Resource Center

Your clients are constantly facing new challenges and need to pivot quickly in the evolving benefit world, including access to virtual care, support for mental health and financial well-being. This is your chance to be equipped with innovative, flexible solutions that tackle today’s biggest problems. It all starts by asking the right questions.

Download this guide now to understand how you can add value, and how to start important conversations with clients. This includes asking 6 key questions that will open up communication, such as:

1. “How has employee turnover changed or increased recently?”

2. “What employee groups are especially difficult to recruit?”

3. “What are you hearing from employees?”

4. And more…

Show clients how they can offer better benefits without breaking the bank!

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What’s your type? You know, your consulting type. What category would you put yourself in?

Knowing more about your type can help you introduce new tools to make benefit planning and strategizing easier. This is a priority right now, as emerging employee needs and continued uncertainty demand a fresh approach.

Download this guide on broker types for ideas that can help you go further with clients—and be the problem-solving partner they really need.

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Poor understanding of employee benefits and fragmented services lead to inaccurate claims, overuse of emergency services, and under-use of behavioral and preventive health solutions. The burden of traversing the system compounds the stress and frustration that has built up over two unprecedented years of strict pandemic measures. Savvy benefits leaders are choosing health benefits platforms and services that improve the overall experience and allow employees to feel in control of their health. 

Download this guide to discover trends shaping health benefits for 2022 that will help your clients remain competitive, including:

• Transitioning from silos to seamless experiences
• 24/7 behavioral health for work-life balance
• How employers should invest in mental health & wellbeing
• Integrated support from prevention to treatment
• How members can do it straight from an app; without waiting

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It’s no secret that health benefits have struggled to keep up with workforce expectations during the Great Resignation. Poor understanding of employee benefits and fragmented services can lead to inaccurate claims, overuse of emergency services, and under-use of behavioral and preventive health solutions.

This guide outlines the trends shaping health benefits in 2022 and what you need to do to remain competitive, including:

• Transition from silos to seamless, integrated experiences with support from prevention to treatment
• Know how to invest in mental health & wellbeing
• Simplify finding in-network providers
• Deliver an app-based, no waiting experience
• Provide mission-driven health benefits that mirror your company values

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Because the way people interact with tobacco and nicotine has changed (primarily due to the emergence of e-cigarettes and vaping devices), programs need to evolve. Download this interactive ebook for proven best practices to ensure a successful quit program, including:

• 3 facets shaping successful quit programs
• How to foster a whole-person approach
• How nicotine user demographics have changed
• The latest cessation research
• How technology can improve engagement
• Additional resources

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The Health Savings Account (HSA) is an incredibly versatile savings vehicle. From healthcare savings to retirement savings and beyond, HSAs bring opportunities you can’t find anywhere else. 

But we’ve found that many members simply don’t know all the ways to use their HSA. We believe better education can help promote HSA adoption and boost re-enrollment.

Download this eBook to discover simple, step-by-step strategies that showcase the true power of a Health Savings Account. What’s inside: 

• Why HSAs can mean lower insurance premiums 
• How to invest in HSA 
• Comparing the HSA to the 401(k)
• Opportunities to maximize tax savings 
• And more… 

Download and share a copy today. Your clients and their employees will appreciate you thinking of them. 

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Many employers recognize that financial wellness programs are a key employee benefit that can help to reduce workers’ stress, improve employee retention, and set employers apart in the marketplace. Employees who are less stressed about their finances are more focused and productive on the job, which can positively impact the bottom line.

Read through this report to learn:

• How employers can play a part in helping employees get a handle on their finances
• How a holistic approach to employee financial wellness can contribute to a more effective program
• How employers can measure the overall success of a financial wellness program

 

Morgan Stanley at Work services are provided by Morgan Stanley Smith Barney LLC, member SIPC, and its affiliates, all wholly owned subsidiaries of Morgan Stanley.
CRC 3757905 (09/21)

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In a competitive labor market with an unprecedented level of turnover, it can be especially challenging to retain and recruit the right people. Forward-thinking employers that adopt a strategic approach to talent management take a wide view of the candidate-to-employee cycle, continually looking to recruit, retain and reward their people. As a result, these organizations build a solid pipeline for talent and a robust retain-and-reward approach.

