The company hopes early action will keep small employer claims from becoming stop-loss claims.

Claim utilization is now the dominant driver of specialty drug trend as the percentage of members using specialty drugs rose to 5.5%.

Caregiving retirees are more likely than non-caregiving retirees to rate their current lifestyle in retirement as fair, while non-caregivers are more likely to rate it as excellent.

Common reasons include fear of inflation and long-term care costs, according to Allianz Life.