30 Percent Have Coverage The number of American households with individual life insurance has hit a 50-year low, according to the Windsor-based trade research firm Limra.

LIMRA announced Monday it has partnered with Smarsh , a provider of secure e-mail archiving solutions compliant with FINRA and Securities and Exchange Commission standards, to provide these services to its members.

well as waiting periods. And with a national loss ratio that they anecdotally peg at about 70% for dental insurance, plan participants in effect "are assured of losing 30%," according to the company’s Web site. "The dental insurance companies know this

A Look at Corporate Owned Life Insurance. Corporate owned life insurance is a type of life insurance policy that is owned by a company. When the employee dies, the benefits of the life insurance policy will go to the company. ...

Tags:   employee benefits,news

If you (or the members of your family) need dental care and you don't have dental insurance, there are a few things that you can do to save money. By following these tips, you can get the services you need without spending your entire ...

As an independent insurance agent, you see the connection between workplace wellness programs and lower health care insurance costs. But, did you know that workplace wellness programs also may lower workers’ compensation insurance costs for your business clients? It’s true. The benefits of wellness programs transcend multiple lines of insurance. The potential savings on workers’ comp premiums and claims costs are clear. Research confirms it. Sales: Making the workplace wellness, workers’ comp. cost connection via IFAwebnews.

Dental insurance requires monthly or quarterly premiums just like regular health insurance. After you have your dental care appointment, your dentist will submit the cost of the appointment as a claim to your insurance company.

Moderate Drinking May Boost Risk of Breast Cancer's ReturnBusinessWeek30 online edition of the Journal of Clinical Oncology by a team led by Marilyn L. Kwan, a researcher at Kaiser Permanente in Oakland, Calif. ...and more »

Tags:   health insurers

New concepts need gimmicks. Proven concepts do not. The phenomenon of using the internet to gather and share health information is now mainstream. It's time. ... It's Time to Retire 'Cyberchondriacs' | Common Sense says: August 30, 2010 at 2:56 pm. [...] and more exhaustive history of the language used to talk about educated patients, check out today's posting on e-patients.net by Susannah Fox.) 'Cyberchondriacs': By: Brian ReidBrian Reid is a director at WCG in [...] ...

Tags:   health insurers

Starting a new job that offers Aetna or Lumenos BCBS. I'm not sure which one would be easier to use as a health insurance Co. without hassles or non-payments. I've heard nit picky things about Aetna but never even heard of Lumenos. ...

Tags:   health insurers

Commercial Record - Found 1 hour agoHartford health and life insurance giant Aetna has completed a public offering of $750 million of its 3.95 percent senior notes due in 2020.

Tags:   health insurers

WellPoint, along with Coventry Health Care Inc. and Humana Inc., gave Republican candidates $315000 from May through July, according to U.S. Federal Election Commission records. That compares with $41000 given to Democrats by the three ...

Tags:   health insurers

As an independent insurance agent, you see the connection between workplace wellness programs and lower health care insurance costs. But, did you know that workplace wellness programs also may lower workers’ compensation insurance costs for your business clients? It’s true. The benefits of wellness programs transcend multiple lines of insurance. The potential savings on workers’ comp premiums and claims costs are clear. Research confirms it. Sales: Making the workplace wellness, workers’ comp. cost connection via IFAwebnews.

Tags:   blogs,healthcare

Consolidation in the healthcare industry has begun to attract the attention of anti-trust officials, journalists, and other watchdogs.  With so much focus at the federal level on cutting waste and bending the long-term cost curve, officials will likely have a close eye on the line between competitive advantage and anti-competitive pricing.

Tags:   blogs,healthcare

Tags:   crm

Tags:   crm

Tags:   crm

Tags:   crm

Economic pressures, evolving technology and increasing comfort with partner management are combining to force insurance executives to expand their views of what can be sourced externally.

August 30, 2010, 03:15 AM - - Citrix plans to announce Monday that it will buy VMLogix as part of a larger push to offer more self-service tools and address concerns like vendor lock-in facing enterprises using the cloud.

Tags:   crm

A couple of weeks ago a group from salesforce.com paid a visit to Dell. Among other things, they came to discuss their new product “Chatter” that Dell has recently launched internally and who's virtues Michael Dell has tweeted. ...

Tags:   crm

A lovely anonymous commenter pointed out an outrageous article in today's Wall St. Journal, headlined "Resume Overload? A Shortcut to Spot Best Hires."In the article, the author -- a small business owner -- writes that when managers are inundated with resumes, they're left with "no clue as to how to cull through them all to select the best people." (Problem #1, but we'll get to that in a minute.) He writes:For years I've used a special filtering technique to avoid this problem. My secret? In the ad (about three-quarters of the way down) I tell the applicants, "To prove that you're a meticulous reader, you have to include the following sentence when you send your resume: 'It is with my utmost respect I hereto surrender my curriculum vitae for your consideration.'"His theory is that "including the sentence shows the applicant has read the entire ad and knows what the job entails and if they're qualified to fill it," screens out people who are just applying to everything they see, shows they pay attention to detail, and shows they follow directions.Of course, it's also insulting and will drive away most good applicants, who don't want to work for an employer that treats them with condescension. ("My utmost respect"?  "Hereto surrender"?  Really?) And it betrays a complete lack of knowledge about how to hire good people -- which I suspect affects the rest of his hiring process too, once people jump through this condescending little hoop.If you want to ensure that job applicants read your ad, aren't just resume-bombing, and pay attention to directions, there's a much less insulting method that achieves this: Ask them to include a cover letter that specifically addresses some relevant point, such as why they're interested in working for your company in particular, or why they'd excel at some specific aspect of the job. That will give you information you can actually use in ...