Download this guide to learn how you can boost your benefits to:

• Create more bench strength
• Drive higher employee engagement & lower staff turnover
• Reduce recruitment costs
• Shore up coverage to alleviate employee financial strain
• And more!

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Expanding benefits in 2022 doesn’t have to come at a higher cost. Though you may feel pressured to offer better benefits and increase member engagement, there is an approach that has proven key to bolstering benefit offerings, simplifying the healthcare journey, improving engagement and lowering costs.

This eBook explores how healthcare advocacy solutions can help you do just that. Download now to learn more about:

• The expected increased demand for medical services in 2022
• Proven strategies to mitigate soaring employee healthcare costs
• How healthcare advocacy helped a publicly traded company save $9.4 million
• A solution to increased engagement and a high member satisfaction rating
• How to help employees make better decisions driven by objective quality and cost data

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If your clients have made changes for 2022, they soon could be visited by the ghost of benefits future, just like Ebenezer Scrooge. It's time to take action now before your clients are faced with unpleasant realities.

Download this infographic which outlines 4 pain points your clients may face in the year ahead and solutions to help them address each. You’ll discover solutions to address:

• Recruitment Difficulties
• Retention Challenges
• High out-of-pocket costs
• Gaps in RX coverage

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Communication with clients and conveying the importance of benefits is more important than ever, especially when you can’t meet them face-to-face and often have to connect digitally. Words have great significance and can help ensure you can engage in meaningful conversations. 

Download this brochure for 10 key researched phrases you can use to help your clients prepare their employees for the future. Phrases include:

• It’s more essential than ever to help employees plan for their family’s well-being
• Helping employees live well tomorrow starts today
• Physical health of employees is as important as financial well-being
• And more…

Use this tool to guide you in your conversations with clients and help you build your relationships.

 

Insurance products offered by Transamerica Life Insurance Company or its affiliates.

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In a time where your clients’ employees face more monetary problems than ever before, financial wellness programs and their educational benefits are crucial. However, these efforts can easily miss the mark due to a small, but significant, assumption: every employee has a bank account. Workers who are not on direct deposit could be slipping through the cracks if they don't even have a bank account..

Download this white paper now to ensure your clients have programs that cover all employees, including those receiving paper checks or pre-paid debit cards. You will also learn how an ideal program:

• Accounts for employees currently outside formal finance
• Makes existing financial wellness programs easier to follow
• Streamlines the payroll process

Take this opportunity to make life easier for your clients and their employees. Tend is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.

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When issues occur at home or away from the office, addressing an employee’s needs becomes difficult. The keys to supporting an effective workforce include investments in the form of salary, training, a safe and appealing work environment and meaningful benefits  - but many employers do not understand how much the pressure of caregiving impacts employees.

Download this info sheet to help make your clients aware of supplemental backup care benefits designed to supply coverage for the unexpected events that affect the working family and jeopardize employee productivity. You will learn:

• The impact of caregiving on employees
• The snowball effect caregiving has on companies
• How employers can prevent the “snowball effect” of employees having to miss hours of work due to caregiving circumstances that are beyond their control
• How to help employees find peace of mind so they can focus on what’s important 

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In the digital age, assembling the best team means looking beyond your own backyard. In fact, rapid technological changes have led all types of companies to search outside their home countries for talented employees who can support their domestic and international operations.

Having a global staff is crucial for growth but rewarding and retaining them through equity grants can be complicated. Download this report to learn:

• How the progression of technology enables employers to craft flexible equity plans and data sharing
• How country-specific regulatory laws may dictate the approach to global equity plans
• How your plan design advisors may consider domestic and foreign tax implications when building out a global approach to equity

Morgan Stanley at Work, Shareworks, Morgan Stanley Smith Barney LLC, and its affiliates, employees and Financial Advisors do not provide legal or tax advice. Individuals should consult with their tax/legal advisors before making any tax/legal-related investment decisions.

Morgan Stanley at Work and Shareworks services are provided by Morgan Stanley Smith Barney LLC, member SIPC, and its affiliates, all wholly owned subsidiaries of Morgan Stanley.
CRC 3757905 (09/21)

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In 2019, $100 billion was spent on elective surgeries. However, up to 30% of those surgeries were avoidable. Through appropriate employee education, these unnecessary procedures can be avoided, saving your organization money from reduced absenteeism and lower health insurance claims.

