MANDATED ACCOUNT REVIEW IS PART OF THE LARKIN GROUP PROCESS ALSO: VOLUNTARY BENEFITS SPECIAL REPORT NOVEMBER 2014
|
|
- Jasper Eaton
- 5 years ago
- Views:
Transcription
1 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 3523(57< 3523(57< &$68$/7< $*(176 &$68$/7< $ $*(176 $ $* *(1&< 0$5.(7,1* (1&< 0$5.(7,1*,1685$1&( 0$5.(76,1685$1&( 0$5.(76 1 1(: 352'8&76 (: 352'8&76 NOVEMBER NOVEMBER AGENCY OF THE MONTH: MANDATED ACCOUNT REVIEW IS PART OF THE LARKIN GROUP PROCESS ALSO: VOLUNTARY BENEFITS SPECIAL REPORT
2 VOLUNTARY CONTINUES TO GAIN TRACTION IN EVOLVING BENEFITS ARENA Opportunities abound for agents and brokers By Dave Willis, CPIA For the past few years, anticipation and rollout of the Patient Protection and Affordable Care Act have captured the attention and energy of voluntary benefits providers and their partners. The act and other changes in the health care arena spell opportunity for agents and brokers who want to bring voluntary products and expertise to their commercial clients and prospects. The biggest issue right now is that employers continue to face rising medical care costs in the face of the Affordable Care Act, explains Jaede Barg, senior vice president, ACE USA. They re concerned with raising employee deductibles and coinsurance obligations while managing major medical costs. According to Rob Shestack, senior vice president and voluntary benefits national practice leader at AmWINS 52 ROUGH NOTES
3 Group, The voluntary benefits industry is growing rapidly, as brokers and agents are recommending, employers are offering, and employees are enrolling in these benefits at a record pace. He says agents and brokers are using voluntary products to fill the gaps caused by decreasing revenues in traditional health care coverage. Employees are buying these programs to gain additional coverage, Shestack notes, and employers want to provide them to improve recruitment and retention. Thomas Petersen, RHU, vice president of Petersen International Underwriters, points out that the complexity and in some cases liability of benefits is increasing and business owners want to shift some, most or all of the decisions to their employees. This is not to say employers don t want to offer benefits, he remarks, but rather it s about the decisions of what employees want. Also, there s an increasing view by employees that employers should not make decisions for them, but at the same time employees want more and more benefits. Adds Len Cavallaro, head of voluntary marketing at Reliance Standard Life Insurance Company, The task of putting together a benefits portfolio is more complex for employers and especially for employees. Both need and want advice. This is an opportunity and an obligation for agents and brokers. No longer can you squeeze an analysis onto a spreadsheet and ask the employer to pick an option. Full understanding of the myriad options and potential pitfalls requires much more adviser knowledge and effort today, he adds. The adviser who truly wants to distinguish himself through superb service must meet this challenge, and then adapt his efforts all the way to the work force, removing the employer from the position of de facto adviser to its employees. Petersen points out that employers are concerned about what more might be mandated by legislation and what added reporting might be required. These excess burdens on employers add to the shift toward more and more voluntary benefits, he notes. David Underhill, vice president of voluntary products at Cigna, also sees a relative grayness around the effects of health care reform. From a federal level there is more clarity, but each state has its own take on benefits and interpretations. That s a key challenge that will settle out over time. The advent of benefits exchanges online benefits marketplaces and their effect on the market is another issue. There are many exchanges, Underhill notes. Some are more successful than others. Five to eight years from now, how many will still be around and how many will be consolidated? Exchanges are a catalyst to move to defined contribution from defined benefits, and they ll really change how we do business. Agents and brokers need to understand how they ll bring value with these new models, Underhill adds. Customers have much more information than ever, and there s a great sense of transparency from an insurance perspective. As defined contribution exchange models combine with a movement to customer choice, agents must find a way to fit into the sales mix. Understanding what customers really want and providing solutions, rather than pushing products, is where the opportunities lie. According to Petersen, voluntary benefits are increasing in popularity across the board. This means opportunities for agents and brokers are increasing, he explains. Even when programs already are in place, adding extra ones, such as excess/ supplemental disability insurance and other programs, offers more sales opportunities. Historically, says Shestack, life and disability voluntary benefits have led the pack. However, the recent focus has been on critical illness and accident coverage, which not only fill gaps but also provide financial protection. Medical gap programs are becoming increasingly popular and will likely see the largest participation increase vs He says other programs, such as telemedicine, are becoming more prevalent in employer offerings, as are lifestyle products like identity theft, roadside assistance, group legal, consumer purchasing and similar programs. Agents and brokers should be prepared to deliver employer and employee advice and