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Ancillary News Updates

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AXA Employee Benefits
AXA Employee Benefits

Delta Dental 8-16

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.


PDF-icon2SM Click here to download the full pdf document

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.
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).

PDF-icon2SM Click here to download the full pdf document

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.

PDF-icon2SM Click here to download the full pdf document

principal financial logo2016
Principal - Simple strategies to balance benefit costs.  It’s safe to say expenses are an everyday focus for business owners – big and small. And when budgets need a little fine-tuning, benefit costs may rise to the top. You can help. Recommend these budget-stretching ideas to offset increasing expenses. They can help employers get their money’s worth, while still offering benefits employees are looking for.

UHC Oxford 2015

OBM January Renewal Update -  The 1/1/17 OBM renewals were sent out.  These renewals were calculated incorrectly causing a rather large, in many cases, increase.   The issue is being corrected and updated renewals are going to be sent out next week. An official communiation will come directly from OBM. Please call FNA if you have any questions.


UHC Oxford 2015

New Benefit Added to Oxford Benefit Management Plans  Beginning with January 1, 2017 Renewals

UHC is pleased to announce that, upon renewal in 2017, that they will automatically include a $25,000 employee basic life insurance benefit to all Oxford Benefit Management (OBM)1 plan designs. This will apply to all new and renewing groups in New York, New Jersey and Connecticut, beginning with January 1, 2017 effective dates. Click below for full details.
principal financial logo2016
With so much keeping you busy in this busy season, Principal has sent over some quick highlights of what’s new at Principal:

1.      Your employers can now give employees the ability to choose what coverage they need and can afford with our new Voluntary Incremental Disability Programs.  
2.      The 2017 Pediatric Dental EHB is filed, approved and certified in New Jersey.  Updated flier below.
3.      Our Managed Care Vision Members have a $40 Special Frame Allowance on Calvin Klein and Cole Haan frames when visiting a VSP provider from 11/1/16-3/31/17.
4.      Effective 11/1/16 our Network has grown by approximately 10,000 providers from a new Leased Network Arrangement.  Locally this is a 14% average increase!!
5.      We’re Setting Records – in October Specialty Benefits reached $2 billion in inforce Premium!!

Please reach out to your FNA Producer or our Ancillary Department fo additional information you’d like on the above and thank you for the business you trust Principal with!!
Healthplex logo-2016

Now HealthPlex has more ways to earn!  They have just released their 2017 Broker Compensation plan that is offering increased compensation and a 2017 first quarter bonus.

Healthplex logo-2016

More Reasons To Smile With Healthplex! We have exicting news to share! Healthplex is pleased to announce our new National Participating Provider Organization (PPO) with over 260,000
nationwide access points, providing members the care and access they deserve! This extensive new network offers unmatched flexibility and the ability to customize coverage levels - keeping members and their families healthy and smiling. In addition with the New Managed Care Select Plans, there are even more reasons to smile! Click the full document for marketing materials for these new plans.

PDF-icon2SM Click here to download the full pdf document

principal financial logo2016
We offer powerful tools to help you position yourself as an expert. You can:
•    Benchmark clients' benefits
•    Review a range of benefit designs
•    Structure benefit packages based on budget
•    Educate employers
•    And more!
Delta Dental 8-16

Great News! Delta Dental of NY and Delta Dental of PA provides 2017 program updates.  They have great news to share. They will be continuing with their current Small Business Program rates for standard plans for an additional 2 years beginning in 2017 for NY and PA. That is four straight years with no increast! Click below to find out the rest of the good news from Delta. MORE
ArmadaCare MASTER logo 3-14
A Better Option for the C-Suite - Ultimate Health by ArmadaCare
Do you have clients who are frustrated with their limited coverage, but are restricted from enrolling in flex plans? Introduce them to another option that can offer more meaningful impact: Ultimate Health, a supplemental healthcare reimbursement plan designed specifically for the C-suite. Learn more about a live webinar - Ultimate Health 101.
Colonial Vol B 2016
Please Join Us!
Did you know that the Commuter Benefits Law requires that all employers in the Five Boroughs with 20 or more employees offer the Transit benefit to their employees.

