Resource Center

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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With the changing nature of the pandemic, and the ongoing economic and social challenges, helping people stay the course for retirement is more important than ever. To help optimize retirement incomes, it’s essential to interdependently consider defined contribution (DC) plan decisions around four key components.

Download this eBook now to get insights on these four key components and how taking a more holistic approach can help optimize retirement outcomes. You will learn:

• How organizations’ plan design can address every stage of life to help with things like student debt and emergencies, as well as retirement
• Why even Millennials are thinking about retirement income and action steps you can take to start the conversation now
• If your plans are cyber-security audit ready and how to prepare if they aren’t
• And more… 

Get the insights you need to help clients and their employees make better decisions as they transition to retirement.

 

FOR DEFINED CONTRIBUTION PLAN SPONSOR USE

NOT A DEPOSIT | NOT FDIC-INSURED | NOT GUARANTEED BY THE BANK | MAY LOSE VALUE | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

This magazine is for informational purposes only and is not to be construed as an offer to buy or sell any financial instruments and should not be relied upon as the sole factor in an investment making decision. As with all investments there are associated inherent risks. Please obtain and review all financial material carefully before investing.

Invesco Distributors, Inc. and Invesco Advisers, Inc are indirect, wholly owned subsidiaries of Invesco Ltd. NA1927096

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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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The pandemic fundamentally changed the way Americans access healthcare. It’s now clear that virtual care is more than a stop-gap solution and it’s now an indispensable part of what clients and their employees expect. When used effectively, you can leverage telehealth to strengthen client relationships and provide valuable counsel. 

Download this guide now for insights to help you and your clients choose the right telehealth partner. This includes the importance of eight key items, such as:

• Comprehensive care with benefits that don’t get lost in the shuffle
• Ensuring all care is high quality with continual monitoring and premier providers
• Competitive pricing and health equity
• And more…

Help clients sort through the plethora of options and find a solution that is tailor made for each of your groups. 

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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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Aside from the human cost, heart conditions cost the US approximately $219 billion each year in healthcare services and loss of productivity. For employers, the challenge is to provide healthcare benefits to protect employees against the risks of heart disease and offer long-term support to those most at risk.

Watch this on-demand webinar to hear benefits and clinical experts discuss strategies to mitigate the risks of poor heart health in your company. The session explores:

• The risks of heart disease and how they impact your bottom line
• Cross-company tools and techniques to help employees manage heart health
• Support strategies you can offer to help protect your employees against heart disease
• And more...

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With the pandemic and other stresses in the world, recent data suggests that more people are using drugs and alcohol to cope with the challenges. Substance use does not discriminate based on age, race, education, income, or any other factor. It’s important for you to provide supportive resources for struggling employees.

Download this white paper to discover how you can use quality healthcare and other tools to make a difference. You will learn:

• How to recognize signs of substance use in the workplace
• 6 tips for talking to employees about a substance use disorder
• 3 critical steps for an employee's road to recovery

Take steps now to ensure you are providing a safe and healthy work environment.

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Aside from the human cost, heart conditions cost the US approximately $219 billion each year in healthcare services and loss of productivity. For your clients, the challenge is to provide healthcare benefits to protect employees against the risks of heart disease and offer long-term support to those most at risk.

Watch this on-demand webinar to hear benefits and clinical experts discuss strategies to mitigate the risks of poor heart health in your clients’ workforce. The session explores:

• The risks of heart disease and how they impact the bottom line
• Cross-company tools and techniques your clients can use to help employees manage heart health
• Support strategies that can be offered to employees that will ultimately  help protect your clients against the high cost of heart disease
• And more...

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With the pandemic and other stresses in the world, recent data suggests that more people are using drugs and alcohol to cope with the challenges. Substance use does not discriminate based on age, race, education, income, or any other factor. It’s important for your clients to provide supportive resources for struggling employees.

Download this white paper to discover how you can help clients use quality healthcare and other tools to make a difference. Topics covered include:

• How clients can recognize signs of substance use in the workplace
• 6 tips for talking to employees about a substance use disorder
• 3 critical steps  for an employee's road to recovery

Offer this tool  to help ensure your clients are providing a safe and healthy work environment.

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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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Diversity, Equity, and Inclusion (DEI) is a popular topic in today’s business landscape. Creating a professional environment where all employees feel included is a business imperative. As their broker, you can encourage your small and medium sized business clients to increase DEI in their organization and provide guidance on careful change management policies.