Download this infographic to learn how shared responsibility in a decision support program leads to:

• Reduction in elective surgeries
• Better employee choices
• Increased employee satisfaction

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Perceptions of work have evolved and competition for talent crosses nearly every industry, requiring employers to consider a new set of employee concerns, expectations, and values. The commitment to building a better workplace around a better employee experience is a sustainable goal for profitable change — and a good way to defend against employee burnout and pent-up turnover. With this end in mind, organizations are reconsidering how they approach all touchpoints for this experience, as a whole.

Download this report now for insights on how to set sustainable goals for profitable change while cultivating a better employee experience. You will learn about:

• Staying on top of evolving vaccine and workplace considerations
• Elevating the employee experience by moving to a hybrid workforce
• Reimagining leaves and PTO to improve employee and organizational wellbeing
• Optimizing mental health services requires an understanding of how to offer them
• Keeping pace with changing ESG expectations and trends

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As the pandemic continues to drag on, many clients find themselves struggling to keep things going while still offering quality healthcare benefits to employees. This is not a new problem. Long before the pandemic, many people were underinsured either because out-of-pocket costs were too high, or because their employer simply couldn’t afford health coverage. The goal should be to make it so people don’t have to choose between physical health and financial stability. To make this happen for clients of all sizes, embracing a creative plan-design solution is key.

Download this guide to discover how to ensure clients and their employees get the most out of first-dollar, or no-deductible, health options and how it can stop the avoidance or delay of care. You will also learn:

• Why first-dollar coverage makes a difference and how it works
• How clients can avoid the more traditional, expensive options
• Tactics for creating a health plan that saves money

Get rid of the no-win health care situation for clients and employees.

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COVID-19 elevated the conversation about well-being in the workplace, highlighting the connections between physical and mental health and the need for a holistic approach. Many companies are responding to this new trend to ensure employees get the support they need. If your organization is not, you must start soon or risk losing key employees to greener pastures.

Download this eBook for six key insights from a survey of hundreds of businesses and tips for how you can respond to shifts in the H&W landscape. You will learn how to ensure employees thrive by understanding:

• How to pay attention to and incorporate social determinants of health in your programs
• Why diversity, equity and inclusion is an important part of H&W
• Reasons financial wellness must be part of your strategy
• And more… 

Make sure your organization is flexible, resilient and inclusive to meet employees where they are.

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Cardiovascular disease is a significant contributor to rising healthcare spending, creating high costs for your clients in terms of claims. For those with self-funded plans, it is usually a top claims cost. Digital health options are an easy, low-cost way for them to empower their employees to take control of their heart health, reduce unnecessary procedures, and drive down healthcare spending.

Download this white paper to learn how to help your clients:

• Optimize employee care and prevent health risks 
• Hold digital solutions to a high standard
• Bring about life-saving and cost-saving outcomes through digital care and coaching
• And more!

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Cardiovascular disease is a significant contributor to rising healthcare spending, creating high costs for employers in terms of claims. For self-funded plans, it is usually a top claims cost. Digital health options are an easy, low-cost way to empower members to take control of their heart health, reduce unnecessary procedures, and drive down healthcare spending.

Download this white paper to learn more about  industry-leading engagement through digital coaching. You will learn how to:

• Optimize care and prevent health risks 
• Hold digital solutions to a high standard
• Bring about life-saving and cost-saving outcomes through digital care
• And more!

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Your clients were already trying to cope with shifting employee needs and benefit cost increases, and now there is a war for talent due to the “Great Resignation”. Clients count on you to guide them through this continued uncertainty. To say that it’s tricky is an understatement, especially with the upended traditional planning cycle.

Download this infographic now for insights on three traps to avoid when working with clients on their benefits options. These include:

• Why you can no longer limit planning with clients to once a year
• How to not get bogged down in a conversation about costs
• Ways to ease the pain of changes to a plan

Show clients you are an invaluable member of their team by dodging problematic pitfalls with better solutions. 

