When calculating my renewal rates, the insurance company used a “trend” factor. Why do they use trend and why is it much higher than general inflation rate in Canada? By Joe Demelo, CEBS; Benefits Consultant Although they are sometimes discussed in the same context, there are distinct differences between inflation and trend utilized by insurance [...]
I became disabled in 2008. I continued to receive disability benefits up until the insurance company terminated my claim after 2 full years of benefits. The insurance company told me (despite my age, skills, and nature of my illness) that I could be re-trained and work in a different occupation. The company that I worked [...]
By Brent Delveaux and Queenie Yeung The list of why insurance carriers are not all the same is extensive. For example there are non-for-profit insurance carriers, mutual or stock insurance companies, unionized and non-unionized companies and carriers who have various claims payment locations, different renewal processes, different expense factors, and different system capabilities. All these [...]
I’ve worked with Pat Burkart and his team for over 4 years and our company has received excellent advice and service. Pat has taught me everything I know about health and dental plans and helped our company fine tune our benefits plans over the years to give good coverage to our staff and keeping our [...]
Craig Hewson sheds light on pricing employee benefit programs, group insurance programs and group retirement programs.
(October 3, 2011) The cost of depression and what you can do about it. National Depression Screening Day – Thursday,October 6, 2011…
Rob Taylor of TRG has always provided Timberline Natural Resource Group with sound advice that has consistently boosted value to our benefits program for our employees with a keen focus on maintaining reasonable cost for us from year to year. Additionally, the changes they have recommended have also got us off the bi-annual “shopping trips” [...]
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