Resource Center

As Americans continue to age, the market for chronic and long-term care solutions will continue to grow. Many of your clients’ employees (of all ages) don’t understand the options for long-term care and how much it costs. Use the results of a recent survey to determine what your clients and their employees need so you can deliver appropriate solutions.

Download this report now to get an overview of consumer perceptions on chronic care, including what they do and don’t know. This includes:

• The growing impact of chronic illness in the United States
• Why many people are not prepared financially for the possibility of a chronic illness
• How well people understand the solutions available to them

Leverage this data into customized chronic care offerings for your clients, so their employees can get the support they need.

COVID-19 has altered the 2020 healthcare landscape as many analysts now predict a net-decrease in costs for 2020. However, this trend will be short-lived as the prognosis for 2021 and beyond is much worse.

These realities will likely significantly impact 2021 budgets and the savings from 2020 will not be sufficient to offset these upcoming cost increases. With this in mind, you must consider strategies to directly address impacts on healthcare cost and access to care to mitigate long-term effects of the pandemic.

Download this white paper to get a better understanding of what you can expect to change as the coronavirus continues to cast a shadow over healthcare so you can budget accordingly. You will learn: 

• 4 healthcare cost scenarios employers should be concerned about
• Predicted healthcare cost impact models
• Strategies that impact the healthcare cost problem

As most of the world continues to react to the pandemic, take the opportunity to be proactive and prepare your business and employees for what’s to come.

These times are unprecedented, and the future appears rocky. It’s hard to know what client needs will come your way. As the coronavirus and economic crises continue to unfold, clients may need to pivot or address specific needs. You can be ready to help them make the right benefit changes for their businesses and their employees. Prepare with creative new strategies to meet these new and unpredictable needs. 

Download this how-to-guide to be ready to meet clients where they are now and where they will be next year. One way to do this is through employer-paid supplemental insurance plans. These solutions can help address client needs and:

• Soften the impact of unanticipated primary medical plan changes
• Control costs by leveraging tax efficiency*
• Address specific problems or needs during and after this time

By offering flexibility and helping clients adapt to the changing environment, you can show your value and enhance your relationships in an uncertain time.

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

Many of your clients continue to struggle with potentially crippling health care costs while trying not to put too much of a burden on their employees. Solutions often involve using some sort of High deductible health plan (HDHP). Another offering that can help is a medical expense reimbursement program (MERP), which runs adjacent to an HDHP and pays workers’ medical claims as they come in. This type of product can help your clients get more from their investment into employee health care, and having it in your toolbox can help differentiate you amongst your competitors.

Watch this on-demand video now to get a better understanding on how a MERP works and why it may be the right solution for you and your clients. This includes:

• The advantages of a MERP over a traditional HRA
• Why this offering would appeal more to fiscally conservative clients 
• Ways a MERP limits out-of-pocket costs for employees
• The benefits consultants/brokers receive in terms of end-to-end support and consistent compensation

Your clients are looking for new and different ways to combat health costs. Demonstrate why a MERP may be the best offering for them.

In this time of uncertainty, employees are thinking critically about what matters most for their families. The COVID-19 crisis will affect each family differently, but overall an increased focus on health and finances is likely. Offering voluntary benefits (particularly health-related ones like critical illness, disability or hospital indemnity) can provide peace of mind for your clients’ employees by filling any coverage gaps in a flexible, and relatively inexpensive, way. This is especially true if your employer clients have to cut back on core health plans in order to conserve cash in this difficult time. 

Download this white paper now to understand 10 reasons your clients and their employees want voluntary benefits. This includes:

• Ways they fill coverage gaps
• Portability 
• Tax savings
• Higher morale
• And more… 

Now is the time for your clients to move forward with a more tailored approach to employee benefits - one that will help their employees through this difficult time and ensure they can maintain their bottom line as well. Get info to help them understand the role voluntary benefits can play!

During this time of increasing stress, the global mental health crisis is no longer something employers can ignore. Many of your clients’ employees experience undiagnosed mental health issues, and as they struggle to cope with problems, it interferes with (and limits) both their work and life. While your clients may know it is imperative to improve access to mental healthcare and reduce the stigma associated with mental health conditions, they may not know how to achieve these goals. However, you can help.

Download this report now to get insights on how many employees feel about mental health and what the responses can teach your clients. Topics discussed include: 

• The size and scope of the problem, including how much it affects younger workers
• Why many employees don’t seek help
• What employees want from their leaders
• Four recommendations  your clients can implement to advance mental health resources and support

Employees may be feeling more stress now than ever, harming productivity and ultimately hurting clients’ bottom line. Take steps now to show them how to give workers the resources they need.

While PEOs are designed to help your clients, this relationship may actually be costing them too much, during a time when every cent matters. Clients using PEOs may not understand what they are actually paying for and if they are getting the most bang for their buck, especially when it comes to administrative costs or technology. That is why now may be a good time to help them unbundle. You can take steps to help clients gain control and break free of their troubling PEO relationships, while offering them beneficial alternative solutions for their HR needs.

