Resource Center

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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Traditional, fully-insured approaches to health coverage failed working Americans even before the pandemic, so the idea of falling back into the status quo this year is unacceptable. Underinsured employees struggle to pay deductibles or out-of-pocket expenses, limiting their access to healthcare. To offer the best to your clients and their employees, you must re-examine what worked in the past and innovate from within the paradigm.

Download this guide now to learn more about what could be a silver bullet clients desperately need. First-dollar coverage allows workers to eliminate out-of-pocket expenses, removing barriers to care, while saving money for your clients. You will discover:

• How you can help provide health equity for your clients’ workforce
• The advantages and challenges of first-dollar options
• How to make first-dollar work within the context of common designs

Your clients don’t have to settle for healthcare options that don’t make sense for their unique needs. Show them how to reduce employee fear of being unable to pay for services.

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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…

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Your workforce likely resembles a family tree, with four generations of employees who have their own perspectives and experiences that guide their habits. Yet, despite their differences, each demographic has two key factors in common: (1) they use technology and (2) they often use only a few passwords for many logins. This means one hacked password can expose both personal and corporate information.

Download this guide now to understand the risks, behaviors, and attitudes of each generation that your organization employs. This includes:

• What Baby Boomers understand about identity and privacy risks
• What Gen Xers expect from their employer for protection
• Why, despite their hyperconnectivity, Millennials lack awareness
• How Gen Z is just as vulnerable to digital threats as any other age demographic

Discover comprehensive and intuitive protection programs that address each generation’s unique needs.

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Your clients’ workforce likely resembles a family tree, with four generations of employees having their own perspectives and experiences. Despite their differences, each demographic has two key factors in common: (1) they use technology and (2) they often use only a few passwords. This means one hacked password can expose both personal and corporate information.

Download this guide to understand the risks, behaviors, and attitudes of each generation that your clients employ. This includes:

• What Baby Boomers understand about identity and privacy risks
• What Gen Xers expect from their employer for protection
• Why, despite their hyperconnectivity, Millennials lack awareness
• How Gen Z is just as vulnerable to digital threats as any other age group

Discover comprehensive and intuitive protection programs that address each generation’s unique needs.

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You often spend nearly a third of your total employee compensation on benefits, but it’s unclear how much value you’re getting for your investment. Fortunately, you’re in a position to create a benefits strategy that keeps the employee perspective at the center of planning and implementation. 

Download this white paper now to get a roadmap so you can achieve your benefits goals and overcome challenges unique to your needs. You will receive: 

• A 6-step process to increase employee engagement
• 9 key questions to make sure you’re aligned with your broker
• A checklist with 4 elements to ensure a rock solid benefits plan structure
• And more… 

Disengaged employees can cost you in lost productivity and missed growth opportunities. Discover how to encourage sustainable, healthy, and financially sound behaviors for your employees. 

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Your clients often pay nearly a third of their employees’ total compensation for benefits, but it’s unclear how much value they’re getting for this investment. Fortunately, you as a broker can create a benefits strategy that helps your clients keep the employee perspective at the center of planning and implementation. 

Download this white paper now to get a roadmap so you and your clients can achieve their benefits goals and overcome challenges unique to their needs. You will receive: 

• A 6-step process to increase employee engagement
• 9 key questions to make sure you’re aligned with your clients
• A checklist with 4 elements to ensure a rock solid benefits plan structure
• And more… 

Disengaged employees can cost your clients in lost productivity and missed growth opportunities. Discover how to encourage sustainable, healthy, and financially sound behaviors for your clients and their employees.

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Your clients’ plans for retirement are often different from reality. Sometimes they end up retiring early due to unforeseen circumstances, or they make an ill-timed change in investments. This is especially harmful in the final 15 years before the target retirement date, dubbed the “transition risk zone.” However, there are ways to help manage the risk during this crucial period. 

Download this white paper now to learn about ways to manage transition risk. You will discover:

• Why nearly half of retirees never make it to their target dates
• How to evaluate TDFs with particular attention to equity risk in the transition risk zone
• Ways to reduce problematic investor behavior
• What can pose additional challenges in the transition risk zone
• And more… 

By understanding the risks, you can provide strategies to help protect clients in the transition risk zone.

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While the pandemic has physically closed off your employees from one another, it also opened minds to the urgent need to address unfolding challenges. Workers are more focused on work/life balance, healthcare access, and overall health and mental well-being. This sets the stage for what to expect in 2021.