context in the benefit decision-making process, Cavallaro says. The historical group approach, pushing products in a disconnected, siloed fashion, leaves employees with many questions about what to buy and in what amounts, he observes. The traditional product-driven, single file decision and enrollment process often send employees back to employers for counsel and advice, he adds. Employers want to feel confident they re providing an appropriate slate of solutions that will enable employees to get their benefit needs met and that s it. Cavallaro says employers want agents or brokers to put that slate together and to provide critical support and advice that employers are ill qualified and uncomfortable to give. Understanding what customers really want and providing solutions, rather than pushing products, is where the opportunities lie, he asserts. Underhill concurs. Agents need to be a greater part of the process, learning and thinking about employee needs and responding, he says. It really is an educational process. We need to come to employers with good insight about their employees. We have to talk to them about what their employees are looking for. If the broker can facilitate that conversation, that will be key. Employer size makes a difference. Voluntary benefits appeal much more to mid-sized to larger employers that don t generally buy ancillary products for their employees, Barg says. We highlight our hospital buffer plan, which is a simple-to-understand product available through payroll deduction. It s meant to cover a deductible and maybe some coinsurance obligation for hospitalization. We try to tailor it to the employees deductible so that, if they have a hospitalization, they have some cash. Barg adds, Critical illness is a good fit, depending on what employees have left to spend out of their paychecks. The suitability of the coverage varies with the kind of industry. For instance, in high tech, where employees have more disposable income, rounding out with 54 ROUGH NOTES
4 perhaps some voluntary AD&D, critical illness or accident medical above and beyond a gap plan would certainly make sense on a voluntary basis, he explains. Voluntary products have traditionally been very well received in hospitality industries food service, housekeeping, cleaning services as well as retail, he notes. And the persistency is good. James Rosseau, president of LegalShield Business Solutions, says agents and brokers need to lead with the notion of adding value through their product offerings. The value discussion with HR staff revolves around how to help the employer keep employees working, he notes. That s the number one issue: reducing absenteeism and presenteeism. He says both of these phenomena have huge dollars associated with them. Presenteeism employees being at work but not totally focused because things at home are distracting their attention costs firms $150 billion a year, Rosseau says. Identity theft and legal concerns are top issues that drive presenteeism. Identity theft is a persistent issue that s getting worse as criminals go downstream, moving beyond elders to mid-life folks and young adults, and now to teens and below, Rosseau explains. Some 36% of those affected report moderate or severe emotional distress, and this is where employers have the biggest stomach ache. Without getting proper help up front, employees are less productive. Capitalizing on opportunities To make the most of the market potential, Petersen encourages agents and brokers to develop a plan and/ or package of plans to offer employer clients. Before going to the employer with a set package, try to determine what employees desire, he advises. Traditionally, voluntary benefits have been sold with little employee input. An employer that includes them will be seen as a hero for having insurance plans that employees requested, he adds. Building a relationship with each employee increases the opportunity to sell individual plans to the employees, Petersen says. Rosseau concurs with the notion of adding value. Lead with conversations about keeping employees more productive, he says. Talk about challenges families and employers face. Make employers aware that employees are affected by things like identity theft and legal issues, and that this can lead to lost productivity. Then introduce a voluntary benefit that will help them get in front of the problem early on. Barg stresses the importance of understanding underlying major medical coverage and the employer s pain points. Listen to the employer, he says. Get involved with their major medical renewal or, if they self-fund, pay attention. Work with carriers that stand firm and back a broker or consultant and see new products that evolve. He also suggests considering how a fixed indemnity or limited medical product might serve part-time and/or contracted employees who don t qualify for major medical coverage through the employer. We are seeing requests for that, because some coverage is better than nothing at all, Barg comments. Agents and brokers interested in the voluntary benefits space should focus on two key partners, Shestack notes. First is an enrollment firm that helps with employee education and communication and helps manage implementation, enrollment and administration. Second is the carrier. More carriers are in the space than ever before, and competition is getting fierce in product design, rates and underwriting concessions. Agents in the space who have a pretty good feel for the industry, in addition to focusing on a solid enrollment firm partner, need to construct a solid voluntary benefits