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Ancillary News Updates

 principal financial logo

 What do business owners think about employee benefits?  In Principal's newest Industry Insights, regional sales manager James Cowie discusses how business owners prioritize their benefits, what drives their decisions, and the opportunities available for brokers like you!

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Great News! From now through April 30, 2018, VSP members receive an extra $40 allowance on Lacoste, Nike and Nine West frames.

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Delta Dental has shared some exciting news - No More Waiting Periods for Employer-Paid Groups. Just another way Delta makes presenting dental benefits to small groups easier.

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Security Mutual

In an effort to provide members with dental and vision products,  Security Mutual's Employer Benefits Division has been partnering with Renaissance Life and Health over the past several years.   This past year, Security Mutual decided to take this one step further in a transition that will allow them to become one brand, with seamless administration, deeper discounting, and a unified portfolio of employee benefit offerings. Click to read the letter explaining the transition.

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 Managing employee leaves is one of the most challenging personnel issues for employers, and Sun Life Financial has come up with a solution to help. In partnership with FMLASource, a ComPsych Corporation company, Sun Life Financial now offers absence management administrative services that comply with regulatory requirements of FMLA and ADA.  Read below for more information about Sun Life's Absence Management Program:

principal financial logo2016

What do business owners think about benefits? Find out what drives their benefits decisions. Get the answers to these questions from Regional Sales manager James Cowie.

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Emblem Package Deals -  We know taking a holistic approach to good health best serves your clients and our members.  By bundling our specialty products, employers can save money and members can stay healthier. And, it makes selling easier for you. This inclucdes Dental, Vision, telemedicine, acupuncture, chiropractic care and gym memberships. 

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Delta Dental 8 16

Delta Dental - No more waiting! No More Waiting Periods for Employer-Paid Groups! Our Small Business program is better than ever for employer-paid groups. Starting January 1st, the six-month waiting period for major services benefits for groups with fewer than 25 enrolled is history. That includes  orthodontics, too (if covered).

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Solstice Benefits 2013

Solstice has created a NEW Broker Bonus program just for you. Just announced YOUR BIGGEST BONUSCONTINUES!  The ‘Premium Payout’ Broker Bonus, our most competitive bonus yet! A one-time bonus on top of regular commissions! Get a one-time bonus equal to one month’s billed premium! 

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MetLife Logo 2010SM

MetLife $5K Challenge -  Now, when you deliver the power of bundled solutions to your small business clients and finish the year strong, you can qualify for the MetLife Small Business $5k Challenge.

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standard insurance logo

Great news and FINALLY approved in NY - VOLUNTARY Coverage (Hospital Indemnity Not approved yet in NY).  Next time there is a need for Voluntary coverage for your clients in NY please consider The Standard Insurance Company as an option.  Below, please find attached for your review:

Delta Dental 8 16

Delta Dental of New Jersey  and Connecticut Broker Bonus Program - October 1, 2017 through February 1, 2018 Combining our fully insured Delta Dental PPOSM type plans with a Broker Bonus gives you another reason to SMILE!

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principal financial logo2016

3 key client conversation starters to use now - Time for a client check-up - It’s the perfect time for a mid-year check-up with your clients … before things heat up for enrollment. Here are some key conversations you can have now. Life changes, Life insurance, Beneficiary Updates, Periodic Benefit Increase etc.

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principal financial logo2016

Principal is going to be rolling out an on-line enrollment tool for groups of 5+ for 9/1 effective dates that can be set up in less than 24 hours and they will waive the minimum participation on voluntary down to state filed minimums.  Note that it is pending approval for use in NY. Enrolling in employee benefits can be easy – and personalized for employees. The Principal online  enrollment tool makes it quick and simple for your clients’ employees to enroll in benefits online. As a result of a quick diagnostic questionnaire early in the process, the tool customizes the enrollment
experience for each employee.

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Empire BCBS New ID Cards for Members - Your health plan member ID card is changing. Use your new card to avoid issues with health care coverage.  You’ll be getting a new ID card from Empire BlueCross BlueShield for your health plan soon. Make sure to use your new ID card beginning September 1, 2017 to let doctors, pharmacists, and other health care professionals know your plan details.


Solstice Benefits 2013
Solstice Spring Fling Bonus Flyer - now through October. -  Effective NOW through October 1, 2017, sell any case of any size, with as many lines of coverage and you’ll receive a one-time bonus equal to one month’s billed premium on top of regular commissions! 