Tags:   hr blog

Employee assistance programmes (EAPs) are a common benefit provided by employers, but how can their use be optimised?

Tags:   hr blog

HR.com Partners with Paramax to Reward Members Who Help Build Out the Human ... PR Newswire (press release) 30, /PRNewswire/ -- HR.com, the largest online social community dedicated to human resources , is now offering reward points to its 192000 members with the ... and more »

Tags:   canada,hr

Click on title to read full article

Tags:   hr blog

These easily configurable integrations enable our HCM customers to take advantage of the Talent Management 9.1 business process enhancements while retaining their existing HCM implementation. More information can be found on the HCM 9.1 ...

A reader writes:I would like your feedback on a common occurrence in our store. Sometimes a couple of customers will walk in whose native language is other than English. However, these customers do speak English quite well but choose to speak in the other language while they are being directly waited on by our employees. If they are trying on merchandise while we are right beside them to check fit, etc., more often than not they will “consult” their friend/family first (in the other language) before they tell us what they think, even though they are perfectly capable of expressing themselves to me, and anyone else, in English.I find this behavior quite rude and at times like this I am ready to walk away until they are ready to converse in English. Of course, I instead stand there, gently prodding the customer in English in an attempt to understand what else I need to do to serve them. Although I feel irritated regarding the seeming rudeness, I find myself mostly frustrated that I cannot help our customer to the best of my ability because I don’t understand their language.What is the best course of action to do in these situations? If you can address this in your blog I would be much obliged.Um, they're your customers, not people who are there to socialize with you, right?  They're considering patronizing your business? I suggest letting them speak to each other in whatever language they're most comfortable in, and assuming that if they need something from you, they'll let you know in English. Ask a Manager home page Does your organization need my help?

Tags:   hr blog

Extract not available.

Wells Fargo Insurance Services, Inc., America's largest bank-owned insurance brokerage and a subsidiary of Wells Fargo & Company, said it has formed a strategic alliance between its Wells Fargo Special Risks, Inc. subsidiary and Great American Custom Insurance Services Division of Great American Insurance Group, a leading underwriter of specialty property and casualty insurance.

HAMILTON, Bermuda----Aspen Insurance Holdings Limited today announced that A.M. Best has increased the financial strength rating of Aspen's Bermuda subsidiary, Aspen Insurance Limited, to 'A' with a "Stable" outlook, and affirmed the 'A' rating of Aspen Insurance UK Limited and upgraded the outlook to "Stable".

Ask some property/casualty producers how they feel about selling employee benefits, and you may get a response of pained puzzlement.

Tags:   agency-management,digital-insurance,brokers,ga,southeast,broker pc

Court Intrigue for the King of Torts Sarasota Herald-Tribune, FL - 2 minutes ago Tort reform is likely to be an issue in the coming presidential election; the Democratic presidential candidate John Edwards has been criticized over his ...

Tags:   tort,malpractice,liability,reform

Tort Reform and the 2008 Election InjuryBoard.com, FL - 19 minutes ago By Rob Curtiss While it has been overshadowed by Iraq and immigration thus far, tort reform is sure to be a hotly disputed issue in the upcoming election. ...

Tags:   tort,malpractice,liability,reform

Capitol: Doctor's advice for lawmakers against tort reform ... NewsOK.com (subscription), OK - 12 minutes ago AP Video. The bill, which passed the Senate, 25-23, placed a $300000 "hard cap” on pain-and-suffering awards. Twenty-four Republicans and one Democrat voted ...

Tags:   tort,malpractice,liability,reform

Let the insurance industry help protect Florida Tallahassee Democrat, FL - 34 minutes ago By Mark O'Connell. At a time when we should be working overtime trying to build a secure insurance market in our state, we seem to be spending our efforts ... Property insurance relief has just begun Daytona Beach News-Journal Insurance relief has only just begun Tallahassee Democrat State's gamble on insurance is looking increasingly risky

...

Tags:   disaster

Tip: Baby boomers hit hard by financial turmoilNewsday (subscription)While the fourth annual "MetLife Study of the American Dream" shows increasing angst across all age groups, it's boomers, the segment of the population born ...

Tags:   retirement vendors

The newsletter also includes a brief description of certain plan amendments that plan sponsors might be required, or might wish, to make before the end of the 2010 plan year. (The Segal Group, Inc.)

Tags:   retirement

Personnel Changes: Penn Mutual, CIGNA, Securian, ING, Hartford, PresidentialNational Underwriter Life and Health Insurance NewsSzeto previously served actuarial roles at MetLife Inc., NY, Inviva Inc., NY, and Prudential Financial Inc., Newark, NJ He has a bachelor's degree from New ...

Tags:   retirement vendors

130 pages. See Section II.b. Option Group B: Simplifying Savings and Retirement Incentives. (The President?s Economic Recovery Advisory Board)

Tags:   retirement plan types

6 pages. (American Benefits Council)

Tags:   retirement plan types

Excerpt: "A federal judge in Oklahoma has cleared a 401(k) plan administrator of wrongdoing in a dispute over whether the employer should be forced to repay the participant for funds his ex-wife took out of his account." (PLANSPONSOR.com)

Tags:   retirement

Every month I contribute $1375 to my 401K so that by the end of the year, the 401K is maxed out at $16500. Unfortunately, $16500 a year is a ridiculously low amount of money to save for retirement if you really do the math. ...

Tags:   retirement blogs