offering that fits the employee demographics, Shestack adds. Talk about consumer-directed health plans and also how accident, critical illness and hospitalization products can complement them, Underhill suggests. Get with consumers and understand potential solutions. Customers are more and more educated, and they re looking for alternatives. Once you get past figuring out how to protect them from financial devastation, consider other opportunities, he adds. A good example is pet insurance. There is a significant market for that. Underhill says brokers also need to figure out how they ll operate in the private exchange arena. Will they become navigators to help employers decide if an exchange is right for them? he asks. And if that s the way the employer wants to go, which exchange should it consider? Brokers should be up to speed on that. Cavallaro points out that large brokers are acquiring, building and integrating resources to offer a comprehensive slate of benefits. These include both traditional products that cover basic needs and worksite -type benefits that fill gaps specific to a given employee s situation, he says. In addition to the ability to present product, these solutions include decision support, enrollment technology and benefit administration. While these solutions frequently include broker branding, he says, they re often the combined work of various partners, including enrollment, administration, education and decision support vendors as well as insurance carriers and their product design, communication and support services. Independent brokers can access these same vendors and partners to put together robust solutions previously unavailable to them, Cavallaro asserts. Technology and collaboration let independent players compete with the largest national brokers. Education is key, of course, but the proliferation of resources means that independent brokers need not commit large sums of capital or own every resource in the continuum in order to compete. Barg sums up the issue and opportunities like this: With full ACA rollout, employers will continue to struggle with costs, passing more on to employees and at the same time seeking voluntary or gap options. Agents must familiarize themselves with the major medical marketplace and employer and employee needs, and learn how supplemental products might help mitigate added employee costs and out-of-pocket expenses. NOVEMBER
5 Are your voluntary benefits supported by a team of experts? Get winning results with our unique approach to driving participation and satisfaction. Unique isn t always good. In some cases, it s better. Like when you look at how we approach enrollment strategy. It s not just about investing in technology and processes, every carrier does that. the way through to completed applications. Why invest in our people? Because when enrollments are supported by our team of experts, our Learn more at RelianceStandard.com or call Reader Service Card No. 067
LARGE IS NOT THE NEW SMALL: MOVING DOWNSTREAM TO SMALLER CLIENTS
LARGE IS NOT THE NEW SMALL: MOVING DOWNSTREAM TO SMALLER CLIENTS WHO AM I??? ZRA is a boutique market research firm specializing in financial services. We have talked to thousands of brokers, benefits
More informationNew 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 informationBenefits that Matter:
Benefits that Matter: Five Ways Employers Can Get the Most Value from Voluntary Benefits A Purchasing Power White Paper August 2015 www.purchasingpower.com Benefits that Matter: Five Ways Employers Can
More informationSeeing 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 informationMetLife 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 informationCONSIDERATIONS IN PRIVATE EXCHANGE MARKETPLACES
Benefitfocus Solution Whitepaper CONSIDERATIONS IN PRIVATE EXCHANGE MARKETPLACES Over the past decade, the popularity and importance of consumeroriented, cost-conscious employee health plans has significantly
More informationPresented 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 informationBuilding 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 informationTrends 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 informationICCCFO How To Drive Employee Engagement Without a Budget
ICCCFO How To Drive Employee Without a Budget DAVE TORRI, AREA VICE PRESIDENT KEVIN SZELAGOWSKI, AREA EXECUTIVE VICE PRESIDENT APRIL 26, 2017 Agenda Introduction Employee & Communications Voluntary Benefits
More informationHow 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 informationDriving 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 informationQUESTIONS 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 informationViewPoint. 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 informationHealth 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 informationHealthcare Programs: Employee Benefits Selection Can Be Made Easier Through Technology
Healthcare Programs: Employee Benefits Selection Can Be Made Easier Through Technology Mobile HR and other new technology can help employees better understand their benefits options. The ADP Research Institute
More informationHealth 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 informationSupport 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 informationHRDA Research 2016 HR Technology Trends 2016: How New Solutions Are Transforming Organizations. Sponsored by
HRDA Research 2016 HR Technology Trends 2016: How New Solutions Are Transforming Organizations Sponsored by HR Technology Trends 2016 Lisa McDougald Director Expert Talent Strategies SilkRoad Stephen D.