Download this guide to help your clients tailor a simple plan to strengthen their DEI efforts. You will learn:

• What DEI is -  and what it isn’t
• Where your clients can begin implementing changes 
• How inclusivity initiatives should affect your clients' benefits and recruiting 
• Strategies to create and maintain balance in the workplace

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Organic growth is difficult to achieve. Your clients are often distracted by their own challenges and prospects have many choices in the market. 

Download this eBook for a start-to-finish strategy on how to effectively grow your book of business by finding problems, forming insights, and delivering solutions. You will receive practical ideas for how to:

• Identify your customers’ pain points - both active and latent
• Understand who your point of contact is and what their motivations and goals are to improve communication 
• Connect your clients to the right solutions
• And more...

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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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Job burnout is an issue affecting many of your clients, and the COVID-19 pandemic has only magnified the impact. Your human resources contacts must address burnout in their organizations to optimize employee well-being and boost their business results.

This playbook offers a comprehensive inventory of preventive and curative intervention strategies based in science  to extinguish employee burnout. Your clients will get the answers to these important questions:

• What really causes burnout?
• How does it affect their employees?
• What role has COVID-19 played in burnout?
• What are the best solutions for organizations, teams and individuals?

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Job burnout is an issue affecting most workplaces and the COVID-19 pandemic has only magnified the impact on companies. Human resources managers must address burnout in their organizations to optimize employee well-being and boost their business results.

This playbook offers a comprehensive inventory of preventive and curative intervention strategies based in science to extinguish employee burnout. You will get the answers to these important questions:

• What really causes burnout?
• How does it affect employees?
• What role has COVID-19 played in burnout?
• What are the best solutions for organizations, teams and individuals?

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The “consumerization of health care” is a shift in focus toward individual consumers who are exerting more control over their medical care. HR managers need to understand this trend when evaluating tools to enhance their employee benefits. To increase employee retention and productivity and protect their bottom line, companies must invest in guidance, support and education around their benefits to create better health and financial outcomes.

Download this eBook to find the right solutions that connect benefits to your employees who need them the most. You will learn to:

• Translate the value of your benefits to employees
• Decrease health care costs and increase productivity by investing in your employees’ health and financial wellness
• Create a GPS for benefits

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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.

1714738R1 08/21

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Suicide is the second leading cause of death among 10-34-year-olds and the tenth leading cause of death population-wide. In 2019, 12 million adults aged 18 or older reported having serious thoughts of suicide and 1.4 million adults attempted suicide during the previous year. And the pandemic has only worsened matters. Helping employers provide clear pathways for employees to receive mental health support is more important than ever.

This guide outlines what employers can do to approach the topic of suicide and fight mental health stigma. Download it to help your employer clients to learn how to:

• Address mental health challenges before crisis
• Identify suicide risk
• Use proven ways to intervene
• Lead with compassion and care in their workplace

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Musculoskeletal (MSK) pain isn’t solely a physical condition. The reality is that MSK pain is complex and multidimensional. To address this problem, “whole-body” solutions are essential. When it comes to MSK care for your employees and their families, it’s important to recognize that physical pain is related to mental health, weight, diet and lifestyle and to address MSK care holistically in a way that drives behavior and lifestyle changes.

This white paper shares five best practices leading organizations are adopting to provide a more holistic approach to MSK care by treating the whole-person and what you can do to:

• Build a culture of safety and wellness
• Incentivize healthy behaviors
• Drive personal accountability
• Partner with Environmental Health & Safety
• Identify holistic MSK care providers

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The vast majority of adults (93%) believe suicide can be prevented, according to Public Perception of Mental Health and Suicide Prevention Survey results. This means most people are willing to recognize that help helps. However, severe stigma, limited provider access and availability, and a lack of clinical navigation are all significant issues that contribute to the mental health crisis and increasing suicide rates. Providing clear pathways for employees to receive mental health support is more important than ever, especially post-pandemic. 

Offering a wellness benefit that is designed to address the mental health crisis directly will greatly help your staff. In this guide, you’ll learn how to:

• Address mental health challenges before crisis
• Identify suicide risk
• Use proven ways to intervene
• Lead with compassion and care in your workplace

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Employers and health plans alike have recognized that MSK conditions are commonplace among their employees and members. Pain prevents people from reaching their full potential in both their professional and personal lives. In addition, one-dimensional solutions to MSK pain, such as pain medication and invasive surgeries, are expensive and in many instances ineffective.