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Managing healthcare benefits costs by reducing coverage or increasing deductibles is a constant for many organizations. You try to work with your broker to build flexible plans that help retain key talent and recruit new, productive employees, but sometimes you miss the mark on what type of benefits employees really want and need. This is especially problematic now, as workers in the U.S. resign in droves, looking for other opportunities.

Download this infographic for tips that can help you build better plans, including three ways to find the sweet spot, which includes:

• Ways to provide better healthcare coverage
• Tactics for doing that without breaking the bank
• How innovative solutions can act as a compensation booster for employees 

Take steps now to keep employees from leaving AND recruit new talent.

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A majority of personal bankruptcies in the U.S. are tied to medical expenses. However, there are ways your clients can help their employees avoid this fate, specifically through supplemental health insurance plans. They can give employees peace of mind so they know that not only is their health protected, but their finances are too.

Download this guide now to ensure you understand the ins and outs of supplemental insurance so you can provide the best recommendations and specialized plans. You will learn:

• How to present a comprehensive list of supplemental insurance plans and products 
• Ways to identify which employees may benefit 
• Details about different types of supplemental options available
• And more… 

Take steps to simplify supplemental health insurance for your groups and offer personalized recommendations for their unique needs.

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The latest survey from HealthEquity shows a direct link between flexible benefits and employee satisfaction. As millions change jobs, looking for new opportunities and even new careers, organizations with rewarding, flexible benefits will be better positioned to attract and retain top talent.

Download this eBook to see the latest research. You’ll get unique insight into employee preferences and expectations, along with five strategies to help your clients deliver a winning benefits lineup. 

What’s inside: 

• The resilience of HSAs
• Why commuting is a source of frustration 
• Expectations for remote work
• The value of flexible benefits and schedules 
• And more...

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Many employers face the issue of a disconnect between policies their employees enroll in and benefits their employees use. From an employee's perspective, it can be difficult and confusing to know what benefits are available when needed. The burden falls on employers to make their policies accessible and easy-to-understand for employees. 

Help your employer clients ensure their employees are making the most of their benefits; thereby reducing medical, out-of-work and turnover costs, and improving productivity, engagement and employee satisfaction. Download this infographic for an example to support you in helping your employer clients:

• Attract top talent
• Improve benefits usage
• Increase understanding of how benefits work
• Ensure a happy and productive workforce

 

Insurance products underwritten by Transamerica Life Insurance Company or its affiliates.

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As trusted advisors, you have the opportunity to help your clients take a step into a more equitable healthcare future by championing solutions such as first-dollar coverage health plan designs. MERPs (Medical Expense Reimbursement Plans) are proven to lower costs for employers and employees while enabling the elimination of upfront co-pays and deductibles. 

Be an agent of change when you follow the action steps provided in this guide, including how to:

• Inquire if there is a Diversity, Equity and Inclusion (DEI) council or committee within the organization you are speaking with
• Encourage your clients to create a sub group focused on benefits from a cross section of employees across the organization
• Ensure clients consider employee salaries when determining staff contributions to premiums
• Rethink high-deductible plans
• Introduce an innovative approach to health plan design with first-dollar coverage
• And more...

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For many clients, managing healthcare benefits costs by reducing coverage or increasing deductibles is a way of life. You try to build flexible plans that help clients meet emerging needs in today’s uncertain world. This can help clients retain key talent and recruit new, productive employees, but sometimes clients miss the mark on what type of benefits employees really want and need. This is especially problematic now, as workers in the U.S. resign in droves, looking for other opportunities.

Download this infographic for tips that can help you and your clients build better plans, including three ways to find the sweet spot, which includes:

• Ways to provide better healthcare coverage
• Tactics for doing that without breaking the bank
• How innovative solutions can act as a compensation booster for employees 

Take steps to help clients keep their employees from leaving AND recruit new talent.

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COVID-19 has significantly reshaped employee work patterns, signaling urgent need for organizations to enhance commuter benefits and remote work support.

In Q2 2021, HealthEquity surveyed 1,000+ full-time employees who transitioned to at least part-time remote work because of the pandemic. 

Download the latest eBook from HealthEquity to dive into the research. You’ll discover important trends along with strategies employers can use to meet evolving employee expectations.