Download this toolkit now for a variety of resources to help you lead a client out of a problematic PEO relationship. This includes:

• An email template and flyer to help you start the conversation with clients
• A walkthrough of of the benefits of moving HR functions back in house and partnering with an HCM expert
• A checklist to guide you and your clients through the change process

Clients often join a PEO to reduce costs and increase efficiency. But if it turns sour, they need you to help them unravel the true cost versus benefit and show them a better way.

In this time of uncertainty, your clients feel more overwhelmed than ever. They likely don’t have the bandwidth to sort through different supplemental health options before their upcoming open enrollment. To help them, you need to be able to explain the distinctions between benefits options, and understanding and translating the vocabulary can make a big difference. For example, do your clients know about employer-paid supplemental plans and how much more it can cover? Armed with this knowledge, you can point clients toward solutions that work better for their unique organizational needs and employees. 

Download this guide now to get insights on how supplemental health insurance works in theory and practice, and the terminology you need. You will be able to explain to clients:

• What types of supplemental health insurance exist
• Key differences between types of plans, as well as the advantages and disadvantages
• Why adding supplemental insurance to what they offer to employees makes sense
• And more… 

Use this guide to direct your clients to benefits that are right for their organization. This can help them reduce expenses while still providing employees the coverage they need.

During this difficult time in our world, you may need extra help as you try to keep up with client questions and demands. One option for assistance are general agents (GA), especially if you compete against larger brokerages with more resources at their disposal. However, many brokers have misconceptions about working with a GA. It’s important to get a better understanding of the benefits so you can make the right choice to help grow your business.

Download this eBook now to learn how a “broker’s broker” can help improve your efficiency and broaden your offering, and the basic services you should expect. You will also learn:

• Which specialized support services may be available 
• The truth about how working with a GA could impact your compensation
• The answers to other common questions about GAs
• And more...

Don’t continue to struggle with an increasingly difficult workload when there are promising options available. Find out how working with a GA can change your business for the better.

A healthy, resilient workforce is often described as the most valuable asset of any business. Yet many employers witness the deterioration of this asset due to health problems that result in absenteeism, excessive turnover, lost productivity, and higher insurance premiums — all of which can threaten profitability. Understanding the bond between corporate and employee health, as well as proactive measures employers can implement to resolve the enormous challenges employee health costs create, is critical for brokers and HR managers alike.

Download this eBook now to get more information on why your clients should establish workplace health programs and how voluntary employee benefits can help. You will learn about:

• Four targets to help reduce healthcare costs
• The economics of a healthy workplace and why it’s a win-win strategy
• How improving employee wellness increases clients’ financial health
• Ways small steps can yield huge results
• Tactics for designing effective and engaging workplace wellness programs

Making sure your clients’ employees stay healthy can get pricey, but continuing health problems cost far more. Helping clients make even incremental improvements can make a big difference and show your value as a trusted partner. 

When trying to help clients understand different supplemental health options, sometimes it’s best to go back to basics. If you are able to point to individual examples, you can show the specifics of how different types of plans help their employees remove any gaps in coverage. This approach also helps you demonstrate that all plans are not created equal and which choices are best for their organization and employees.

Download this infographic now for a simple way to show clients a direct comparison of two people with the same medical conditions and different supplemental health coverage. You will help clients to understand:

• How various plans cover medical expenses differently 
• Why expense reimbursed insurance plans can help both clients and employees
• Ways to leverage their new knowledge to protect their bottom line 

Sorting through the wide variety of supplemental health options can be confusing and overwhelming. Help your clients cut through the clutter with this tool so their benefits options will best serve their employees.

With recent social distancing policies, workforces are struggling to get in-person care for their chronic back and joint pain; meanwhile social isolation is compounding the mental health issues that come with chronic pain. Depression and chronic musculoskeletal (MSK) pain are deeply connected and can create a troubling cycle. They are also more common than you think, come with high costs, and are a top 5 reason for absenteeism and presenteeism. Many employers are exploring holistic interventions to help employees break the cycle of emotional and physical pain, and as a way to keep healthcare costs lower and help their organizations overall.

Download this white paper now for key insights on the challenges depression tied with pain can cause and how brokers and employers can help solve them. Key topics discussed include:

• Loss of productivity due to depression or impairment
• An increase in job errors and workplace conflict
• Higher healthcare costs from treatment and disability claims
• 3 steps employers can take to tackle pain and depression

PLUS – learn how one company is addressing high MSK spend while giving their members access to at-home digital care for behavioral health and chronic pain and the promising results they had.

From celebrities and media, to close friends and family, there is a noted uptick in mental health conversations around the world. However, one clear exception continues to be in the workforce, where concerns about the stigma and the negative impact it may have on careers continues to dominate. Because of this your clients likely need help fostering an environment that is supportive of mental health discussions in their workplace.

