produced & Distributed by G&A Partners. 1 (888)

PEO Purchasing Guide. Produced & Distributed by G&A Partners. 1 (888) PEO Purchasing Guide Produced & Distributed by G&A Partners 1 (888) 909-7920 www.gnapartners.com/get-started PEO Purchasing Guide What is a PEO? PEO stands for Professional Employer Organization. A PEO

More information

Health Care Reform Employer Solutions

Health Care Reform Employer Solutions ADP TotalSourcE Health Care Reform Employer Solutions ADP TotalSource offers a comprehensive solution to help businesses address their HR business strategy as it relates to Health Care Reform. HR. Payroll.

More information

Health Care Reform Employer Solutions

Health Care Reform Employer Solutions ADP TotalSourcE Health Care Reform Employer Solutions ADP TotalSource offers a comprehensive solution to help businesses address their HR business strategy as it relates to Health Care Reform. HR. Payroll.

More information

In-House Payroll or Outsourced Payroll? Questions to Ask Before Deciding

In-House Payroll or Outsourced Payroll? Questions to Ask Before Deciding In-House or Outsourced Payroll Prepared by: John Burke Date Prepared: In-House Payroll or Outsourced Payroll? Questions to Ask Before Deciding In-house or Outsourced Payroll Deciding whether to process

More information

Driving the Benefits Win:

Driving the Benefits Win: BROKER AND CONSULTANT TRENDS Insights from MetLife s 14th Annual U.S. Employee Benefit Trends Study Driving the Benefits Win: Making the Most of Every Opportunity Customer-Focused Solutions Exceptional

More information

WI Towns Association. Premier Solutions Group LLC N. Main St. Racine, WI P: F: E:

WI Towns Association. Premier Solutions Group LLC N. Main St. Racine, WI P: F: E: WI Towns Association 10/09/2017 P: 262.432.5913 F: 262.619.9531 E: mac@premiersolutionsgrp.net Why Premier Solutions Group? POWERFUL STAFFING MODELS, DELIVER BOTTOM LINE RESULTS P: 262.432.5913 F: 262.619.9531

More information

Top 10 Marketing Mistakes Even the Smartest Companies Make And How You Can Avoid Them

Top 10 Marketing Mistakes Even the Smartest Companies Make And How You Can Avoid Them Top 10 Marketing Mistakes Even the Smartest Companies Make And How You Can Avoid Them By Susan LaPlante Dube & Maureen O Grady Condon, MS www.precisionmarketinggroup.com Top 10 Marketing Mistakes Even

More information

Sample Topics for HCW Presentations (Please note: each presentation can be tailored to your time requirements)

Sample Topics for HCW Presentations (Please note: each presentation can be tailored to your time requirements) Sample Topics for HCW Presentations (Please note: each presentation can be tailored to your time requirements) 1. GETTING DOWN TO BRASS TACKS: Understanding Utilization Data and What To Do With It With

More information

Helping Brokers & Consultants Grow. How employers are making better buying decisions & finding the right partners

Helping Brokers & Consultants Grow. How employers are making better buying decisions & finding the right partners Helping Brokers & Consultants Grow How employers are making better buying decisions & finding the right partners 1 Will the webinar be recorded? Yes! We will send you a link to the recording after the

More information

OUR OBJECTIVE. YOU WILL LEARN: How to choose the right model for your business and price your products or services

OUR OBJECTIVE. YOU WILL LEARN: How to choose the right model for your business and price your products or services YOUR BUSINESS OUR OBJECTIVE YOU WILL LEARN: How to choose the right model for your business and price your products or services LESSON 1 OVERVIEW The 3 Revenue Multipliers The pros + cons of the 3 primary

More information

Finding the Right PEO for Your Business

Finding the Right PEO for Your Business Table of Contents 3 4 5 6 7 Introduction Why Choose a PEO? How Does a PEO Work? Is a PEO Right for Your Business? Finding the Right PEO for Your Business Overview: Instead of spending time on administrative

More information

Building a Complete HR Solution with EaseCentral. A guide to becoming a one stop shop for everything HR

Building a Complete HR Solution with EaseCentral. A guide to becoming a one stop shop for everything HR Building a Complete HR Solution with EaseCentral A guide to becoming a one stop shop for everything HR TABLE OF CONTENTS 1. Introduction 03 2. The Broker-Employer Relationship 05 3. Components: The Complete