Please join FNA and Colonial for an informative Webinar. Colonial will review the mandate and show you how to enroll the benefit. Two convenient dates. Choose ONE to fit your busy schedule.
When: Jul 26, 2016 10:00 AM

NYC Mandate FNA Broker Webinar
Tue, Jul 26, 2016 10:00 AM - 10:45 AM

1. Please join my meeting.

2. Use your microphone and speakers (VoIP) - a headset is recommended. Or, call in using your telephone.
US: +1 (224) 501-3312

Access Code: 850-004-101
Audio PIN: Shown after joining the meeting

Meeting ID: 850004101

When: Jul 28, 2016 3:00 PM

NYC Commuter Mandate FNA Broker Webinar #2
Wed, Jul 28, 2016 3:00 PM - 3:45 PM

1. Please join my meeting.

2. Use your microphone and speakers (VoIP) - a headset is recommended. Or, call in using your telephone.
US: +1 (872) 240-3412

Access Code: 814-232-133
Audio PIN: Shown after joining the meeting

Meeting ID: 814232133

Online Meetings Made Easy®

ArmadaCare MASTER logo 3-14

Leverage Ultimate Health to work for you and your clients

Tips for answering your clients’ key health benefit questions

Ultimate Health, the market leading insured supplemental healthcare reimbursement plan, is part of the solution when answering your clients’ key concerns as outlined in the BenefitsPro article “Top Employee Benefits Questions and How to Answer Them.” Let’s see how.

PDF-icon2SM Click here to download the full pdf document

MetLife Logo 2010

Just in time for the 4th of July!
Met Life has a new Broker Bonus program for the 3rd and 4th quarter of 2016. Maximize your clients’ benefits program With multiple line sales. By doing so, there is potential for a broker to earn  1.5-3% additional comp for each quarter, depending on how many cases are sold.  Get in on the opportunity!

MultiProduct Advantage for Small Business

Dental Advantage Program


ArmadaCare MASTER logo 3-14

More Good News!
New York groups will continue to be eligible for Ultimate Health even if their primary plan is an EPO/HMO *
What do you need to know?
1.    Ultimate Health will cover eligible expenses from out of network providers.  Yes, even if there is no out of network coverage, Ultimate Health will reimburse eligible out of network expenses.
2.    This is the same Ultimate Health policy we are currently issuing.  Only the underwriting guidelines have changed.
3.    Coverage does not have to coincide with the primary medical plan renewal date.  
Please review the following link for more details: *Evaluation of Writing Groups with EPO/HMO

Request for Proposal checklist: Request A Pricing Proposal

Healthplex logo-2016
HealthPlex Broker Incentive. Please don’t forget the Healthplex 2nd Quarter Incentive is still available for  5/1/16 or 6/1/16  effective dates. Brokers will get a flat  12% Commission if you sell any plan off of these rate sheets!!!!  Don’t Delay!!!!!
PDF-icon2SM Click here to download the full pdf document

principal financial logo2016

Principal - Industry insights to help boost millennial sales

The business owners in your book of business likely come from every generation – millennials, Generation X, baby boomers. And they're all very important to your business.
But there's one generation you may want to give a little extra attention to – millennials. Not only are they the largest growing group of business owners, but more than any other generation, millennials are looking to you for employee benefit expertise.

PDF-icon2SM Click here to download the full pdf document

NY State requires all employers to provide DBL coverage for their employees. Click on the link below for available plans and premimums available through FNA

Healthplex logo-2016 

We would like to inform you Heathplex is launching a new marketing campaign that will commence shortly. The campaign will promote the quality and affordability of Healthplex's longstanding brand, and its goal is to better serve you and your clients. Below, please find the first of many marketing pieces that will be sent out to our target market. We appreciate your current business and partnership.  If you have any questions about our offerings, please contact our Ancillary department directly so that we can best serve you and your clients.
Principal Financial 2014
Now available in New Jersey: A dental solution that provides benefits only when employees visit network providers.

Network Select from Principal Life Insurance Company offers cost-savings by driving employees to our network providers who have agreed to charge lower fees. And with one of the largest networks in the industry,* the Principal Plan® Dental Network gives employees plenty of options to use their benefits.
 AIG logo svgSM

AIG's Strategic Direction in Group Benefits Market
An Important Announcement Regarding AIG’s Strategic Direction Within the U.S. Group Benefits Market. We are excited to share with you news about a new go-forward strategy for AIG in the U.S. group benefits market that 
will allow us to deliver improved value and services to you and your clients while building on our strengths as a leading international insurer. As you know, the group benefits market has evolved dramatically over the past several years in response to factors including healthcare reform, rising medical costs, technology, and consolidation. During this time, AIG has also undergone a transformation into a stronger, forward-looking organization with a strong customer focus.