Producer Connection

3^rd Quarter 2008

5 Reasons to Offer Vision Insurance

While most employers spend the majority of their benefits resources (both time and money) on medical insurance, an often overlooked corner of the health/productivity continuum is the need for vision insurance. Here are five reasons your customers should consider offering their employees vision insurance.

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Demonstrate Your Value In 3 Easy Steps

If you’re like most employee benefits advisors, you’re always looking for ways you can convey the value of your services to your customers and prospects. It’s not as easy as it might seem since so much of the work that advisors do happens behind the scenes — assessing customer needs, marketing accounts, negotiating with carriers.

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And vs Or: Common Definitions of Disability

Probably the most crucial provision in any Long Term Disability (LTD) insurance policy is the definition of disability. It is what determines whether a claimant is considered disabled, and therefore eligible to receive an LTD benefit under the contract terms agreed to by the insurance carrier and the employer.

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Emphasize Accurate Beneficiary Designations

Annual enrollments are coming up for many of your customers. It makes sense for you as an advisor to remind plan administrators to emphasize the need for employees to make good beneficiary designations. Most plans allow employees to make changes to their beneficiary designations for Group Life insurance and employer-sponsored retirement plans any time during the year.

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