Read this article now to get an overview of 5 crucial health and wellness trends you should consider when planning in the new year. These include:

• Caring for the whole person
• Uniting strategies for people and the overall business
• Continued reliance on telehealth 
• A renewed focus on behavioral health benefits
• Entwining social responsibility with health and wellness

While the upheaval brought by 2020 may fade in 2021, the changes it spurred will not suddenly go away. Stay on top of the long-term ramifications and help your organization lead the way.

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While the pandemic has physically closed off your clients' employees from one another, it also opened minds to the urgent need to address unfolding challenges. Workers are more focused on work/life balance, healthcare access, and overall health and mental well-being. This sets the stage for what to expect in 2021.

Read this article now to get an overview of 5 crucial health and wellness trends you and your clients should consider when planning in the new year. These include:

• Caring for the whole person
• Uniting strategies for people and the overall business
• Continued reliance on telehealth 
• A renewed focus on behavioral health benefits
• Entwining social responsibility with health and wellness

While the upheaval brought by 2020 may fade in 2021, the changes it spurred will not suddenly go away. Stay on top of the long-term ramifications and help your clients be better leaders.

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The COVID-19 pandemic has forever altered how and where we work. Even when lockdowns cease, many Americans expect to remain working out of their homes for the foreseeable future, which may create security risks. WFH can make it easier for cyber-criminals to exploit sensitive data, or take down corporate systems via phishing scams, malware attacks, or other digital dangers.

Download this white paper now to learn about best practices your company should implement to help protect against cybercrime. This includes:

• Centralizing the network through a multi-tiered solution
• The importance of using a VPN
• Ways to manage devices centrally
• What your employees need to know

PLUS – get tips to share with remote workers so they can take common-sense precautions and be aware of the latest threats.

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The COVID-19 pandemic has forever altered how and where your clients’ employees work. Even when lockdowns cease, many Americans expect to remain working from home for the foreseeable future, which may create security risks to your clients. WFH makes it much easier for cyber-criminals to exploit sensitive data or take down corporate systems with phishing scams, malware attacks, or other digital dangers.

Download this white paper now to learn the best practices your clients can implement to protect their employees against cybercrime. This includes:

• Centralizing the network through a multi-tiered solution
• The importance of using a VPN
• Ways to manage devices centrally
• Tips to help their employees detect digital scams and dangers

PLUS – get tips to share with your clients’ remote workers so they can take common-sense precautions and be aware of the latest threats.

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With a record number of Americans living in retirement, and more people living longer, retirement income needs are higher than ever before. However, there is often a disconnect between how much money people need during retirement and how much is allowed for in a typical retirement plan structure. Fortunately, you can take steps to address this gap.

Download this white paper now to get insights on solutions for the decumulation/spending portion of the retirement equation. You will learn:

• What the major hurdles are to implementing fixes
• How changing regulations may help in the future
• Which retirement income solutions are available now and how to understand what your clients need

As we enter an entirely new phase in how plans are structured, you must prepare for a broader approach. This will carry your clients through retirement without concern of running out of money.

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Your clients and their 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 must be part of the solution for your clients. 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 clients’ 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 clients.

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For many of your clients and their employees these days it can feel like they are paying more for health benefits while getting less. This is especially the case for smaller clients or those who are self employed since they often choose to shop on the federal or state health insurance exchanges. However, you can help them with creative plan design that gives them proper coverage while protecting their bottom line.

Download this white paper now to learn about innovative options you can present to your smaller clients to show your true value. Help them find non-traditional plans that are better than what’s on the exchanges. You will discover:

• How to keep clients from feeling like they have to do it all themselves
• What the right coverage could look like for smaller businesses
• How you can get training and support for offering these types of plans

Once your clients wake up to the real cost of care in a free market, they will be more willing to embrace affordable and practical methods to manage risk and access health care.

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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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It seems like the strain caused by the COVID-19 pandemic is unending. Now you face additional pressures to manage benefits costs and save money due to the economic fallout. You need smarter ways to provide affordable health benefits while protecting your bottom line. Today, more than ever, alternatives to traditional employer-sponsored health plans, such as Limited Medical Benefit plans, make sense.

