Adviser strategies

Handing off clients to an e-filing expert can help reduce administrative strain while allowing HR and benefits teams to focus on employee support and plan strategy.

Sidecar Health's approach removes barriers associated with provider network restrictions, prior authorization, formularies and step care.

Alternatives to costly standalone long-term care insurance include hybrid life policies with an LTC rider, extended premium payment periods and annuities.

Gina Downs does the blocking and tackling for retired athletes and their families when it comes to accessing medical and behavioral healthcare.

The Validation Institute has put its stamp of approval on a dozen benefit advisers with a fee-based model that avoids conflicts of interest.

At the upcoming You Powered Symposium, vendors compete for $50,000 and investment in their benefit solution.

Savvy brokers are building scalable, strategic momentum with coordinated, high-performing blocks that feature the right employers.

Nearly half of brokers say their clients are actively requesting insights on AI tools, but most lack the infrastructure to adopt them.

Cally Ideus's nonprofit aims to bring an alternative treatment that helped her recover after military tours of duty into the medical mainstream.

Mindful of cumbersome rules and the potential for blended-family feuds, advisers can help take the lead on keeping the peace for benefit plan participants.

With about 7 million additional Americans expected to sign up for HSAs, these vehicles can help finance costly GLP-1s.

As many as 70% of Americans don't have a will, trust, health or funeral directive as the nation gears up for its largest wealth transfer ever.

Advisers can help employers compete for C-suite talent amid major demographic shifts by highlighting nonqualified plans to supplement core benefits.

Pressure continues to mount on producers to deliver more customized benefit packages and consultative services to satisfy the needs of more demanding clients.

Brown & Brown's Erika Illiano suggests finding the right decision-support tool and constructing a compelling narrative around various coverage options.

Self-funding, network steerage and gap funding require advisers willing to step out of cruise control and into a more consultative, engaged role.

Advisers can do a better job equipping employees with the knowledge they need to make better benefit choices.

Communication challenges will include personalizing benefit messaging to five generations working side by side, and designing affordable healthcare coverage.

More thoughtful communication can help sell benefit plan participants on equitably sharing responsibilities, as the need for hyper-personalized messaging grows.

Benefit advisers appreciated collaborative conversations around delivering high-value, personalized benefits that resonate with employees' needs.