More informationInsperity 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 informationFinancial wellness: Creating a more productive and engaged workforce. Tailoring the program
Financial wellness: Creating a more productive and engaged workforce Tailoring the program 1 A message from James Reid As employee wellness programs have evolved over recent decades, they have expanded
More informationLocal knowledge. Global expertise. abilities 2018
Local knowledge. Global expertise. abilities 2018 See opportunity where others don t. Maximize the opportunity every transaction offers. Drive revenue, acquire new customers, and improve customer loyalty
More informationGallagher Healthcare Practice
Gallagher Healthcare Practice Keeping Your Organization in Good Health As the healthcare industry transitions from volume to value, you need a partner with access to a wide set of solutions that can be
More informationPatient Engagement and the New Face of Revenue Cycle Management
Patient Engagement and the New Face of Revenue Cycle Management A white paper produced by The enactment of the Affordable Care Act (ACA) has gradually led to new models of healthcare reimbursement that
More informationBeyond Current Realities: Leveraging Data Analytics to Create Better Benefits Programs and More Competitive Organizations
Beyond Current Realities: Leveraging Data Analytics to Create Better Benefits Programs and More Competitive Organizations SPONSORED BY PRESENTED BY RESEARCH Employee Benefit News 1 Table of Contents About
More informationMarket Leader Listing Agent Guide
Page 1 Market Leader Listing Agent Guide The real estate market is steadily improving, thanks to home values increasing in many major metropolitan areas, continually low interest rates, and a flood of
More informationRestaurateurs Unintended Consequences of the ACA
Restaurateurs Unintended Consequences of the ACA The Public Exchanges, Private Exchanges, and Restaurant Employees December 2013 Lockton Companies With the delay of the employer health insurance mandate
More informationEmployee Wellness Portals. The 4 Game Changers. Choosing the right Platform for your Wellness Program. An ebook presented by
Employee Wellness Portals The 4 Game Changers Choosing the right Platform for your Wellness Program An ebook presented by HIPAA LIFESTYLE DEVICES SYSTEMS POWER USERS ENERGY EMPLOYEE WELLNESS PORTALS CHOOSING
More informationWhere 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 informationJennifer 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 informationStrategic 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 informationBenefits Insight & Guidance
MARKETPLACE NOTICES AND APPEALS: WHAT, WHY, WHEN AND HOW? Federal authorities have at last begun to issue notices from HealthCare.gov to employers. The notices identify for employers one or more employees
More information6 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 informationImplementing a Workplace Health & Wellbeing Programme
Implementing a Workplace Health & Wellbeing Programme 1 Contents Introduction...3 What is a Health and Wellbeing Programme?...3 What are the Benefits of Wellbeing Programmes?...4 How to Create an Effective
More information5 Ways to Manage the Rising Costs of Benefits
WHITE PAPER 5 Ways to Manage the Rising Costs of Benefits How to 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
More informationBROKER ROADMAP springbuk.com