More information

Payroll Services Buyer's Guide By the purchasing experts at BuyerZone

Payroll Services Buyer's Guide By the purchasing experts at BuyerZone Introduction No matter how meticulous and experienced you are, handling payroll can be a headache. Add in the stress of potentially stiff penalties for tax filing omissions, and you re left with a financially-induced

More information

Insperity Channel Partner. More Time

Insperity Channel Partner. More Time Insperity Channel Partner More Time For Members Create a better member experience when you tap into Insperity s HR services, now with more options to fit the specific needs of the club industry. Overview

More information

Your guide to being a Super Agent.

Your guide to being a Super Agent. Your guide to being a Super Agent. An introduction to Humana. GCHHBXEHH FOR AGENT USE ONLY. Channel your Super Agent selling powers. It s a suit. It s a shirt. Yep, it s you Super Agent. When you team

More information

Your Business. with. Inbound Marketing

Your Business. with. Inbound Marketing Your Business with Inbound Marketing Table of contents So What is Inbound Marketing? Is it Just a Fad? Inbound marketing in a nutshell What inbound marketing can do for your business? But is inbound marketing

More information

OMG! We re Thinking of Moving to a Private Health Care Exchange What Do I Tell My Employees? July 16, 2014

OMG! We re Thinking of Moving to a Private Health Care Exchange What Do I Tell My Employees? July 16, 2014 OMG! We re Thinking of Moving to a Private Health Care Exchange What Do I Tell My Employees? July 16, 2014 Agenda How Did We Get Here? Private Exchange 101 Telling Your Story The Employee Experience Nuts

More information

Eligibility. I am an active employee and I my spouse is retired. Is my spouse eligible to receive the $3,000 HRA contribution?

Eligibility. I am an active employee and I my spouse is retired. Is my spouse eligible to receive the $3,000 HRA contribution? These Frequently Asked Questions are intended to help you better understand the transition of pre-medicare retirees and their spouses from Lubrizol-sponsored retiree health coverage to the Health Reimbursement

More information

RFP No HAWS. Addendum #2. Revision No. Two AUTOMATED PAYROLL SERVICES

RFP No HAWS. Addendum #2. Revision No. Two AUTOMATED PAYROLL SERVICES Addendum #2 DESCRIPTION OF ADDENDUM. Revision No. Two AUTOMATED PAYROLL SERVICES This Addendum is to provide notice of changes to the RFP and answers to questions received from prospective proposers. RFP

More information

Jennifer Polini Keeping Promises Since 2016 (732)

Jennifer Polini Keeping Promises Since 2016 (732) Jennifer Polini Keeping Promises Since 2016 (732) 710-6764 jpolini@extensisgroup.com We Work Exclusively with Insurance Brokers Thank you for the opportunity to introduce you to Extensis, the fastest growing

More information

Welcome to Benefits Open Enrollment July 1, 2013 to June 30, Human Resources

Welcome to Benefits Open Enrollment July 1, 2013 to June 30, Human Resources Welcome to Benefits Open Enrollment July 1, 2013 to June 30, 2014 Human Resources 312-534-5360 1 HR Contacts Chris Cannova Director of Personnel Services, 312-534-8349 Human Resources Fred Van Den Hende

More information

Why Do So Many Online Businesses Fail?

Why Do So Many Online Businesses Fail? Why Do So Many Online Businesses Fail? Why do online businesses fail? This question isn t easy to answer. More often than not, there are multiple factors that prevent online businesses from turning a profit,

More information

Where Do We Go From Here? Prospering in a Post Health Care Reform World

Where Do We Go From Here? Prospering in a Post Health Care Reform World Where Do We Go From Here? Prospering in a Post Health Care Reform World Findings from the 2011 MetLife Broker and Consultant Study Date : September 26,2011 Ronald Leopld MD, MBA, MPH Metropolitan Life

More information

Kerry s Insurance Services. If you re just starting out, you absolutely need FSC Rater. You d be crazy to try to go without it.