Download this tool for your clients to learn five best practices they can adopt in order to provide a more holistic approach to MSK care by treating the whole-person. They will learn how to:

• Build a culture of safety and wellness
• Incentivize healthy behaviors
• Drive personal accountability
• Partner with Environmental Health & Safety
• Identify holistic MSK care providers

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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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Your clients want a workforce that’s healthy and productive. Their employees with chronic heart disease make reaching that goal more challenging because cardiovascular disease causes employees to miss an average of 13 days of work annually. The total monetary cost and loss of productivity leads to $219 billion in lost revenue to companies every year. 

Download this report to show your clients how cardiovascular disease can affect their staff and how to implement preventative measures. Learn about:

• Why heart health matters in their workplace
• How employers can help those at greatest risk for cardiovascular disease
• Resources for employers that really work to improve outcomes 

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Recent research tells us that employee health is crucial to organizational health. Small businesses mainly focus on one thing in that realm - benefits. However, better human resources strategies can also help create a healthier environment for your clients’ employees and their organization.

Download this ebook to learn about HR strategies that improve employee health, organizational health and ultimately the benefits programs of your clients. Help them discover HR strategies for: 

• Training leadership to support employee health
• Improving job quality to increase productivity
• Implementing HR policies and rewards programs to encourage healthy choices
• Providing thoughtful organizational communication 

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You want a workforce that’s healthy and productive. Employees with chronic heart disease make reaching that goal more challenging because cardiovascular disease causes employees to miss an average of 13 days of work each year. The total monetary cost and loss of productivity leads to $219 billion in revenue to companies annually. 

In this report, you’ll find answers to pressing questions about how cardiovascular disease can affect your workplace and how to implement preventative measures. You will learn:

• Why heart health matters
• How you can help employees at greatest risk for cardiovascular disease
• Resources that really work to improve outcomes

 

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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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With high expectations for growth and competition for hiring new talent, many companies are focused on compensation packages and retention strategies. Flexible workforce policies and practices are essential, but employers also need a strong focus on the emotional wellbeing of employees. It’s critical to create a  people strategy that aligns with overall business goals.

Download this complimentary 32-page report, which highlights key insights and takeaways from the 2021 Benefits Strategy and Benchmarking Survey, to learn more about: 

• Sustainably supporting employee wellbeing to optimize organizational success
• Building a more engaged and resilient workforce
• Mitigating health costs through better benefits planning
• Developing successful strategies for attracting and retaining key talent

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When you bring ancillary benefits to clients, you help them protect their employees from the unexpected and compete for great workers, all while building your business and deepening client relationships. However, during enrollment, many brokers find themselves over-involved, taking time away from getting in front of more clients.  To combat this, smart brokers leverage new tools that are available and help from partners to simplify their processes.

In this guide you’ll find out why you’re overwhelmed with your clients’ benefit enrollments and how you can get your time back while still ensuring a great client experience. Download it now and find solutions to these problems:

• The time-intensive benefits education process
• Manual effort and outdated systems causing error and delay
• Reporting and tracking inefficiencies 
• Adding employees outside of normal open enrollment
• And more!

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Do you know how to use your online presence to attract the right prospects and understand your competition? According to Statista, 60% of consumers look for local businesses online. Targeting your local market is essential for benefits brokers. To accomplish this, you must create tailored local online marketing campaigns. 

Download this white paper to learn simple strategies for digital marketing techniques like technical SEO, content optimization, email marketing and more. Covered topics include: 

• How to maximize online content for greater visibility
• The factors that determine online ranking 
• SEO tips and tactics
• And more!

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In a 2020 study, 97% of employers reported they are committed to improving their employee  health and wellness programs over the next few years. Companies that  focus on mental, emotional and financial health along with their employees’ physical health can increase productivity and attract new talent because generations Y and Z prioritize “whole person well-being” packages when looking for employment.

Download this report to help your clients navigate this changing perception in health care to benefit their business. You will learn:

• How whole-person well-being works
• What a focus on well-being means for your clients and their employees’ productivity
• How a plan for employee well-being can help their business

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In a 2020 study, 97% of employers reported they are committed to improving their employee health and wellness programs over the next few years. Companies that  focus on mental, emotional and financial health along with their employees’ physical health can increase productivity and attract new talent because generations Y and Z prioritize “whole person well-being”  packages when looking for employment.