In just a few pages, we cover: 

• Attitudes and preferences regarding remote work
• The evolution of benefits during COVID-19
• What drives employee satisfaction
• How employees prioritize their benefits 

These insights will change the way you and your employer clients think about employee benefits as we transition into the “new normal.”

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As the annual enrollment season approaches, it’s more important than ever for benefits professionals to disrupt common HSA myths. Misunderstanding and inaccurate beliefs significantly hinder HSA adoption. 

Download this eBook now for unique insights that can help you educate and inform your clients and members. Inside, you’ll discover:

• 10 common HSA myths
• How HSAs differ from FSAs 
• Ways HSAs can boost retirement readiness 
• Spending and saving strategies 
• And more... 

Take a few minutes to share this with your clients in the run up to annual enrollment. They’ll appreciate the extra support.

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As a benefits adviser, you constantly look for ways to anticipate clients’ needs and exceed expectations. Sometimes that requires outside-the-box thinking and innovative solutions. Strategic enhancements to benefits can address important issues such as recruitment, retention, rewards, and costs, all at the same time. Because remember, a happy client is a loyal client.

Download this playbook for four key tactics you can use to meet evolving client expectations, even when it comes to their toughest challenges. This includes:

• How to address a pressing client need easily
• Ways the quality of benefits can help with recruitment and retention, while still minding the budget
• Helping clients reap financial benefits
• And more… 

PLUS – Get tips from your peers, tried and tested with clients.

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Successful brokers have a plan in place to make sure they are ready for the challenges of open enrollment.  Preparation is key to handling your clients and quoting more business quickly and efficiently in this critical time. It’s also crucial to know what to expect this year in particular and have the right tools ready to make this your best enrollment season yet.

Download his guide to receive tips to help prepare you for a successful open enrollment and close more sales. Topics discussed include:

• Trends for small groups
• Getting to know your audience
• Refreshing your knowledge of specific groups’ needs
• Staying organized
• Retaining your existing clients
• And more... 

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Your clients are under added pressure in a post-pandemic world because their employees' needs have rapidly evolved. It is crucial that you understand their most pressing concerns and show them how you can help them solve talent issues as well as benefit ones. 

Download this quick guide to explore four key pain points and how innovative health insurance benefits can help solve them. Pressing issues include:  

• Compensation Budgets: Introduce a way for employers to spend less and give more with tax-efficient* benefits
• Plan Design Changes: Recommend solutions that neutralize the impact 
• Talent Tsunami: Solve retention and recruitment issues using complementary plans**
• Health & Productivity: Offer strategic wellness support for select groups of employees 

 

*This is not local, state or federal tax advice as each person and each company is unique. It is recommended that you seek the independent counsel of a professional tax adviser. 

**The above referenced supplemental health insurance policies are underwritten by Sirius America Insurance Company (“Sirius America”) and have exclusions, limitations and benefits that vary by plan and state. To obtain a quote or for more details on coverage, contact ArmadaCare. 

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Open enrollment season brings incredible opportunities for organizations to engage and educate their people. This year, learn how to make a bigger impact with less effort.   

Download this white paper to discover five strategies organizations can use to empower smarter spending and enable employees to take control of their healthcare.

What’s inside: 

• How to take advantage of the latest benefits trends 
• The importance of active (versus passive) open enrollment  
• Tools to promote price shopping 
• Ways to engage employees across multiple platforms 
• And more...

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One of the toughest parts of open enrollment for your clients’ employees can be the complicated paperwork. The ability to make plan selections online is becoming more crucial by the minute. To ensure you properly prepare for open enrollment, you need a way to lay plans out with a full benefits package, and do so securely.

It’s key that you set expectations and explain the open enrollment process well so every individual understands what they need to do. Download this guide for insights on how to: 

• Simplify the selection process for employees
• Give online account access  
• Maintain open communication
• Set up notifications for yourself & clients
• Make groups feel secure online

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The COVID-19 pandemic continues to put enormous pressure on organizations to do more with less. According to an analysis from Willis Towers Watson, rising healthcare claims could mean year-over-year benefits cost increases as high as 7 percent. At the same time, mounting revenue loss will restrict budgets well into the future. Clients are looking to benefits advisors to help them find a way forward. 