Kerry s Insurance Services. If you re just starting out, you absolutely need FSC Rater. You d be crazy to try to go without it. success story Kerry s Insurance Services Company snapshot Founded in 2010, Kerry s Insurance Services offers affordable home, auto, life, and commercial insurance to clients in Palmdale, California and

More information

A CLIENT S GUIDE WHERE TO START WHAT HAPPENS ON SITE WHAT ARE THE BENEFITS. 10 Advantages of. Design Build

A CLIENT S GUIDE WHERE TO START WHAT HAPPENS ON SITE WHAT ARE THE BENEFITS. 10 Advantages of. Design Build A CLIENT S GUIDE WHERE TO START WHAT HAPPENS ON SITE WHAT ARE THE BENEFITS 10 Advantages of Design Build WHERE TO START Welcome. I prepared this guide after seeing so many people struggle with understanding

More information

By Thomas G. Dolan. What do you do if you ve done everything right, but you still haven t come up with a safety program that really works?

By Thomas G. Dolan. What do you do if you ve done everything right, but you still haven t come up with a safety program that really works? By Thomas G. Dolan What do you do if you ve done everything right, but you still haven t come up with a safety program that really works? Yes, there is a commitment from upper management, which is willing

More information

AGENDA. 1. Market Overview. 2. Employee Navigator s Marketplace. 3. Product Demo. 4. Open Forum Q&A

AGENDA. 1. Market Overview. 2. Employee Navigator s Marketplace. 3. Product Demo. 4. Open Forum Q&A AGENDA 1. Market Overview 2. Employee Navigator s Marketplace 3. Product Demo 4. Open Forum Q&A What is preventing brokers from digitizing their book of business? Ben Admin is More Work It s time consuming

More information

WELLNESS TREND REPORT

WELLNESS TREND REPORT WELLNESS TREND REPORT 1 INTRODUCTION Workplace wellness programs are hardly the novelty they once were. They ve become a common part of our health-conscious culture, though just what those programs look

More information

BENEFIT ADMINISTRATION

BENEFIT ADMINISTRATION Volume Nineteen, Issue One January 2016 BENEFIT ADMINISTRATION Many organizations are trying to comply with the new employer reporting requirements. However, even organizations using outside vendors for

More information

Enhanced Customer Experience HR & Employee Benefits

Enhanced Customer Experience HR & Employee Benefits Enhanced Customer Experience HR & Employee Benefits When you turn to SBAM for help with complicated and expensive human resource and employee benefits programs, you re joining an organization who understands

More information

TECHNOLOGY READINESS ASSESSMENT

TECHNOLOGY READINESS ASSESSMENT TECHNOLOGY READINESS ASSESSMENT SOLUTION TOOL 2 TECHNOLOGY AND YOUR BENEFIT PLAN Over the past few years, the health insurance market has exploded with technology platforms designed to make the operations

More information

Legal Disclaimer. Page 2

Legal Disclaimer. Page 2 Page 1 Legal Disclaimer All contents provided are copyright The Super Affiliate Network and Misha Wilson. The information contained in The 7 Deadly Sins of Internet Marketing, and its several complementary

More information

Recruitment, Retention, and Other Personnel Issues in N.C. Local Governments

Recruitment, Retention, and Other Personnel Issues in N.C. Local Governments Public Policy Institute s 2014 Local Government Survey Results HUMAN RESOURCE PRACTICES OF NORTH CAROLINA MUNICIPAL & COUNTY GOVERNMENTS EXECUTIVE SUMMARY In 2014 the Public Policy Institute (PPI) at Western

More information

Employee Navigator/BenefitMall Payroll Integration. Names

Employee Navigator/BenefitMall Payroll Integration. Names Employee Navigator/BenefitMall Payroll Integration Names House-Keeping Session is being recorded Reminder: Employee Navigator s users conference is 50% sold-out We love your questions, it makes us feel

More information

Unum Ensures Its Own Success With HubSpot

Unum Ensures Its Own Success With HubSpot Unum Ensures Its Own Success With HubSpot Employee benefits provider Unum wanted to get smarter about its inbound marketing and was looking for a system that could help it do just that. It decided to trial

