Each enrollment period, you should receive a benefits confirmation statement. This statement confirms what benefits you selected for the upcoming enrollment year. In this article, I’ll talk about why you want to make sure you get one each year. Plus, you’ll want to keep each and every confirmation you receive for as long as you […]
Ditch the Payroll Deduction for Premium Direct Deposit
In order to offer voluntary benefits, the employer you work with has to collect the employee’s premiums through payroll deduction. However, while some employers might not have a problem with you seeing their employees, they might not want to do the payroll deduction for you. In those cases, you could collect the premiums through premium […]
Are Your Group Insurance Rates Attained Age or Issue Age?
Most employees don’t realize how the rates work on the group insurance programs they sign up for. How these rates are structured have a big impact on them down the road. There are two types of group insurance rates – attained age rates and issue age rates. In this article I want to walk you […]
3 Steps to More Effective Benefits Communication at Enrollment
Over the years, I’ve noticed employer groups have tried to move away from face-to-face enrollments with employees. Instead, there’s been a trend to rely more and more on email and other passive forms of electronic tools to communicate with employees and to enroll benefits. While it would be nice to have everyone read everything you […]
The Employee’s Guide to Open Enrollment
The end of the year is the most common time for employer groups to enroll employees in their core benefits like health, dental and vision insurance. But as much as employers try to prepare their employees for enrollment time, many employees don’t put as much time as they should into the benefit selection process. In […]
5 Reasons a Face-to-Face Enrollment is Needed
The biggest challenge I face in helping your employees is negotiating the access I need with you. If I can’t work out a plan to see your employees, I can’t present a guaranteed issue offer to them. Below, I’ve summarized five specific reasons why I need to meet with your employees in a face-to-face enrollment. […]
Why You Shouldn’t Use Commissioned Enrollers
One reason that negotiating access is sometimes tough to do with employers today is because of agents who worked with their employees in the past. One bad experience with the wrong agent can unfortunately keep the good ones out. Many agents that work with employer groups don’t recognize that it’s a privilege to work with […]