Download this report to discover how this changing perception in health care can benefit not only your employees’ and their productivity, but also your business. You will learn:

• How whole-person well-being works
• What a focus on well-being means for your employees’ productivity
• How a plan for employee well-being can help your business

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The COVID-19 pandemic fundamentally changed the way Americans access health care. Telehealth is the new standard and is evolving right in step with employees' wants and needs. Employees clearly prefer it, especially now that remote work is the norm. To put it simply, virtual care is no longer a “nice-to-have.”

Download this white paper now to get more insights about virtual care and how you can ensure clients and their employees have the benefits they need. Topics discussed include:

• Why telehealth is a silver-bullet solution for the primary care provider crisis
• Ways telehealth brings down costs for chronic conditions
• Reasons it boosts employee satisfaction
• And more… 

Offer clients solutions designed with the demands of today’s businesses in mind.

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As your clients return to the workplace, they may find their employees are facing unique mental health challenges. Creating a return-to-office strategy can be overwhelming and stressful. They need to develop a thoughtful and inclusive approach, rooted in evidence-based strategies, to navigate the future of their organizations and enable employees to do their best work.

Download this guide to help your clients make these decisions for their workplaces which  includes:

• Evidence-based strategies for developing an inclusive workplace culture
• Guidance on how transitions may impact employees differently
• Communication templates to share with leaders, managers and employees

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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 your company returns to the workplace, you may find your employees are facing unique mental health challenges. Creating a return-to-office strategy  can be overwhelming and stressful. You need to develop a thoughtful and inclusive approach, rooted in evidence-based strategies, to navigate the future of your organization and enable employees to do their best work.

Download this guide to help you make these decisions for your workplace which includes:

• Evidence-based strategies for developing an inclusive workplace culture
• Guidance on how this transition may impact employees differently
• Communication templates to share with leaders, managers and employees

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Your clients are constantly facing new challenges and need to adjust to the evolving benefit world, including virtual care, support for mental health, and financial well-being. This is your chance to show them you are a benefit broker who thinks differently – by offering innovative, flexible solutions that tackle today’s problems.

Download this guide now to understand how you can add value, and how to start important conversations with clients. This includes asking six key questions, such as:

• How has employee turnover changed or increased this year? 
• What employee groups are especially difficult to recruit? 
• What are you hearing from employees? 
• And more… 

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

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As you look to help your employees, you know that many blanket wellness programs, especially employee assistance programs (EAPs), aren’t able to provide the personalized approach your bottom line and your workforce might benefit from most. If you could create targeted interventions, tailored to meet employees’ specific needs, they could actually incite healthier behaviors and happier, more engaged employees. 

Download this white paper now to get a better understanding of what a successful, targeted invention looks like, and five mistakes you should avoid. These include why you should not:

• Rely solely on medical claims data
• Make quick ROI the primary goal
• Expect to launch an intervention and then think you’re done
• And more… 

Designing effective interventions requires deep, actionable insights into your members’ risk profiles and gaps in care. Take steps to ensure you succeed.

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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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As you implement mental health care programs for employees, you already know it’s difficult to achieve something that fosters a sense of belonging, acknowledges cultural diversity, and considers intersecting social identities. No one doubts the need for more diversity among mental health professionals, but research confirms it’s not enough. Now is the time to figure out how to deliver better outcomes.

Download this white paper now to get tips on how cultural humility – appreciating the dimensions of cultural identity most important to the individual while recognizing that their cultural experience can’t be learned or fully understood – can make a difference. You will also learn about:

• The urgency of cultural humility training (Spoiler alert: It’s more important than cultural competence)
• The essential elements of cultural humility development and measurement
• The all-important pathway from cultural humility to belonging
• Ways to ensure access to culturally-centered care

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It’s easy to tell your clients they need to offer their employees mental health care, but it’s harder to ensure they get something that fosters a sense of belonging, acknowledges cultural diversity, and considers intersecting social identities. No one doubts the need for more diversity among mental health professionals, but research confirms it’s not enough. Your clients need your help to deliver better outcomes.

Download this white paper now to get tips on how cultural humility – appreciating the dimensions of cultural identity most important to the individual while recognizing that their cultural experience can’t be learned or fully understood – can make a difference. You will also learn about:

• The urgency of cultural humility training (Spoiler alert: It’s more important than cultural competence)
• The essential elements of cultural humility development and measurement
• The all-important pathway from cultural humility to belonging
• Ways to ensure access to culturally-centered care

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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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Every year, you work hard to deliver benefits and resources to improve the health of your workforce. Adding additional offerings may help, but how do you measure if they actually improve employees’ health outcomes? The answer is in how you leverage data about your workforce.