Download this white paper to uncover six strategies proven to help organizations reduce benefits costs. You’ll discover:

• Why FSA carryover can help maximize FICA tax savings
• How active open enrollment can create new opportunity 
• The value of exclusively offering HSA-qualified health plans 
• How bundling benefits can unlock economies of scale
• And more… 

At HealthEquity, thought leadership is not just about producing interesting content (although we love to dish up fresh insights on topics you care about most). More than that, it’s about sparking meaningful dialogue. We want this paper to be a springboard to a larger conversation. And that reflects how we support the benefits advisors we work with.

So, check out the paper. Then let us know when you’d like to take a deeper dive into proven cost saving strategies. We’ll help you turn ideas into tools you can use to wow clients and reinforce the value you bring to market. 

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After a year of uncertainty, most employers are reluctant to make changes to their primary health insurance plans. What about all the new employee needs that cropped up this past year, related to mental health, retention and compensation?

Download this infographic now and see how these flexible complementary healthcare benefits* create win-win solutions by:

• Closing voids in coverage that lead to financial strain
• Strategically enhancing benefits for new needs, like mental health and well-being
• Providing enrollment timing flexibility (the first of any month; no need to sync with the primary plan)

Primary health insurance plans can't meet these new needs, but the good news is complementary health insurance benefits* can help (whether or not the primary health insurance plan changes).

 

*The above referenced supplemental health insurance policies have exclusions, limitations, and benefits that vary by plan and state. To obtain a quote or for more details on coverage, contact ArmadaCare.

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Platforms for benefits management can help benefits advisors drive faster enrollment, quicker access to benefit information and better healthcare decisions. The right platform can also allow benefits advisors to customize plans, templatize plan options, streamline onboarding, offer 24/7 employee access and enhance group management. 

Download this eBook to discover the advantages of benefits management platforms and explore which platform may be right for you. Inside you’ll find:

• How to select the right benefits management platform to simplify business growth
• Innovative tools to find the best prospects with greater efficiency
• The latest technology solutions and their benefits

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Out-of-pocket healthcare expenses are rising, but primary health insurance coverage is shrinking. This is a huge problem, especially for client decision-makers and business owners who:

• Are tired of spending their after-tax dollars on healthcare.
• Remember the old 100% plans and want worthwhile coverage again. 
• Are looking to retain and attract top talent with robust healthcare benefits.

How do you respond when they come to you with their frustrations? Instead of relooking at all of their benefit offerings, there is a simpler way to layer on health insurance that complements their primary health insurance plan.*

Download this infographic to learn more about a tax-efficient** way to reach “100% coverage” for routine and unexpected medical expenses. Clients have the ability to offer to select employee classes, so they stay in control. 

 

*The above referenced supplemental health insurance policies have exclusions, limitations and benefits that vary by plan and state. For more details on coverage, contact ArmadaCare.  

**This is not local, state or federal tax advice as each person and each company is unique. It is recommended that you seek the independent counsel of a professional tax adviser. 
 

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Restrictions are loosening, more people are vaccinated against COVID-19 and employers are making decisions about how to navigate their return-to-work plan. And after a year of working remotely, employees have new expectations and concerns. Employers have the opportunity to embrace the change and implement strategies that can be positive for everyone.

Download this eBook to discover four ways to create a successful new-normal workplace by responding to the changing needs of employees.

Inside you’ll find strategies to help employers ease the transition by:

• Optimizing parking resources
• Supporting people, wherever they work
• Creating a healthy lifestyle incentive program
• Providing dependent care support

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As the world slowly moves from mostly remote work back to the office setting, one thing many of your employees are not looking forward to is the commute. This gives you an opportunity to completely reimagine how your employees get to work. As you look to develop a strategy and determine how benefits might play a role, it helps to know how another company succeeded.

Download this case study now to discover how the right benefits, technology and expertise can help employees overcome challenges they  face. Topics discussed include:

• Ways to optimize employee parking and reduce overall parking costs  
• How to design and implement sophisticated rideshare and alternative commute programs, with flexible subsidies   
• Options to maximize employee engagement with gamification, incentives and rewards  
• How you can exceed climate and sustainability goals 

Show employees you understand what they need by addressing their challenges in the right way.