1 BROKER ROADMAP HOW TO THRIVE IN A POST-PPACA WORLD WITH EMPLOYER ANALYTICS springbuk.com 5 YEARS LATER, NOW WHAT? 2 It s tempting to blame PPACA for current pressure on agency revenues. Yet the truth
More informationFROM MYTHS TO MONEY YOUR JOURNEY TO REVENUE WITH CONTRACT RECRUITING
FROM MYTHS TO MONEY YOUR JOURNEY TO REVENUE WITH CONTRACT RECRUITING TABLE OF CONTENTS Your Journey to Revenue with Contract Recruiting TRENDS & IMPACTS OPPORTUNITIES AHEAD 3 6 TOP 10 REASONS TO PLACE
More informationFinancial Salary Guide & Employment Outlook
2018 Financial Salary Guide & Employment Outlook About Alliance Resource Group Candidate-first methodology. Our unique discovery process provides an exceptional understanding of the competencies and interests
More informationYour Full Service Financial Firm
Your Full Service Financial Firm your full service financial firm Victor Honeoye Rochester ONEONTA p 585.410.6733 Oneonta 607.432.3462 e tax@alliedfp.com w www.alliedfp.com Securities offered through Cambridge
More informationunu 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 informationHelping Employees Choose the Best Health Care Benefit By Javier Simon September 07, 2016
Helping Employees Choose the Best Health Care Benefit By Javier Simon editors@plansponsor.com September 07, 2016 Deductibles and premiums linked to employer-sponsored health insurance have been rising
More informationDixie County School Board Request for Qualifications Employee Benefit Brokerage/Advisory Services
Dixie County School Board Request for Qualifications Employee Benefit Brokerage/Advisory Services February 5, 2013 The Dixie County School Board is soliciting Requests for Qualifications (RFQs) for employee
More informationTriNet Group, Inc. Investor Presentation August September 2018
TriNet Group, Inc. Investor Presentation August September 2018 Disclaimer Cautionary Note Regarding Forward-Looking Statements and Other Financial Information This presentation contains statements that
More informationSample 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 informationWHITE PAPER----Dollar Days Website Author: Chuck Vance, President, MaskMail.com
WHITE PAPER----Dollar Days Website Author: Chuck Vance, President, MaskMail.com HAVE YOU EVER SAID, I WISH THAT SOMEONE WOULD HAVE SAID SOMETHING EARLIER, WE COULD HAVE SAVED A LOT OF MONEY? DO YOU KNOW
More informationTECHNOLOGY 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 informationexecutives Using health insurance exchanges to gain competitive advantage
Health Care Of special interest to Health care executives 5Insights for executives Getting fit for the new health care environment Using health insurance exchanges to gain competitive advantage Many states
More informationAre Private Health care
Are Private Health care Exchanges in Your Future? As the Affordable Care Act (ACA) inches closer to full implementation, employers have more to think about than ever before. In addition to changes in benefits
More informationNot all payroll solutions are created equal. Get the facts and choose the best payroll option for your company
Not all payroll solutions are created equal Get the facts and choose the best payroll option for your company 2 Apples and oranges and lots of them Software, outsourcing, service bureau, ASO, PEO it s
More informationEverything you need to know about. PEOs. Professional Employer Organizations. A step-by-step guide to understanding the value of a PEO.