More information

Inc 5000 Agency 2016, 2015 and MARKETING HACKS FOR MULTI-LOCATION COMPANIES

Inc 5000 Agency 2016, 2015 and MARKETING HACKS FOR MULTI-LOCATION COMPANIES Inc 5000 Agency 2016, 2015 and 2014 6 MARKETING HACKS FOR MULTI-LOCATION COMPANIES 1 While admittedly the term marketing hack has been overused in recent years, the practice and premise behind the term

More information

New Research Reveals the Business Value of Strategic Benefits Planning EMPLOYEE BENEFITS BAROMETER 2018:

New Research Reveals the Business Value of Strategic Benefits Planning EMPLOYEE BENEFITS BAROMETER 2018: EMPLOYEE BENEFITS BAROMETER 2018: New Research Reveals the Business Value of Strategic Benefits Planning HUB International s annual research study reveals the top priorities of today s HR professionals,

More information

Food for thought: Are you prepared for Industry 4.0?

Food for thought: Are you prepared for Industry 4.0? Food for thought: Are you prepared for Industry 4.0? - [Speaker 1] Welcome to Food For Thought, a podcast series designed to bring you bite-sized information on the latest trends and hot topics within

More information

All-in-one HR + Benefits + Payroll

All-in-one HR + Benefits + Payroll All-in-one HR + Benefits + Payroll About Rise People Our goal at Rise People is to help small businesses save money, time, and resources with our automated, super-efficient HR, benefits & payroll solution.

More information

Food for thought: Are you prepared for Industry 4.0?

Food for thought: Are you prepared for Industry 4.0? Food for thought: Are you prepared for Industry 4.0? Speaker 1: Welcome to Food For Thought, a podcast series designed to bring you bite sized information on the latest trends and hot topics within the

More information

The easiest to use all-in-one HR and benefits platform for businesses

The easiest to use all-in-one HR and benefits platform for businesses + The easiest to use all-in-one HR and benefits platform for businesses www.goco.io Experience all-in-one HR and Benefits designed to delight GoCo brings together everything you need to handle your HR

More information

Strategic Partnership

Strategic Partnership Strategic Partnership DIGITAL INSURANCE FINALIZES SUCCESSFUL ACQUISITION BY FIDELITY NATIONAL FINANCIAL INC. Digital Insurance, a Leader in Advisory Services and Health Care Reform Education for Small

More information

How to Select the Best Digital Marketing Agency

How to Select the Best Digital Marketing Agency How to Select the Best Digital Marketing Agency 9 key selection criteria to live by when choosing a digital marketing partner. Disclaimer The information contained within this whitepaper is the opinion

More information

MAXIMIZE PROFITS VAR BUSINESS

MAXIMIZE PROFITS VAR BUSINESS HOW TO MAXIMIZE PROFITS IN A LOW MARGIN VAR BUSINESS Introduction With each passing day, VAR business is getting more and more competitive. As a result, margins have shrunk considerably which has reduced

More information

Up2Date Bookkeeping Plus Payroll Package. Please Click Below for a Video Demo of the Bookkeeping Spreadsheet

Up2Date Bookkeeping Plus Payroll Package. Please Click Below for a Video Demo of the Bookkeeping Spreadsheet Up2Date Bookkeeping Plus Payroll Package Please Click Below for a Video Demo of the Bookkeeping Spreadsheet Please Click Below for a Video Demo of the Payroll Spreadsheet Description The Plus payroll package

More information

Managerial Economics Prof. Trupti Mishra S. J. M. School of Management Indian Institute of Technology, Bombay

Managerial Economics Prof. Trupti Mishra S. J. M. School of Management Indian Institute of Technology, Bombay Managerial Economics Prof. Trupti Mishra S. J. M. School of Management Indian Institute of Technology, Bombay Lecture - 2 Introduction to Managerial Economics (Contd ) So, welcome to the second session

More information

Support Your Drivers Health and Financial Well-Being

Support Your Drivers Health and Financial Well-Being TRANSPORTATION INDUSTRY GUIDE 1: Support Your Drivers Health and Financial Well-Being Two key strategies to help attract the best drivers and keep them safe, healthy and productive Advocacy Tailored Insurance

More information

The DealerRater Guide to Online Reviews: LEVERAGING REVIEWS FOR A COMPETITIVE EDGE