Download this white paper to learn how you can recover now and prepare for a changed workforce as the economy bounces back. You will learn:

• How Limited Benefit Medical plans can help those hurt most by the pandemic-induced recession: part-time workers
• Ways to protect you and your employees from financial risk now and in the future
• Strategies that will allow you leverage flexible plan design to help your employees

Discover how to recover from the coronavirus damage and thrive once it’s all over.

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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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It seems like the strain caused by the COVID-19 pandemic is unending. Now your clients face additional pressures to manage costs and save money due to the economic fallout. Your clients need smarter ways to provide affordable health benefits while protecting their bottom line. Today, more than ever, alternatives to traditional employer-sponsored health plans, such as Limited Medical Benefit plans, make sense.

Download this white paper to help your clients recover now and prepare for a changed workforce as the economy bounces back. You will learn:

• How Limited Benefit Medical plans can help those hurt most by the pandemic-induced recession: part-time workers
• Ways to protect clients from financial risk now and in the future
• Strategies that let clients leverage flexible plan design to help their employees

Help clients recover from the coronavirus damage and thrive once it’s all over.

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Given the financial constraints brought on by the pandemic, financial wellness is top of mind for both employers and employees alike. Additionally, the rise in a more remote workforce has made businesses more vulnerable to data and privacy breaches and exposed vulnerabilities to cyber threats, such as hacking, phishing scams, and spam. With all of these obstacles currently in play, clients cannot afford to lose employee productivity due to identity theft or fraud.

Download this white paper now to learn how to reduce financial stress for your clients and their employees. Topics include:

• Why addressing financial wellness with employee benefits is more important now than ever
• How current workplace trends should inform the benefits that you’re offering
• Why identity theft and privacy protection plans are imperative
• How integrating new options into financial wellness programs can help you gain a competitive edge

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Given the financial constraints brought on by the pandemic, financial wellness is top of mind for you and your employees. Additionally, the rise in remote work has made businesses more vulnerable to data and privacy breaches, such as hacking, phishing scams, and spam. With all of these obstacles currently in play, you cannot afford to lose employee productivity due to identity theft or fraud.

Download this white paper now to learn how to reduce financial stress for your employees. Topics include:

• Why addressing financial wellness with employee benefits is more important than ever
• How current workplace trends should inform the benefits that you’re offering
• Why you need to incorporate identity theft and privacy protection and a key employee benefit
• How the right coverage can help overcome complications that arise when combating identity theft and fraud
• Why it makes sense to create a comprehensive protection program that also guards against cybercriminals

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Between uncertainty surrounding schooling and childcare, increased health expenses and more unemployment, your clients’ employees face unprecedented pressure when it comes to finances. The pandemic highlighted the need for financial wellness, which is not something that can be ignored when planning with clients. Financial stress often follows employees to work, leading to lower productivity, and even absences due to physical illness.

Download this guide now to get a full understanding of the financial wellness problem, as well as how clients can help their employees. Topics include:

• Popular options such as HSAs, FSAs & HRAs
• The rising importance of caregiver benefits
• Other ways to help workers, including loans, educational sessions, and mental health support

While open enrollment is when clients lean on you the most, discussing these types of issues is invaluable throughout the year. Ensure they see you as a trusted teammate with smart advice and valuable solutions.

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Due to the pandemic, many clients may be struggling to maintain operations while continuing to offer quality health care benefits to their employees. Yet, prior to COVID-19, many people were underinsured due to either out-of-pocket costs or because of financial strains on their employer. It’s easy to say that no one should have to choose between physical health and financial stability, but with a creative plan-design solution, you can help your clients deliver benefits that give employees what they need.

Watch this on-demand video and learn more about the importance of making sure clients 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 discover:

• How first-dollar coverage works and why it makes a difference.
• Ways to avoid the more traditional, expensive options.
• Strategies to craft a creative health plan that saves money for clients and their employees.

If you are tired of the status quo and the no-win situation of health care for clients and employees, act now to guide your clients toward better health benefits for less.

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While many employer clients are aware opioid dependency is a problem, they may not know the pathway that leads workers to opioid misuse: chronic back and joint pain – and how big of an issue it is amongst their own employees. Especially now that many employees are working remotely and dealing with a variety of new causes for chronic pain, opioid dependency may lead to major problems for your clients.

Download this white paper to help your clients understand the magnitude of the problem and identify solutions. This includes:

• How clients can disrupt a common pathway from chronic pain to opioid misuse
• Productive ways clients can help employees manage pain in smarter, safer ways
• Tactics that can save employers and workers money by avoiding surgeries

PLUS – Get details on how one major employer tackled the problem so you can help clients duplicate their success and avoid mistakes.