Download this guide for insights on how you can use actionable intelligence to create a benefits program that actually delivers better health outcomes. This addresses six key ways, including how to: 

• Answer your most pressing questions quickly through data
• Focus on strategies that mitigate risk and decrease costs
• Reallocate the budget/time currently dedicated toward manual tasks
• And more...

 

GENERAL DISCLAIMER

SPRINGBUK, INC.

External Links

The appearance of external links on the Springbuk Web Site does not constitute an endorsement of the products, services, or opinions of the author by Springbuk Inc. Any links are being provided as a convenience and for informational purposes only. Springbuk Inc. bears no responsibility for the accuracy, legality or content of the linked external site or links beyond the initial link. You are subject to that site's privacy policy when you leave our site. 

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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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Navigating the complex healthcare system is always a challenge, so creating a more frictionless experience for employees is a top priority. And understanding how the highly-fragmented system for musculoskeletal (MSK) care leads to suboptimal outcomes is the first step to making things better.

Download this report now for insights into the current experience, which is often poorly coordinated resulting in conflicting treatment advice that leads to inefficient and ineffective care, with poor outcomes and a hefty price tag. You will also learn:

• What many employees say they want (spoiler alert: it’s holistic)
• Ways integrated virtual care can provide what they seek
• How to break free of the current tunnel-vision approach
• And more... 

Discover how you can make sure the benefits you offer take a patient-centered approach and change the paradigm.

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Navigating the complex healthcare system is always a challenge, so creating a more frictionless experience for your clients and their employees is a top priority. And understanding how the highly-fragmented system for musculoskeletal (MSK) care leads to suboptimal outcomes is the first step to making things better.

Download this report now for insights into the current experience, which is often poorly coordinated resulting in conflicting treatment advice that leads to inefficient and ineffective care, with poor outcomes and a hefty price tag for employers and health plans. You will also learn:

• What many employees say they want (spoiler alert: it’s holistic)
• Ways integrated virtual care can provide what they seek
• How to break free of the current tunnel-vision approach
• And more... 

Discover how you and your clients can make sure the benefits you offer take a patient-centered approach and change the paradigm.

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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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When your clients, especially those at small businesses, become swamped with manual benefits tasks, they can’t focus on the higher-value parts of their job. They need your help to understand that end-to-end digital benefits can save them time, money and effort and allow them to focus on their people, not the benefits process. 

Download this handbook now to help clients embrace a better digital benefits experience. 5 key topics discussed include:

• Faster onboarding to get coverage up and running
• Simplified enrollment to alleviate the burden on HR
• Digitized employee information that’s easy to view and change
• Zero-reconciliation billing with simple click-to-pay
• Easier, automated claim processing

Take steps now to help clients make the dream of digital benefits a reality.

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Chronic pain is the second most common reason employees call in sick, next to the flu. Physical pain has a human cost in lost wages, reduced quality of life and ultimately workers’ mental health. People afflicted with back, neck, or joint pain often suffer from other chronic disorders including depression, heart disease, obesity, and diabetes, which influence their pain and increase the impact of their chronic condition.

Business and HR leaders are turning to digital musculoskeletal care as a scalable, convenient solution to tackle these high costs of pain. This report includes an incredible case study of a digital solution proven to increase employee productivity while reducing pain, opioid use and surgeries. 

Download this report to give your clients solutions to improve their benefits, reduce costs and improve productivity; including how to: 

• Foster greater collaboration between benefits and safety teams
• Improve efforts to educate employees about their benefits
• Provide comprehensive preventive care and treatment that includes exercise, mind-body therapies, and psychological or behavioral counseling
• Offer a digital solution that employees can access anywhere, anytime

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Most employers are somewhat aware of the cost of musculoskeletal pain in their workforce. People afflicted with back, neck or joint pain often suffer from other chronic disorders including depression, heart disease, obesity, and diabetes, which influence their pain and increase the impact of their chronic condition. 