The DealerRater Guide to Online Reviews: LEVERAGING REVIEWS FOR A COMPETITIVE EDGE The DealerRater Guide to Online Reviews: LEVERAGING REVIEWS FOR A COMPETITIVE EDGE EXECUTIVE SUMMARY Online reviews are the new word of mouth. A positive online review of your dealership causes a ripple

More information

Speaker Remarks Pam Hall, President, Normandeau Associates, Inc EMPLOYEE OWNERSHIP MOTIVATING AND DEVELOPING EMPLOYEE OWNERS

Speaker Remarks Pam Hall, President, Normandeau Associates, Inc EMPLOYEE OWNERSHIP MOTIVATING AND DEVELOPING EMPLOYEE OWNERS Speaker Remarks Pam Hall, President, Normandeau Associates, Inc EMPLOYEE OWNERSHIP MOTIVATING AND DEVELOPING EMPLOYEE OWNERS To get the full value of joy, you must have people to divide it with --Mark

More information

WHAT S INSIDE. About MetLife... 2 Why MetLife?... 3 Employee Benefits Sales Academy... 4 Future Opportunities... 6

WHAT S INSIDE. About MetLife... 2 Why MetLife?... 3 Employee Benefits Sales Academy... 4 Future Opportunities... 6 WHAT S INSIDE About MetLife... 2 Why MetLife?.... 3 Employee Benefits Sales Academy.... 4 Future Opportunities... 6 2 ABOUT METLIFE With over 140 years of experience, MetLife is a leading global provider

More information

Compensation (Re)Design for Law Firms

Compensation (Re)Design for Law Firms Compensation (Re)Design for Law Firms Edited by Soo Darcy Chapter 2: Trends in partner compensation By August J. Aquila, CEO of Aquila Global Advisors LLC The economic downturn that started in 2008 had

More information

Where CRM Falls Short

Where CRM Falls Short Where CRM Falls Short Understanding the Problem Lead Management Facts Resistance is Futile Building a Monster Building vs. Buying a Solution Understanding the Problem Big and small companies that rely

More information

The state of health benefits for small businesses

The state of health benefits for small businesses GUSTO REPORT: The state of health benefits for small businesses Offering health benefits is one of the most important and overwhelming milestones a small business owner will ever experience. It s expensive,

More information

Introducing Employee Navigator s Marketplace

Introducing Employee Navigator s Marketplace Introducing Employee Navigator s Marketplace January 2016 Housekeeping 1. What is the marketplace? Agenda 2. Why is it important? 3. Connecting with our partners 4. Demo 5. Getting your partners integrated

More information

Frequently Asked Questions Paychex ESR Services

Frequently Asked Questions Paychex ESR Services Frequently Asked Questions Paychex ESR Services Table of Contents Overview of Employer Shared Responsibility (ESR) Provisions 1. What is Employer Shared Responsibility? 2. When do the ESR provisions go

More information

Happy Employees Have Telemedicine

Happy Employees Have Telemedicine Happy Employees Have Telemedicine TABLE OF CONTENTS 1. Introduction 03 2. What is Telemedicine? 04 3. The Benefits are Just too Good 06 4. Get Coverage, Make it a Success 11 5. Coverage Options for You

More information

Measure the Right Metrics

Measure the Right Metrics Measure the Right Metrics It was an interesting conversation. The manager argued that it was the number of faceto-face visits and amount raised that matters in measuring MGO performance, and we took the

More information

Benefits Technology. Integrated Platforms. Health Brokers. Service. HAPPY Client!!! - Jay Butcher Benefits Selling Expo

Benefits Technology. Integrated Platforms. Health Brokers. Service. HAPPY Client!!! - Jay Butcher Benefits Selling Expo Health Brokers Benefits Technology Service Integrated Platforms HAPPY Client!!! - Jay Butcher Benefits Selling Expo April 8, 2011 Introduction Jay Butcher Managing Partner, Netchex Benefits jbutcher@netchexonline.com

More information

Contract Review and Negotiation Strategy HealthShare LMS for RMC

Contract Review and Negotiation Strategy HealthShare LMS for RMC HEALTHSTREAM Contract Review and Negotiation Strategy HealthShare LMS for RMC Matt Valentine 12/7/2012 Contents Vendor Contract Review... 2 Negotiations... 7 Source Code Escrow... 9 Warranty... 9 BATNA...