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While you may be aware opioid dependency is a problem, you may not know the pathway that leads workers to opioid misuse: chronic back and joint pain – and how big of an issue it is amongst your employees. Especially now that many work remotely and deal with a variety of new causes for chronic pain, opioid dependency may lead to major problems for your organization.

Download this white paper to understand the magnitude of the problem and identify solutions. This includes:

• How you can disrupt a common pathway from chronic pain to opioid misuse
• Productive ways to help employees manage pain in smarter, safer ways
• Tactics that can save both you and your workers money by avoiding surgeries

PLUS – Get details on how one major employer tackled the problem so you can duplicate their success and avoid mistakes.

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Even as you face evolving employer demands, such as healthcare cost control and limited compensation budgets, it’s important to stay strategic. This is especially crucial now when it’s harder to meet with clients face-to-face. Easy solutions that help clients fill coverage gaps quickly are key. Since one-size-fits-all primary plans can’t solve many client problems, you simply don’t have the time to waste searching for innovative solutions.

Download this guide now for four quick plug-ins to keep in mind so you can strategically protect clients from the pain of primary medical plan changes with flexible and robust options. They include:

• Ways to solve business issues – proving your value
• Helping clients find creative ways to boost compensation
• Tactics to help clients retain and reward critical talent (including high-turnover positions)
• Showing clients how to unlock cost savings for primary plans by planning ahead 

As you juggle a wide range of client needs, you must stay proactive and find ways to offset what might be missing from new primary plans.

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It doesn’t matter whether it’s because of a global pandemic, a recession, or a short-term market correction, sometimes retirement plan investments lose value. When this happens, plan participants (and their lawyers) look for someone to take the blame. So what happens when the target-date funds (TDFs) you picked suddenly lose a lot of money, as many did in early 2020? The answer depends on how you picked it, and how well you documented the choice.

Download this white paper now to get key insights from an ERISA attorney on all the relevant factors for selecting and monitoring a plan’s investments. You will also discover

• Why two TDFs with the same target date may share almost no other common characteristics
• What exactly ERISA requires fiduciaries to do
• When and why you ought to get help from an expert
• DOL tips for selecting TDFs
• And more… 

Now is the time to take a good look at your fiduciary process for TDF selection and ensure you account for all relevant factors. 

 

The opinions expressed are those of the author and are no guarantee of the future performance of any American Century Investments fund. Brad Campbell and Faegre Drinker are not affiliated with American Century Investment Services, Inc.

Neither the paper nor the Target-Date Blueprint provide legal or investment advice. Plan fiduciaries should seek appropriate legal or other counsel to evaluate their specific circumstances.

FOR FINANCIAL PROFESSIONAL USE ONLY / NOT FOR PUBLIC USE
©2020 American Century Proprietary Holdings, Inc. All rights reserved.

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As primary plan coverage shrinks, coverage gaps widen and employees face rising out-of-pocket healthcare expenses. Your clients can’t afford to ignore this reality. Innovative supplemental insurance can help them offer more valuable support to employees at all levels while managing costs. These plans offer coverage for life’s routine and unexpected healthcare needs. 

Download this infographic now to show clients a side-by-side comparison. See the coverage difference for one employee with innovative supplemental benefits and another with only a primary plan, including the cost when a client’s employee: 

• Breaks a leg
• Needs mental health support
• Requires dental work

Get the facts about gaps in coverage, so your clients can leverage the power of innovative supplemental healthcare insurance plans to make better benefit decisions. 

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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 ›

Imagine how your book of business would change if you could introduce clients to a high-performing, self-insured healthcare plan without additional risk. Pareto Health opens up a world of possibilities—both for mid-sized employers and top-tier consultants seeking to differentiate themselves in a crowded market.

The best stop-loss in the industry protects clients from the year-to-year volatility traditionally associated with self-insurance. With over 325,000 enrolled employees and $410M in stop-loss premium, Pareto has the size and scale to:

• Back a multi-year, no new laser policy 
• Deliver on a 30% rate cap commitment  
• Provide forward protection for large, ongoing claims
• Spread risk and large claims in ways that competitors cannot

Download this infographic to help clients buy the right amount of insurance—and win more business with stronger stop-loss. 

