Introduce Voluntary Benefits Outside of Open Enrollment

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Here we are again… Open enrollment madness for core benefit programs is in the rearview mirror and human resources teams can focus on planning for next year. It pleases me to see voluntary benefits gaining more traction with employers of all sizes, but I’ve noticed that most employers’ initial thought is to introduce new voluntary offerings… [Read More]

Guaranteed Issue: A Brave New World for Individuals and Small Groups


In insurance parlance, “guaranteed issue” is one of the most venerated terms. Its simple meaning is that an insurance company will guarantee it will offer coverage without any concern for the underlying health risk or other underwriting considerations. Guaranteed issue is the holy grail of insurance provisions, as it eliminates coverage seekers’ fear that they… [Read More]