This report dives into strategies to help employers save money on health care costs, reduce absenteeism and increase productivity, including how to:

• Foster greater collaboration between benefits and safety teams
• Improve efforts to educate employees about their benefits
• Provide comprehensive preventive care and treatment that includes exercise, mind-body therapies, and psychological or behavioral counseling
• Offer a digital solution that employees can access anywhere, anytime

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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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During your interactions with clients, what you say and how you say it makes a huge difference. As participants review retirement plans, it’s essential you understand how much has changed. Many factors, such as longer lifespans, more active lifestyles, supporting or caregiving for family members, and rising healthcare costs, continue to add to the complexity and disparity of how people live during retirement.

Download this executive summary for 3 actionable insights that can help reduce the disconnect between what you or the plan sponsor say and what participants hear.  The 2021 DC language study uncovered:

• Ways to demystify the investment menu with the right language
• Positioning target date and target risk funds clearly to help participants find the right fit
• Best ways to communicate retirement income benefits to Millennials and Gen X

Discover how using clearer language – with less industry jargon – can help participants better understand their plan options and make more informed decisions.  You can help plan sponsors close the gap of confusion and misunderstanding by carefully selecting words that truly resonate with participants as they navigate turning retirement savings into retirement income.

 

FOR DEFINED CONTRIBUTION PLAN SPONSOR USE ONLY

This material is based on Invesco’s work with Maslansky + Partners. Invesco is not affiliated with Maslansky + Partners. This material is for illustrative, informational and educational purposes only. Words and phrases utilized should always be appropriate, applicable and provable. We make no guarantee that participation in this program or utilization of any of its content will result in increased business or higher participant rates.

This does not constitute a recommendation of any investment strategy or product for a particular investor. Investors should consult a financial professional before making any investment decisions.

Invesco Distributors, Inc. Invesco Advisers, Inc. NA5111 © 2021 Invesco Ltd. All rights reserved.

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In the past couple years there has been an increased need for education and support regarding racial injustice. Companies and employees are suffering from trauma resulting from witnessing or experiencing racial bias and violence. It’s important you understand how to support your employees’ well-being during this time of heightened exposure to racial violence.

Download this guide now and learn:

• What is racial trauma?
• The impact of vicarious trauma stressors
• Symptoms of racial trauma
• How to support employees

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In the past couple years there has been an increased need for education and support regarding racial injustice. Companies and employees are suffering from trauma resulting from witnessing or experiencing racial bias and violence. It’s important your clients understand how to support their employees’ well-being during this time of heightened exposure to racial violence and discrimination.

Use this guide to help your clients understand how to help their employees with this sensitive issue. In it they’ll find answers and practical strategies to consider, including:

• What is racial trauma?
• The impact of vicarious trauma stressors
• Symptoms of racial trauma
• How to support employees

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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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Today’s healthcare plans are undergoing considerable changes and transitions, especially due to the effects of COVID-19. From skyrocketing costs to industry consolidation, the industry is facing challenges like never before. But with agile analytics, we can use benefits and integrated claims data, to illuminate recommendations and guide clients with confidence.

Download this in-depth guide and see 10 ways you can use analytics to guide and advise your clients, earning their trust. You’ll be able to provide clients with more affordable and engaging benefits solutions by answering key questions like:

• Where are there short-term and long-term cost savings opportunities?
• How can we accelerate the adoption of virtual care?
• What’s impacting employee productivity?
• Where can we reduce specialty Rx spend across a client’s plan types?

Innovate for your clients using health analytics. Bring in what they need and provide an integrated view of their Total Reward strategy. Offer collaboration and data-driven decisions to ultimately retain a healthier and more productive workforce!

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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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Many of your clients, especially the small businesses, have trouble figuring out which federal employment laws apply to them. Some mistakenly assume that since they’re too small to have responsibilities under one law (such as FMLA), then they don’t need to pay attention to the others. This becomes even more difficult in seasons where regulations and laws change at a rapid pace, like in the wake of the COVID-19 pandemic.

Download this guide now to use as a tool to help clients navigate the shifting regulatory landscape and help them avoid costly mistakes. You will be able to help them understand:

• The details of the COVID-19 leave law
• Changes to overtime regulations
• Different compliance thresholds 
• And more… 

Show clients they can rely on you as a trusted resource as you help them master today’s changing benefits and regulatory environment.

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More than half of the American population suffers from back, shoulder, knee, and other joint pain. This is why musculoskeletal (MSK) medical spend is a top benefit cost driver for many employers – greater than heart disease, cancer, and diabetes. The shift to working from home over the past year aggravated the issue, with many employees experiencing new pain due to remote work.

