Voluntary benefits

After a year of significant change in the LTC industry in 2012 Blogger Tom Riske Jr. seems 2013 as a year of growth in LTC sales through the worksite. He shares some key features an employer and adviser should look for when considering one of the newer multi-life LTC offerings.

The Hartford Group says its most recent survey indicates that more than 80% of workers would sign up for personalized voluntary disability coverage, given the option. The Hartford says it has a new offering to meet just that need.

Workplace difficulties faced by the hearing impaired highlight the need for corresponding benefit coverage

With PPACA implementation in full swing, NAHU, NAIFA, IIABA, CIAB talk exclusively with EBA on 2012 and looking toward 2013.

Workplace difficulties faced by the hearing impaired highlight the need for corresponding benefit coverage

In a brush up on voluntary, Prudential's Jim Gemus explains the advantages in offering voluntary to you, your clients and their employees in this challenging business environment.

Executives are at risk, as the average long-term disability plan may not take care of them

EBA editor Elizabeth Galentine explains how to view the whole picture.

Two decades of experience and a genuine enthusiasm for the product make Dan McNeill EBA’s 2012 Voluntary Adviser of the Year

Post-election, for those who were waiting for something to happen that might change the course of health reform, you can stop waiting. A recent Mercer study found 15% of clients were waiting on the election to start implementing health reform, anticipating a change in administration would either repeal it, fundamentally change it, or roll back some of the provisions - which was probably more feasible. That not being the case, I think everybody out there should start making plans for 2014 based on the law as we know it.

Access to quality life insurance for middle and lower income families has disappeared over the past 10 to 20 years. A life insurance agent simply cannot make lower income American’s a primary market and be financially successful, says blogger Tinker Kelly. But how can you overcome that?

Businesses can help the thousands of children who need parents by offering adoption benefits — which are relatively simple and affordable — and by raising awareness in their communities

Leading insurers come together for an education campaign in light of research showing LTD claims are rising as group coverage drops.

Most people believe the current economic climate has made life insurance more relevant, but a majority has not calculated their need and many avoid discussing the topic at home, according to a survey by ING.

The effects of lost workplace productivity due to concerns over issues at home are tangible and rising says ARAG

Numerous group disability insurance providers provide their take on the market and where it is going.

Rates of hearing loss in the workplace are rising rapidly and screenings and treatments to deal with the problem need to be strategized by employers who want to keep experienced workers.

The consulting firm finds that almost a third of voluntary sales in 2011 were to the largest employers, but no market has reached its saturation point.

Combining voluntary and permanent life to help employees.

Discount programs deliver financial savings of up to 50% to employees, increasing their loyalty to their employer.