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Rising healthcare costs, financial strain and evolving needs make today’s employee benefits landscape complex, to say the least. The fact is, one-size-fits all plans can’t deliver everything your clients and their employees need. A new approach can help you optimize benefits. The benefits stack takes advantage of flexible tools and a business-focused strategy.

Download this guide now to learn how you can leverage innovative complementary healthcare benefits, including:

• New tools to address today's needs
• A business-focused boost for benefit strategy
• Flexibility to layer over any primary plan
• And more… 

Take steps now so you can help clients manage costs while addressing need-it-now priorities.

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Your clients’ employees shouldn’t have to choose between their physical and financial wellness. Because a high deductible health plan (HDHP) with traditional HRA pairing option often comes up short, another option that can make a difference is a medical expense reimbursement program (MERP). This type of program offers more flexibility and  better outcomes for your clients’ workforce, and it can make up for your loss in commission when clients move to HDHPs from traditional plans.

Watch this on-demand video now to learn more about the potential of MERPs, including a breakdown of the advantages for brokers, employers and members. This includes:

• Ways a MERP gives you a differentiator
• No cost fluctuations for employers
• How it can reduce out-of-pocket costs for members
• And more… 

Discover which of your clients are a good fit for this model and help them save money. 

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Even through COVID-19, HSAs have proven to be consistent. While HSA adoption and contributions remained steady, evidence suggests that many members are falling short when it comes to long-term savings. 

This new eBook breaks down the common patterns and shows how employers can help members think beyond spending to increase their healthcare safety net and maximize retirement readiness. 

Download this eBook to see the latest trends and get unique insight into:

• How to support your clients  
• The opportunities for business growth
• Strategies to capitalize on open enrollment 
• The importance of day-one member education
• How account age translates into higher balances

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As employee needs shift, you must help clients adapt their benefits strategies. Addressing today’s biggest challenges requires more options and versatility, and complementary benefits can help you deliver that for your clients. These flexible plans can layer over a primary plan and address an array of employees’ unique needs.

Download this guide now for an overview of what complementary benefits can do for your clients. You will access three use cases so you can see how these options work in practice, including:

• Ways to meet expectations of executives and key strategic leaders
• How to close coverage gaps and counter unintended employee financial strain
• Tactics for providing effective support for mental health and well-being

By offering the right solutions, you can open up a new world of options for clients while protecting their bottom line.

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Successful benefits leaders think beyond employee education and often consider new ways to systematically engage their people. The difference matters. Education involves informing clients’ employees about their benefits, but engagement is about consistently cultivating positive behaviors and habits. 

Download this white paper to discover proven engagement strategies that can help your clients maximize account utilization and propel members on their journey to long-term savings and retirement readiness. 

You’ll find tips to help your clients:

• Drive adoption
• Promote positive habits 
• Measure and benchmark
• Cultivate their own professional skills

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Your clients, like everyone else, cannot wait for things to get back to normal. However, they may not need to wait to start moving forward. You can show them an example of one organization that not only saved 34% on health insurance costs, but also was able to start bringing back furloughed employees because of benefits costs savings, making it so “back to normal” came sooner.

Download this case study now to learn how you can take the success of one organization and implement similar programs for each of your clients’ unique needs. This includes:

• Ways to improve access to health benefits while driving down monthly premiums 
• How to eliminate “chaos” when changing benefits options
• Choices that can make a dramatic impact on your clients’ budget

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Although employer matching is almost universal in 401(k) programs because it incentivizes employee participation, it’s rarely seen in HSAs. New data indicates that may be a significant oversight. 

This new white paper describes five common HSA contribution strategies, highlighting the extent to which they incentivize certain employee behaviors. Then, it puts the employer match to the test by comparing HSAs that use an employer match (29 organizations) to a control group that does not use a match (45 organizations). 

Download this white paper to understand and compare HSA contribution  options. You’ll get unique insight into the effect of various strategies on cost and participation. You will also discover how matching could help your clients:

• Drive adoption
• Incentivize employee contributions 
• Control costs 
• Increase employee satisfaction

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New research reveals that COVID-19 is requiring many people to make difficult tradeoffs when it comes to healthcare. But the data also shows some positive signs. 

Among other things, Health Savings Accounts (HSAs) are helping Americans navigate unexpected costs. And the rise of telemedicine use could help people save even more.   