Everything you need to know about PEOs Professional Employer Organizations A step-by-step guide to understanding the value of a PEO. Table of Contents 1 What is a PEO? 2 8 reasons why you should partner
More informationSEE WHERE YOU STAND Benefits Strategy & Benchmarking Survey Manufacturing Industry Addendum
SEE WHERE YOU STAND 2018 Benefits Strategy & Benchmarking Survey Industry Addendum Survey Overview Gallagher s 2018 Benefits Strategy & Benchmarking Survey asked U.S. employers more than 300 questions
More informationANNUAL MEETING OF SHAREHOLDERS BANK OF MONTREAL. Address delivered by Darryl White Chief Executive Officer, BMO Financial Group April 5, 2018
BANK OF MONTREAL ANNUAL MEETING OF SHAREHOLDERS Address delivered by Darryl White Chief Executive Officer, BMO Financial Group April 5, 2018 Please check against delivery. Darryl White Chief Executive
More informationPreparing for HR & Tax Compliance Changes. What may be coming from the new administration. Preparing for HR & Tax Compliance Changes
Preparing for HR & Tax Compliance Changes What may be coming from the new administration. 1 It s an Uncertain Time for Employers How will the administration of President Donald Trump shape the next four
More informationGuest Name and Title: Carol Phillips, President Guest Company: Brand Amplitude
Guest Name and Title: Carol Phillips, President Guest Company: Brand Amplitude David: Hi, this is David Patrick. Welcome to The Brand Show. Today I ll be talking with Carol Phillips. She s the president
More informationPutting 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 informationAFLAC WORKFORCES REPORT EXECUTIVE SUMMARY Trends & Challenges on the journey to health care reform
AFLAC WORKFORCES REPORT 2014 EXECUTIVE SUMMARY Trends & Challenges on the journey to health care reform AFLAC WORKFORCES REPORT 2014 2 Employers have grappled to understand the ACA s many regulations;
More informationCustomers expectations compared to banks perception. Brussels, 25 May 2012
Customers expectations compared to banks perception Brussels, 25 May 2012 The E&Y Global Consumer Banking Survey 2012 This is Ernst & Young s latest survey of retail banking customers around the world.
More informationHOW TO DRIVE EMPLOYEE ENGAGEMENT WITHOUT A BUDGET. Kevin Szelagowski, Area Executive Vice President Arthur J. Gallagher, Co.
HOW TO DRIVE EMPLOYEE ENGAGEMENT WITHOUT A BUDGET Kevin Szelagowski, Area Executive Vice President Arthur J. Gallagher, Co. AGENDA Introduction Employee Engagement & Communications Voluntary Benefits Next
More informationIn Their Own Words What Advisor Characteristics are Most Important to the Client of the Future
In Their Own Words What Advisor Characteristics are Most Important to the Client of the Future Frank McAleer, Director Retirement Solutions Raymond James Financial $900K $800K $700K $600K $500K $400K $300K
More information5 Things That Keep Small Business Owners Up at Night, and How Benefits Brokers Can Help
5 Things That Keep Small Business Owners Up at Night, and How Benefits Brokers Can Help It s no secret small business owners have a lot of responsibilities hiring and retaining talent, paying the bills
More informationAon Risk Solutions Employee Benefits. Aon Plus. A new approach to voluntary benefits. Risk. Reinsurance. Human Resources.
Aon Risk Solutions Employee Benefits Aon Plus A new approach to voluntary benefits Risk. Reinsurance. Human Resources. About us Aon Employee Benefits is one of the most experienced and well-respected employee
More informationWHITE PAPER: CUSTOMER DATA PLATFORMS FOR BUSINESS-TO-BUSINESS SOFTWARE AS A SERVICE (SAAS) MARKETING
WHITE PAPER: CUSTOMER DATA PLATFORMS FOR BUSINESS-TO-BUSINESS SOFTWARE AS A SERVICE (SAAS) MARKETING PUBLISHED BY: SPONSORED BY: INTRODUCTION: B2B MARKETERS JOIN THE CDP REVOLUTION Customer Data Platforms
More informationYour 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 informationHow 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 informationIntegrators Evolve. Alongside Industry
Systems Tips for Integrators Evolve to Alongside Industry The face of the security industry continues to grow and evolve into one that resembles a service industry. Systems integrators need to be vigilant
More informationSMPS EMBRACING TECHNOLOGY
SMPs Technology SMPS EMBRACING TECHNOLOGY Moving to cloud computing is inevitable for small- and medium-sized practices looking to remain as relevant as larger firms with more resources. Michelle Perry
More informationThe 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 informationGemalto Podcast for 8_29 [1] CARSLEY: Welcome. This is Ben Carsley for PYMNTS.com, and I am
Gemalto Podcast for 8_29 [1] CARSLEY: Welcome. This is Ben Carsley for PYMNTS.com, and I am joined today by Amol Deshmukh, who is the vice president of mobile financial service for Gemalto. So, thank you
More informationPEO FOR PEACE OF MIND: A WHITE PAPER STUDY