Download this conversation guide now to use as a tool with clients and help them embrace productive and successful mental health discussions with employees. Topics covered include:

• What needs to happen with body language
• Why confidentiality is key
• Specific tips on what needs to be conveyed during the conversation
• How to follow-up on these types of discussions well

There is no health without mental health, so your clients need your assistance to ensure mental wellness is valued from the top and visibly endorsed by their CEO and all managers. Give your clients the helping hand they need to make sure their employees stay satisfied and productive.

It’s a new tactic getting more buzz in the industry, but your clients need to know what human capital management (HCM) is and how to make it work for them. It’s easy to see how large companies with more resources can leverage HCM platforms, but there are also options for small- and medium-sized clients that will help them compete. They just need you to walk them through solution options that may work for their needs.

Download this eBook tool now that you can give to your clients to help them understand how they can use HCM platforms in their organization to streamline complex processes and promote efficiencies. This includes:

• Ways to leverage specialists on common issues
• How to stay current on changing regulations
• Tactics for better managing people and their benefits
• Methods to tackle other top benefits challenges head-on

PLUS - When you download you’ll be contacted about receiving access to a customizable version of the eBook that is specifically branded for your organization and shareable with your clients!

Take steps now to show your clients why you are a trusted and valued partner and help them utilize HCM to lighten their HR load.

New benefit trends are emerging quickly, and one thing is clear: the one-size-fits-all approach isn’t enough for employers to keep high-caliber talent on staff. Tailored benefits offer a win-win approach, with many addressing troublesome coverage gaps. The most important way to move forward is knowing how to effectively tailor benefits to give your clients and their employees the greatest advantage.

Download this eBook now to learn about the best ways to tailor benefits – which is the #1 hot benefit trend for 2020. You’ll get insights on three other key industry trends and how to help your clients address them, including:

• Top ways to tackle mental health challenges
• Designing a successful wellness program to be about well-being and self-care
• The rise in fertility treatment benefits

Start the decade strong – coach your clients to address these trends and boost their recruitment and retention strategies.

When employees suffer from chronic musculoskeletal pain, surgeries and pain medication are often overutilized, causing medical claims costs to rise. When an employer can offer alternative options that don’t include unnecessary surgeries or procedures, it can make a real difference, both in terms of the care employees receive and the organization’s bottom line. 

Download this case study now to understand how employers can reduce medical spending and help their employees reduce chronic pain with a digital care program. Life changing outcomes may include reductions in:

• Lost work days by employees
• Physical pain, anxiety & depression
• Medical claims that negatively impact employers’ bottom line and employees’ out-of-pocket expenses

See how Vail Resorts, a premier mountain resort company, tackled pain, mental health, and productivity in their workforce. 

Many of your clients look to High Deductible Health Plans paired with HSAs to control costs and address the coverage gaps that type of setup creates. This strategy helps to offset the immediate problem of rising premium costs. However, when your clients and their employees come face-to-face with other consequences, it can cause trouble.

Download this infographic for a better understanding of how this cost-saving strategy can cause unintended ripple effects. You will also learn how to overcome some of these issues and be able to show clients data about:

• How the strategy may drive employees to look for jobs elsewhere
• How much it costs when clients continually lose talent
• Ways to implement other solutions that can help 

If your clients have plans that include an HDHP paired with an HSA, you must be proactive now before frustrations start to rise. Offer additional solutions now to help strengthen client relationships!

With the incredibly tight talent market impacting all industries, companies continue to look for ways to keep key employees close and health care costs down. To keep top talent from looking for greener pastures elsewhere, employers must help them navigate common twists and turns in the game of life. This includes health and life stage changes which can be expensive – reducing productivity and lowering job/benefits satisfaction. 

Download this infographic now to see a direct comparison between employees with standard medical plans and those with a unique type of supplemental health insurance. Find out how life can be drastically different when:

• A certain medication isn’t covered, 
• An entire family comes down with the flu,
• A family member has changes to their vision,
• Or other major health/life events occur.

Get the facts about different coverages so your clients can make a better choice for their employees. Use this infographic to help employees win in the game of life.

During the busy benefits season, your focus is split between quotes, renewals, and helping your clients enroll employees in next year’s plans. What would really help you during this intense period is a way to make life simpler.

Download this playbook now for 4 key tactics you can use to strategize with new and existing clients to make the new plan year a success. These plays include how to:

• Address pressing client needs
• Boost recruitment, retention and employee satisfaction without breaking the budget
• Help clients reap the financial benefits
• Help maximize utilization to influence program value

Act now and get these tips to help you not just survive your busy season, but thrive in it. These plays will help you score a touchdown for each and every client.

As your clients struggle to control rising primary healthcare plan costs, many shift more of the cost burden to employees. However, with the historically low unemployment and shortage of skills in the open market, there is now a war for talent who can be choosy with what benefits they want. You need to provide clients with a solution to this and other key problems, and help them protect both their talent and their bottom line.

Download this guide now for insights on three common business problems and how you and your clients can solve them through carve-out coverage. These problems include:

• Changes to primary health plans
• Combating retention and turnover costs
• Managing a compensation budget

If your clients feel stuck in the middle as they weigh benefits costs against keeping talent, you can provide them with alternate solutions.