BenefitsPRO Magazine-October 2016

Issue Gallery ›

  • 10 most catastrophic claims for self-funded employers

    Jack Craver

    There are a range of illnesses that can prompt a self-funded employer to make a claim on their stop-loss insurance policy, but a new study by Sun Life Financial Inc. finds that a majority (53 percent) of the $5.3 billion in such claims paid by insurers from 2012 to 2015...

  • The state of single-payer health care

    Nathan Solheim

    In recent years, experimentation with single-payer and universal health care systems has largely taken place in the nation's governmental laboratories.

  • The surge in self-insurance

    Scott Wooldridge

    Self-insurance for medical benefits is sometimes seen as a step into the unknown. After all, companies are taking on more risk, and the potential for catastrophic medical costs can intimidate some business owners. But many experts say that the potential cost savings outweigh the risk. And with each passing year,...

  • Voluntary benefits are affordable for all

    Marty Traynor

    There are a few basic truths underlying the popularity of voluntary benefits; affordability is one of them, along with understandability and processing ease. For an employee, voluntary plans are easy to apply for, to qualify for, and to pay for. For an employer, there is little work beyond allowing enrollment...

  • Get better or get left behind

    Gil Lowerre and Bonnie Brazzell

    In a recent Eastbridge/BenefitsPRO survey, brokers were asked about their perception of current sales competition. The responses, reproduced in the chart to the left, show that between 20 percent and 40 percent of brokers sense that competition is higher than average. We believe that is just the tip of the...

  • Universal division

    Paul Wilson

    In recent months, our coverage has focused heavily on single-payer health care and with good reason. As the ACA continues to struggle and Americans grow increasingly disillusioned with our health care system, single payer is likely to remain in the spotlight for the foreseeable future. As I wrote last...

  • 5 401(k) plan design tips

    Christopher Carosa

    A decade ago, the 2006 Pension Protection Act recognized the important behavioral finance concept of the nudgethe reframing of the decision-making process to subtly push the decision maker toward the optimal decision. We see this in the shift from opting-in to opting-out in modern 401(k) plan design. No longer limited...

  • 2016 Employer Survey

    Alan Goforth

    Although the presidential race is ongoing, the polls have closed for BenefitsPRO's 2016 Employer Survey and benefits brokers who listen to what their customers are telling them and deliver cost-effective solutions in a fast-changing business environment will be the clear-cut winners.

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