More information

Even if you wanted to see what other options were out there, what metrics would you use to choose the right partner?

Even if you wanted to see what other options were out there, what metrics would you use to choose the right partner? INTRODUCTION We get it. There are so many health benefit brokers out there, and they all seem to be the same. They talk about the same things when you meet with them, their websites all look the same,

More information

ADP Workforce Now HR & Benefits

ADP Workforce Now HR & Benefits ADP Workforce Now HR & Benefits Take control of all your HR and Benefits needs with your existing payroll provider. 1 HR Management ADP has the people, processes, and technology you need to help transform

More information

Definitive Guide for Better Pricing. Build a solid pricing foundation that will help you create consistent sales and profit growth.

Definitive Guide for Better Pricing. Build a solid pricing foundation that will help you create consistent sales and profit growth. Definitive Guide for Better Pricing Build a solid pricing foundation that will help you create consistent sales and profit growth. INDEX Introduction 2 Identifying New Customers 4 Here Are Some Questions

More information

How to Set Up Your Starmark HRA

How to Set Up Your Starmark HRA How to Set Up Your Starmark HRA Setting up a Starmark HRA is easy. 1. Complete the HRA Designer, HRA Service Agreement and Business Associate Agreement you receive from your agent, and distribute the Coordination

More information

American Business Association

American Business Association BENEFIT INFORMATION A1 Savings Plus Welcome to A1 Savings Plus Thank you for enrolling in A1 Savings Plus. We hope you will find these benefits to be the perfect solution to offset the rising cost of healthcare.

More information

Grow your business 2016 Issue 10

Grow your business 2016 Issue 10 2016 ISSUE 10 CONTENTS Is it a good idea to buy your boss s business? An essential skill for successful business owners. Have you considered a Pareto analysis? Is it a good idea to buy your boss s business?

More information

877.CONEXIS ( ) Copyright 2005 CONEXIS. CX A Word & Brown Company

877.CONEXIS ( )  Copyright 2005 CONEXIS. CX A Word & Brown Company 877.CONEXIS (877.266.3947) www.conexis.org Copyright 2005 CONEXIS. CX4053.8.05 A Word & Brown Company COBRA Administrative Services The CONEXIS Solution: COBRA Compliance As a human resources professional,

More information

FINDINGS, SUGGESTIONS AND CONCLUSIONS

FINDINGS, SUGGESTIONS AND CONCLUSIONS CHAPTER 8 FINDINGS, SUGGESTIONS AND CONCLUSIONS Contents 8.1 Findings 8.2 Suggestions & Recommendations 8.3 Conclusions 8.4 Limitations of the Study 8.5 Directions for Future Research 193 CHAPTER 8 FINDINGS,

More information

SUMMARY OF SERVICES South Sherwood Forest Boulevard, Suite #111, Baton Rouge, Louisiana Phone:

SUMMARY OF SERVICES South Sherwood Forest Boulevard, Suite #111, Baton Rouge, Louisiana Phone: SUMMARY OF SERVICES 3636 South Sherwood Forest Boulevard, Suite #111, Baton Rouge, Louisiana 70816 Phone: 800-375-1000 www.groupinsuranceinc.com Who We Are Group Insurance Incorporated (GII) was founded

More information

Trends in employee health and wellness benefits

Trends in employee health and wellness benefits Trends in employee health and wellness benefits a publication of Introduction... Telemedicine... Wearable Wellness Tech... Levels of Care... 3 4 6 8 Supplemental Insurance... 11 2 TRENDS IN EMPLOYEE HEALTH

More information

Vision from a better angle. Comparing vision benefits gets easier once you know what to look for

Vision from a better angle. Comparing vision benefits gets easier once you know what to look for Vision from a better angle Comparing vision benefits gets easier once you know what to look for INTRODUCTION Vision programs can look pretty similar at first glance. But there s actually a wider difference

More information

Do You Need Benefit Administration Software? by Wes Steele February, 2019

Do You Need Benefit Administration Software? by Wes Steele February, 2019 Do You Need Benefit Administration Software? by Wes Steele February, 2019 Do You Need Benefit Administration Software? Written by Wes Steele February, 2019 CHAPTER I: BACKGROUND Introduction In the year

More information