The opinions expressed herein are the writer’s and do not necessarily reflect the opinions of Moreton & Co.

A curious thing happened during a recent renewal. The policy being renewed was a disability benefit based on covered payroll. After marketing the policy to several carriers, my team began the usual process of analysis using spreadsheets to compare proposals. When we compared current plan costs to the proposals, it became clear that the proposals were rated differently than the incumbent’s renewal. Since apples don’t compare fairly with oranges, we investigated to find the cause of the difference. Eventually the discrepancy was discovered: the census of “actively at work employees” erroneously contained previously terminated employees.

Complete your profile to continue reading and get FREE access to, part of your ALM digital membership.

Your access to unlimited content isn’t changing.
Once you are an ALM digital member, you’ll receive:

  • Critical information including cutting edge post-reform success strategies, access to educational webcasts and videos, resources from industry leaders, and informative Newsletters.
  • Exclusive discounts on ALM, BenefitsPRO magazine and events.
  • Access to other award-winning ALM websites including and

Already have an account?


Join BenefitsPRO

Don’t miss crucial news and insights you need to navigate the shifting employee benefits industry. Join now!

  • Unlimited access to - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including and
  • Exclusive discounts on and ALM events.

Already have an account? Sign In Now
Join BenefitsPRO

Copyright © 2023 ALM Global, LLC. All Rights Reserved.