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Many of your clients turn to high deductible health plans (HDHPs) as a way to contain healthcare costs, especially since the pandemic put a crunch on budgets. But as primary coverage shrinks, and coverage gaps widen, your clients’ employees face new and serious financial hardships. As all parties struggle to fund HSAs, clients look to you for better options to help their employees.

Download this infographic now to get a comprehensive look at data that shows growing gaps created by high deductibles. You will get a better understanding of:

• The financial risk for clients and their employees
• What employees are most concerned about
• The hidden costs that can come back to bite employers
• How to close the coverage gaps

Act now to help your clients learn how to spend less and provide more through smart reallocation. Give them a range of options to satisfy employees at all levels.

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As you and your clients grapple with current and future unknowns, the #1 tool in your arsenal is benefit flexibility. Offering options that cater to a wide range of employer needs, employee levels and budgets is key. 

Download this infographic now for five benefits planning considerations to ensure each client gets a benefits package that meets their specific needs. These considerations include:

• Timing of plan changes
• The business problems any plan changes would address
• Which employees would get access to certain benefits
• And more… 

Just because the COVID-19 pandemic has created chaos for many employers, benefits coverage doesn’t have to be a pain point. Staying agile and willing to change when your clients encounter challenges can result in better coverage for employees and savings.

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Wild swings in healthcare and insurance costs have made a mess of traditional approaches to employee healthcare — and resulted in a marketplace ripe for disruption. Most mid-sized clients are either fully-insured (over-insured) or self-insured (under-insured), and many are tired of chasing the cheapest rate and changing carriers every year. But what if there were a way to serve as a long-term strategy partner and help clients buy just the right amount of insurance? Spoiler alert: there is.

Download Pareto Health's white paper to learn how to reduce healthcare costs and year-to-year volatility with captive insurance. You will also discover:

• How to break your mid-sized clients out of a vicious cycle
• How to grow your business by 40%
• How captive insurance is redefining healthcare delivery as we know it
• How Pareto’s captives help brokers differentiate themselves from their competition content with the status quo

Unprecedented times call for innovative insurance. There has never been a better time to be a trusted advisor — with unparalleled access to Fortune 500 level cost containment tools for a largely untapped part of the market. 

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This year’s open enrollment season brings additional pressures because most of your clients’ employees will probably review their benefits options with more scrutiny as a result of the COVID-19 pandemic. This means you must stay competitive and up-to-date with the latest trends to gain and retain clients in this competitive market. Being well versed in personalized benefits, and the "how," "what," and "why" of personalization, can give you a competitive edge.

Download this white paper now to learn how to implement a personalized benefits program for your clients and why traditional benefits may no longer be enough. You will discover: 

• How many of your clients’ employees feel about their current benefits options
• The differences between traditional and personalized benefits in a side-by-side comparison
• How personalized programs help your clients
• What you and your clients need to consider as you roll out personalized plans

In this year of unparalleled challenges, find out how customization can help you better serve your clients and their employees,making retention and renewals easier.

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Since this year’s traditional benefits planning cycle has been completely upended, you must find ways to adjust and continue to add value to your client relationships. Adding flexible solutions to your portfolio so you can guide clients through this time of uncertainty and address their unique needs is key. This may mean helping them during off-cycle times and looking at their benefits options through a different lens.

Download this infographic now to get a how-to guide for increasing flexibility in the benefit planning cycle with innovative supplemental insurance solutions. You will learn how to avoid traps, including:

• Once-a-year planning
• Getting stuck in cost conversations
• The pain of plan changes

Discover how flexible timing, coverage and support gives you the power to help clients of all sizes and budgets. Use this strategy to show clients how they can increase their resilience and why they can rely on you in this difficult environment.

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Carve-out coverage is a powerful way to help manage overall health plan costs. But what is carve-out coverage and how is it compliant? The key is understanding excepted benefits. 

Access this interactive infographic now to get insights on the four categories of excepted benefits:

1. Secondary or incidental benefits
2. Limited-scope benefits
3. Independent, non-coordinated benefits
4. Supplements to certain primary health coverage

Excepted benefits are exempt from many of the federal laws regulating primary health plans, such as nondiscrimination rules, enabling them to be offered on a carve-out basis. Discover how your clients can leverage carve-out coverage to find the right balance between offering valuable benefits and meeting their budgetary goals.

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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.

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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.

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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.

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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.

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

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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!

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