Download this eBook to see the latest research. You’ll get unique insight into healthcare spending and saving habits and learn strategies that can help support your clients.

What’s inside:

• Attitudes toward HSAs
• Saving priorities
• Trends among families with children
• Rise of virtual healthcare
• And more...

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In these disrupted and unprecedented times, you need to help clients be proactive about keeping their leaders happy and productive. These executives and key leaders often have unique benefit needs and wants, and traditional, primary coverage often fails to fully meet them. Supplemental executive medical reimbursement plans can help, but you need to know the do’s and don’ts of compliance. 

Download this checklist now to get key details so you can help clients find a solution that checks all the compliance boxes. Topics discussed include:

• Why it’s not as simple as policy equals "insurance" 
• Potential costs of violating non-discrimination rules
• The importance of excepted benefits
• And more…

Take steps now to help clients get the coverage they need for their key employees while mitigating any compliance risks.

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While there is no way to know exactly how things might change this year, the reality is that remote work is not going away anytime soon. This means you must continue to adapt and change tactics so your clients still get what they need. It’s important to understand how COVID-19 changed the industry last year and how you can connect with clients moving forward, while ensuring stringent cybersecurity every step of the way.

Download this guide now to get tips to help you navigate the “new normal” and work better remotely. This includes:

• Understanding how legislation impacts you and your clients
• Ways to improve remote open enrollment when you start it this year
• How to ensure stringent cybersecurity measures are implemented
• And more… 

Take steps to make sure your clients’ experiences this year are as good as anything you did in person.

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According to an analysis from Willis Towers Watson, year-over-year benefits cost increases could be as high as 7 percent. Meanwhile, benefits teams are managing an increasingly remote workforce amid ongoing uncertainty. 

Sometimes you can’t immediately cut costs. But you can find ways to extract greater value from existing initiatives.  

Download this eBook to uncover five strategies proven to help organizations lower their benefits costs. You’ll discover:

• Why FSA carryover can help maximize FICA tax savings
• How active open enrollment can create new opportunity 
• The value of HSA-qualified health plans 
• How to transform employee engagement 
• And more…

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More than ever leading organizations are emphasizing healthcare consumerism. But recent research from HealthEquity suggests there’s still a lot of work to do. Using data from a national survey of 1,500 Americans, a new study identifies critical insights that can help organizations promote savvier healthcare consumerism.

Download this white paper now and discover strategies your clients can use to help their people save more, spend smarter and effectively navigate modern healthcare.

What’s inside:

• Trends in consumer behavior
• Ways to optimize HSA plan design
• How telehealth is changing medicine
• The power of price transparency
• And more... 

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After unprecedented turmoil in 2020, savvy advisers and employers are already shaping their benefit strategies for productivity and recovery in 2021. You want to make sure your tactics match the new priorities of clients and their employees that resulted from the past year. As you look to define your focus this year, it’s helpful to examine key trends and emerging needs influencing the employee benefit landscape.

Download this white paper now to learn how to help clients build a more resilient workplace in 2021, giving employees what they need and want. Trends and strategies discussed include:

• How much mental health matters now
• Ways to combat increasing financial strain
• The importance of protecting leadership
• Why benefit flexibility is essential

As you shape your plans for the year, ensure you know what your clients and employees expect so you can help reduce their burdens.

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Having happy, healthy, and productive employees is key, which is why companies are looking for ways to fill coverage gaps for their employees. However, not all gap-fillers are created equal. It’s important to understand how various options stack up when evaluating the balance between coverage, cost, and effectiveness.

Download this infographic now to get a closer look at HSAs, voluntary plans, and innovative supplemental benefits in a side-by-side comparison that shows a clear winner. You will get details on:

• Employee eligibility 
• Waiting periods
• Enrollment flexibility
• And more… 

No matter the budget clients have available, you can work with them to find options to meet their unique needs (even for different groups of employees).

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Reducing employees financial stress, keeping benefit costs stable and enhancing benefit packages are key for employers to maximize the value of their benefits strategy. Brokers are in lockstep, working to devise innovative benefit packages that meet these goals. Explore these resources from MassMutual to help your clients charter a path towards long-term financial security.READ LESS ›

Offer employees an additional wellness benefit at no cost to the employer.READ LESS ›