We asked readers this month, how important has critical illness become to clients over the past five years, and what are you doing to make this your best enrollment season ever?
The buzz on critical illness is that employees and employers are realizing the limits of the traditional employer benefits plan. Readers agree the HSA and high deductible markets are sparking interest in a worksite product that can offset the high cost of special health needs.
As one informed reader puts it, "Employers and employees are realizing that they can't cover or afford all of the special needs not covered by a traditional employer benefits plan. These voluntary options are important because they combine discounts, possible guaranteed issue options, portability and flexible employee choices."
The word for enrollment season is education. Whether it's adding online enrollment services, or clearing up the insurance jargon, readers say clear and concise communication in an effective medium is critical.