Download this report now for a deeper dive into the underlying trends behind these rising costs and insights into how you can redefine MSK care and better manage spend. You will also learn about:

• The costs, types of treatments, and treatment settings over the last decade
• How COVID impacted MSK trends in 2020 and implications for the future
• Actionable insights on how to better manage MSK spend and care

Take steps now so you can make informed decisions, keep costs low, and keep your employees healthy. 

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More than half of the American population suffers from back, shoulder, knee, and other joint pain. This is why, for many of your clients, musculoskeletal (MSK) medical spend is a top benefit cost driver – greater than heart disease, cancer, and diabetes. The shift to working from home over the past year aggravated the issue, with many employees experiencing new pain due to remote work.

Download this report now for a deeper dive into the underlying trends behind these rising costs and insights into how you and your clients can redefine MSK care and better manage spend. You will also learn about:

• The costs, types of treatments, and treatment settings over the last decade
• How COVID impacted MSK trends in 2020 and implications for the future
• Actionable insights on how to better manage MSK spend and care

Take steps now so you and your clients can make informed decisions, keep costs low, and keep clients’ employees healthy.

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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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As the way you communicate and connect with clients continues to evolve, especially in the wake of the pandemic, how you tackle problems is as important as finding the most powerful solutions. Defining yourself and your style can help you pinpoint your strengths and understand how you approach each client. This gives you the keys to solve major issues while forging better relationships.

Download this guide to discover which of the five basic consulting types best suits you and use the ideas and solutions outlined to improve your client communication. Find out if you are naturally:

• The Fixer
• The Strategist 
• The Trend-Setter 
• The Financial Whiz or
• The Defender 

Get insights on all the types of brokers so you cannot only find ways to maximize your potential, but deliver fresh ideas on innovative benefit solutions.

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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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It can be hard to guide clients and their employees toward different health plans when they do not understand what a deductible is or the difference between an HSA and an HRA. While you can take time to teach your clients’ benefit manager, it is nearly impossible to reach every single employee to ensure they know what type of benefits they want and need. Additionally, this type of education is simply another crunch on your time during open enrollment, when you also need to focus on growing your business.

Download this guide for a client tool they can use with their employees to explain crucial health insurance terms. It includes info on:

• The different types of plans available
• The savings options, such as HSAs, FSAs, and HRAs
• Terms used related to costs
• And more… 

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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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The previous year and the coronavirus pandemic fundamentally shifted the way your clients and their employees get healthcare. As you help clients adapt to this paradigm shift, finding ways to help them manage their limited budget for healthcare, while avoiding passing along too many costs to their employees is key. This is especially critical when it comes to care for musculoskeletal conditions.

Download this white paper now for 5 trends in the musculoskeletal arena, as well as 5 benefit strategies to follow in 2021. Topics discussed include:

• The problems created by remote work’s sedentary lifestyle
• What the deferment of elective surgeries means for the bottom line
• Ways to focus on issues with the highest ROI potential
• How a more holistic and long-view approach helps
• And more… 

PLUS – 3 questions you need to ask when rethinking your approach to benefits this year.

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The previous year and the coronavirus pandemic fundamentally shifted the way your employees get healthcare. As you adapt to this paradigm shift, finding ways to manage your limited budget for healthcare, while avoiding passing along too many costs to your employees is key. This is especially crucial when it comes to care for musculoskeletal conditions.

Download this white paper now for 5 trends in the musculoskeletal arena, as well as 5 benefit strategies to follow in 2021. Topics discussed include:

• The problems created by remote work’s sedentary lifestyle
• What the deferment of elective surgeries means for the bottom line
• Ways to focus on issues with the highest ROI potential
• How a more holistic and long-view approach helps
• And more… 

PLUS – 3 questions you need to ask when rethinking your approach to benefits this year.

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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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Your employees continue to look for better connectivity, giving them what they need when they want it is key. Healthcare is set to undergo a huge change in the way it's delivered and you want to ensure your workforce is getting the best experience possible. One way to see how things might change, and how you can help break down barriers, is to examine what FinTech did successfully in terms of user experience.

Download this white paper now for 5 best practices on how to provide a better healthcare experience for your employees. This includes looking for solutions that:

• Recreate, instead of just redesigning the care experience
• Adopt a “mobile-first” approach
• Ensure patient data protection and privacy
• Address multiple needs at once
• Remain affordable

Find out how having a vested interest in virtual health can ensure you help change the industry and better serve your employees.

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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 ›