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...oward the allowable deduction for medical expenses on their federal income tax... employers for not recommending LTC coverage as an effective health-care option. To avoid such claims, the N...

...n 1991 have helped counter rising medical costs driven by the severity of clai...s, insurance companies, employers or health care providers, organizations everywhere...

...any have a preferred Workers Comp medical provider near the telecommuter? Give...on before doing so. Family and Medical Leave Act. The federal FMLA and s...

...cover the cost of cancellations, medical expenses, and more. With these benef...ountry and to cover emergency flight home if necessary.

...ntial problems. For example, many Medical Expense plans-HMOs, PPOs, Blue Cross/Blue Sh...s one or more other agents handling coverages, and a gap or overlap causes pro...

... was their job to do this anyway, if they consider themselves a professional agent and have their customer's best interest at heart. The leading edge agent does not make the customer define the policies and coverages they should purchase, any more than a patient should define the medication and treatment that a doctor should prescribe. If you take the time to determine your customers' needs and recognize buying signals, selling Life insurance should not cause a problem. Your customer will buy this protection anyway, so why not from you — but you'll ... . There are very few agencies that haven't tried, at one time or another, to develop a program to cross-sell Life, Health, or Disability to existing customers. Many agencies have even hired a "Life Person," only to end up with a big expense and little income to show for the effort. This has only added to the frustration of the agency owners. So what's the answer? Let's first discuss the motivation of the buyer. In the arena of personal insurance, the purchase of Life insurance is a ... 1, 2, and 3, I recommend that you: License all Property/Casualty producers in Life, hire a Life producer, or develop a relationship with a "Life person" Train CSRs to recognize the buying signals Train CSRs to provide some recommendations of coverage to stimulate interest Refer names of interested parties to the Life representative for follow-up. Use a different procedure for following up on claims. Have the CSR refer the name, phone number and circumstances of the loss to the producer of the account. The producer should ...

...erson,” only to end up with a big expense and little income to show for the ef...he customer define the policies and coverages they should purchase, any more t...

...bility Income   ( ) Major Medical Expense   ( ) Group coverages   ( ) Dental coverages   ( ) Other _______________...

... 11 issues that bear watching. 1. Declines in Frequency of Claims Slowing. According to insurers, the long-term trend of declining claims frequency (claims filed per employer payroll) is flattening. This is significant because declining trends that started in 1991 have helped counter rising medical costs driven by the severity of claims and increased utilization. It's too early to determine the reasons or permanency of the shift, and it could be a temporary blip caused by employers cutting back on safety initiatives. On the other hand, a strengthening job market ... transitional jobs, only to be laid off for reasons unrelated to the injury. Faced with few job prospects, the employees have little incentive to get well. In fact, there's a disincentive to get well, and employees staying home leads to higher reserves that are expensive for the employer to support. Dr. Richard Pimentel, a national expert on disability management, notes that the savings of turning an indemnity claim into a medical-only claim can be significant; 20 percent of lost time from work injuries could be eliminated if the physician ... they can provide a wealth of information about an injured employee's behavior. 11. Uncertainty in the Insurance Markets. Economic conditions, low interest rates and decreased demand have put pressures on the Workers Compensation markets. Liberty Mutual CEO Edmund "Ted" Kelly called Workers Compensation coverage currently being sold by insurers — already largely unprofitable while inflation is low — a "time bomb" that will become even more costly for insurers when inflation shoots up. The CEO of American International Group (AIG) commented on CNBC that AIG was going to ...

... and natural disasters.   Medical Payments. Covers emergency and related medical payments for you and your passengers... you review your options and tailor coverage that best meets your needs. ...