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Dental made EASY! Ready to give your dental sales a jump-start? We make it simple – and cost-effective – for clients to make the switch.
Find out how:

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Simply Smart Bundle MetLaw - Starting April 1st, MetLaw will be available for Add Coverage to existing groups AND available to any NEW Dental and Vision packaged sales! We can add MetLaw coverage to existing Dental customers 50-99 lives (Vision is not required to add, but we can always provide rates for Voluntary Vision). For inforce groups with Dental 10-49 lives, Vision is required to add MetLaw. Best of all, NO participation requirements!!  $24/month per member.

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Healthplex logo-2016
HealthPlex - Maximize your commissions with higher commissions
Maximize Your Earnings! Healthplex values our relationships with the Selling Agent community, and knows that working together brings success.  Selling Agents who place business with Healthplex can see their earnings grow by receiving a 10% commission on all premiums paid*.
You’ll be in control every step of the way and able to help grow and manage your business with our streamlined tools and support. On top of that, your hard work will be rewarded.
AXA Employee Benefits
AXA Employee Benefits

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Delta Dental of New Jersey Now Offering Dental Plans for Employers with 2-99 Employees
Delta Dental of New Jersey (DDNJ) now offers attractive dental benefits products for groups with 2-99 members in New Jersey. The products are sold exclusively through General Agents and their brokers. “We’re excited to partner with General Agents and brokers to make Delta Dental benefits available to this very important group of employers,” says Carin Hep, DDNJ Small Market Director.


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Unum logo

Unum has released a new White Paper for the broker and employer audience, regarding the need for supplemental disability insurance coverage in the U.S.  Please feel free to share this document with Plan Administrators, in your upcoming stewardship meetings. Click below to download the full White Paper.
Two interesting statistics referenced in the Unum White Paper highlight how Americans are at risk in the event of a disability:
•    40% of Americans earning $100,000+ annually say they live paycheck to paycheck 1
•    25% of U.S. workers aged 20-50 are expected to become disabled before age 67 2

While long term disability (LTD) is an excellent foundation for income protection, benefit maximums, uncovered compensation, and taxable LTD benefits may leave higher income earners underinsured. For instance, 78% of employers say that their long term disability (LTD) plans don’t include coverage for bonuses or commissions.3

Unum’s Supplemental IDI coverage layered on group LTD can better protect the lifestyle that these employees have grown accustomed to, and greatly improves their chance of maintaining their financial goals.  
The shift in distribution channels to the employee benefit broker, Unum’s IDI guarantee issue program, advances in IDI enrollment technology and administration, and Employers’ focus on Financial Wellness initiatives have helped IDI become a mainstream employee benefit.  The opportunity is to tremendous!

In order to provide a proposal we simply need a copy of the existing LTD program with an updated census.  Please remember, Unum’s Supplemental IDI solution can be offered on a voluntary or employer paid basis, and with any carrier’s underlying Group LTD.
1 Lending Tree, “Survey: 44% of $100-149k Earners Live Paycheck to Paycheck” (Aug. 4,2015).
2 Social Security Administration, “Disability and Death Probability Tables for Insured Workers Born in 1994” (Dec. 2015).
3 SHRM, “2013 Employer Perspectives on Disability Benefits” (2013).

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ArmadaCare MASTER logo 3-14

While the Ultimate Health policy requires that members file a claim within 90 days after the covered expense has been incurred, it also recognizes this isn’t always possible. As a courtesy to members, claims are accepted up until 90 days after the Ultimate Health plan year ends.
Date of service for claim: 7/1/16
Ultimate Health plan year: 1/1/2016 to 12/31/2016                                                                                        
Last day to file claims: 3/31/2017
Please encourage members to gather claims incurred in the 2016 plan year and file them now. If their Ultimate Health plan year started on 1/1, their claims will not be accepted unless they are filed by 3/31/2017.
To ensure Ultimate Health clients and members are familiar with the claim filing deadline, we will be sending them a similar communication in the next few days. If you have any questions, please contact 1-877-805-1836 or service@armadacare.com.

Healthplex logo-2016

HealthPlex Selling Agent Broker Bonus

HealthPlex has just released their 1Q 2017 Selling agent bonus.  It is desicned to help you meet the diverse needs of your clients while recognizing the relationships that you build with them by offering increased compensation.

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