PEO FOR PEACE OF MIND: A WHITE PAPER STUDY Trends in outsourcing DO WHAT YOU DO BEST, OUTSOURCE THE REST According to the Harvard Business Review, 83% of America s fastest growing companies outsource non-revenue
More information5 Ways CFOs Can Increase Project Profitability
5 Ways CFOs Can Increase Project Profitability Table of Contents The Services Industry s Mandate: Project Profitability... 3 1. Track the Right Metrics... 4 2. Carve out Analysis Time... 5 3. Create Dashboards
More informationHow to Facilitate Lawyer Adoption of a New Pricing and Budget Management Tool
THOMSON REUTERS LEGAL EXECUTIVE INSTITUTE How to Facilitate Lawyer Adoption of a New Pricing and Budget Management Tool By Elisabet Hardy, Justin Farmer and Colleen Scimeca Given the increased importance
More informationLetter to Shareholders
Letter to Shareholders 2015 ADP and the ADP logo are registered trademarks of ADP, LLC. ADP A more human resource. is a service mark of ADP, LLC. Copyright 2015 ADP, LLC. 1 CARLOS RODRIGUEZ President and
More informationCharting a Steady Course
2 0 1 6 BENEFITS STRATEGY & BENCHMARKING SURVEY INDUSTRY ADDENDUM ENERGY Charting a Steady Course Survey Overview Gallagher s 2016 Benefits Strategy & Benchmarking Survey provides insights into how benefit
More informationThe Solutions Suite by CCStpa
The Solutions Suite by CCStpa A portfolio approach to health benefits administration Simplicity packaged for the value-conscious Classic only what you need and want Custom as unique as you are Your needs.
More informationYour Full Service Financial Firm
Your Full Service Financial Firm Three convenient locations throughout the Rochester area. Together, we help educate and guide you towards financial success at every stage of life. Victor Office 6536 Anthony
More informationFrom Wellness to Peak Performance. Create a culture of health to boost employee health and productivity
From Wellness to Peak Performance Create a culture of health to boost employee health and productivity Advocacy Tailored Insurance Solutions Peace of Mind From Wellness to Peak Performance ebook Create
More informationChange Catalysts Case Study
Change Catalysts Case Study CQ Certification Empowers 1000+ Leaders to Navigate Massive Changes in the Healthcare Industry The Change Intelligence (CQ ) System helps build teams that are united by a common
More informationOnsite Wellness vs. All-Digital Wellness
Onsite Wellness vs. All-Digital Wellness How to run a better employee wellness program by not doing anything onsite. An ebook Presented by: Extracon Science LLC www.extracon.com 1 WELLNESS DEVICES PREVENTION
More informationBenefit Administration System Capabilities & Details. System Details v4 06_16
Benefit Administration System Capabilities & Details www.benefithelp.com ACA Compliance ACA MANAGER You chose BenefitHelp TM for best in class benefits administration, service and support. Now you can
More informationFinding the Key to Sales Excellence: What Do High Performers Look Like?
Finding the Key to Sales Excellence: What Do High Performers Look Like? Nicholas T. Miller, President, Clarity Advantage Corporation Charles Wendel, President, Financial Institutions Consulting he value
More informationLEADER. Develop remarkable leaders who deliver amazing results
LEADER Develop remarkable leaders who deliver amazing results LEADER Develop remarkable leaders who deliver amazing results by Antoinette Oglethorpe the leader system 3 Here s the bottom line: companies
More informationWE MAKE DOING BUSINESS MORE. profitable
WE MAKE DOING BUSINESS MORE profitable What is a PEO? Why use a PEO? A professional employer organization (PEO) provides necessary HR functions for small to midsize businesses without the resources or
More informationGUIDE The Fiduciary and Ethical Role of the CFO in Employee Health Benefits Purchasing
GUIDE The Fiduciary and Ethical Role of the CFO in Employee Health Benefits Purchasing Disclaimer: The information and materials herein are provided for general information purposes only and are not intended
More informationIt s time to talk HR with your business clients: A win-win conversation. Your guide to advising clients on much-needed HR services
It s time to talk HR with your business clients: A win-win conversation Your guide to advising clients on much-needed HR services It s time to talk HR with your business clients: A win-win conversation
More information4 Ways Your HCM Technology Should Enhance Your Onboarding Processes HRDIVE.COM PLAYBOOK
4 Ways Your HCM Technology Should Enhance Your Onboarding Processes HRDIVE.COM PLAYBOOK When you signed on with your first Human Capital Management (HCM) system, the short-term benefits were clear. Your
More informationPEOs Are a Boon to Employers and Employees Alike
INC. BRANDED CONTENT / HRH R PEOs Are a Boon to Employers and Employees Alike New research shows professional employer organizations benefit small company employees as much as the businesses themselves.
More informationThat s why 98% of them would recommend a PEO to another small business.
Ever wonder why your competitors have more time to focus on growing their businesses? Maybe they re using a Professional Employer Organization (PEO) for HR, benefits, payroll, and workers comp. PEO Clients:
More informationHR outsourcing: A step-by-step guide to professional employer organizations (PEOs)
HR outsourcing: A step-by-step guide to professional employer organizations (PEOs) TABLE OF CONTENTS The unique HR challenges of small businesses The power of PEOs How a PEO can benefit your business How
More informationShifting Environment From a Focus on Products to Customer Centricity
Shifting Environment From a Focus on Products to Customer Centricity Contents Section 1: Affinity Marketing Section 2: Customer Centricity: A Differentiating Factor Section 3: Customer Centricity in Bancassurance
More informationTotalCare Wellness Programs Reduce Health Care Costs and Improve Productivity
TotalCare Wellness Programs Reduce Health Care Costs and Improve Productivity Up to 70% of an employer s health care spending is attributed to unhealthy lifestyle behaviors Poor Health Behaviors Drive
More informationTriNet Group, Inc. Investor Presentation March 2018
TriNet Group, Inc. Investor Presentation March 2018 Disclaimer Cautionary Note Regarding Forward-Looking Statements and Other Financial Information This presentation contains statements that are not historical
More informationINDUSTRY SNAPSHOTS. Business and Professional Services
INDUSTRY SNAPSHOTS Business and Professional Services 1 Addressing HR challenges in Business and Professional Services In the Business and Professional Services industry, companies thrive based on their
More informationMAXIMIZE 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 informationWELLNESS 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 informationSCALING SOCIAL: GOING BEYOND TECH IN NORTH AMERICA
SCALING SOCIAL: GOING BEYOND TECH IN NORTH AMERICA INTRODUCTION The buyer s journey has changed, and sales professionals have changed their own approach to include social media tools as an integral part
More informationWhy Reinventing Fundraising in Higher Education Is Imperative for Its Survival
Why Reinventing Fundraising in Higher Education Is Imperative for Its Survival A call for more intelligent fundraising to engage the right donors at the right time with the right offer through the right
More informationAn Insider s Look at Media, Brand Safety, and Partnerships
MARKETERS SURVEY RESULTS 2018 An Insider s Look at Media, Brand Safety, and Partnerships Sizmek Research Contents Executive Summary 3 Marketers and Media: What the Survey Reveals 4 Contextual targeting
More informationTHE CONNECTED PATIENT EXPERIENCE: IMPLEMENTING A CUSTOMER CONTACT CENTER
SPEAKER HEALTHCARE THE CONNECTED PATIENT EXPERIENCE: IMPLEMENTING A CUSTOMER CONTACT CENTER Announcer: Welcome to Navigant On Healthcare, offering insights for healthcare leaders striving for success in
More informationFOODSERVICE MARKETING INSIGHTS The Online Newsletter for Foodservice Marketing Professionals From Franklin Foodservice Solutions and Dave DeWalt
FOODSERVICE MARKETING INSIGHTS The Online Newsletter for Foodservice Marketing Professionals From Franklin Foodservice Solutions and Dave DeWalt Volume 4, Issue 9 September, 2006 IN THIS ISSUE: REDISTRIBUTION
More informationAmericas retail report
Americas retail report Redefining loyalty for retail June 2015 Redefining loyalty for retail Today, American consumers have more shopping choices than ever before. They have access to more diverse retailers
More information