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... x No Thanks Loading.. Help Your Employees Help Themselves 3/9 /2015 by Don Phin This content has not been rated yet. HELP YOUR EMPLOYEES HELP THEMSELVES by Don Phin More and more employers are discovering the advantages of helping employees through today's rough times. Don Phin explains how Employment Assistance Programs (EAPs) and Dependent Care Services can provide unique value-added benefits for both you and your employees. EMPLOYMENT ASSISTANCE PROGRAMS Today's employers face more workforce challenges than ever — many of them because of problems that employees face in their personal lives. Employee Assistance Programs can help. EAPs provide face-to-face clinical counseling for such issues as relationship concerns, family problems, stress, workplace problems, and alcohol/chemical dependency. These programs also provide telephone consultations and information for such life-management issues' as financial ... , finding providers for child or elder care, tax issues, legal advice, organizing personal affairs, and pre-retirement planning. The information that employees share with an EAP is strictly confidential and not shared with the employer. Considering the fact that substance abuse alone costs businesses more than $120 billion a year in lost productivity, an EAP program can be highly cost effective. EAPs have led to significant reductions in use of sickness benefits, work-related accidents, Workers Compensation claims, and employee conflict. The three largest EAP providers are: Magellan ( www.magellan.com ), with 14 million total lives covered, ComPsych Corp ( compsych.com ), with 7 million total lives covered, and CIGNA ( www.cignabehavioral.com ), with 4 million total lives covered. DEPENDENT CARE SERVICE PROVIDERS Increasing demand for child and elder care has ...

... moving fast in this direction. Gartner predicts that 40% of enterprise applications will include task-specific AI agents by the end of 2026, up from less than 5% in 2025. CRM vendors are among the most active, bundling agent builders, prompt tools, and pre-built service agents into their platforms. For CRM for insurance companies, this creates pressure to act. Leaders see competitors announce AI service assistants and want to follow. The fastest path looks like switching on the agent features already included in the CRM license. What Data Do AI Agents Need to Answer Insurance Questions? Insurance AI agents need current coverage details, deductibles, billing status, claims information, and policy change data. Much of this information remains in core insurance systems rather than the CRM, making reliable integration essential. Insurance ... payment is due, why the premium changed, and whether a payment went through. Claims: the status of an open claim, when payment will arrive, and which documents are still needed. Changes: adding a driver, raising limits, or updating an address, and what each change would cost. Answering any of these requires data from core systems. Coverage details, endorsements, and deductibles live in the policy administration system. Payment schedules and balances live in billing. Claim status, reserves, and adjuster notes live in claims. Rating logic for a proposed change lives in the rating engine. Most insurance CRM systems hold only a partial copy of this data, if any. A nightly batch may push a policy summary into the CRM, but it often lacks endorsements, current balances ...

... x No Thanks Loading.. Develop a Telephone Prospecting System for Amazing Results 2/20/2018 by CompleteMarkets Editor , Kris Woods This content has not been rated yet. After an automated sales center is up and running, it's up to producers to act on the qualified leads that the sales center coordinator, assistant, and support staff have worked on. Prospecting is an old term; replace it with "business development." Business development requires a positive attitude, confidence, and discipline. The business development mind-set can be picked up by anyone who has a desire to step to the front line and just do what must be done. Commit to a business development plan of action, then organize and follow through. For example, track the logical order of the following scenario: A ... couples in your neighborhood for years packaging their Homeowners and Auto coverages. This creative packaging allows a lot of insurance dollars to stay in your pocket with no reduction in the protection that gives you peace of mind. Try the following for Life insurance: Our agency has a dynamic Mortgage Term policy that allows you to receive all of your insurance dollars back if you pay off the home. Many people live to pay mortgages and have commented that the return of premium coupled with the peace of mind makes the idea well worth their time. Scripts are tools to use when speaking not only to the decision-maker, but to the gatekeeper as well. Don't use a script with a gatekeeper before determining that the gatekeeper is authorized to question you. If he/she only takes messages for the decision-maker, ...

... . Handling Stress Organizational interventions include: Providing a safe environment Improving communication Including employees in decision making Assessing and modifying the job Developing peer support groups, quality circles, etc. Coping strategies include: Avoidance and escape Hobbies and recreation Reading and music Emotional discharge: drinking heavily, smoking, abusing drugs, overeating Social support and supportive relationships Relaxation Assertiveness training Off-the-wall behavior Self control Exercise Lifestyle management Humor Employee assistance programs Worker Empowerment Giving employees the authority to make their own decisions and perform their own tasks is crucial to maintaining their well-being. Freedoms characteristic of a good job include: self-paced work, participation in decision making (planning, problem solving, and working methods), influence on production quantity and quality, control over hours and rest breaks, and ability to move around physically. The Dilemma of ... x No Thanks Loading.. Stress In The Workplace 4/30/2013 by CompleteMarkets Editor , Bill Grieb This content has not been rated yet. STRESS IN THE WORKPLACE by Bill Grieb We spend a major portion of our adult lives at work. Work can be both rewarding and stressful. Occupational stress is frequently associated with poor mental health, such as depression, breakdown, and psychosocial disability-as well as with cardiac disease, absenteeism, low productivity, alcoholism, drug abuse, family violence, and divorce. Stress results from the individual worker's reaction to a variety of factors. High-stress jobs are often characterized as having high psychological demand and low decision latitude. The personality of the individual and his family and social situation positively or negatively affect the impact of these factors. Studies show that workers ...

... our stacks. Take some time and browse through our library. We have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All substance abuse policy Articles tagged with substance abuse policy Back Drug Testing And Employee Assistance Programs This content has not been rated yet. CompleteMarkets Editor , Bill Grieb 4/30/2013 10:34:57 PM DRUG TESTING AND EMPLOYEE ASSISTANCE PROGRAMS by Bill Grieb If you're in business, you must face some facts: 70% of all illegal drug users are employed either full or part time, indica.. All Articles by CompleteMarkets Editor Comments (0 ) Drug-Free Workplace This ... FIRMS WORKING PARTNERS The Profit in Reassembling Human Assets Small businesses account for close to 50 percent of private-secto.. All Articles by CompleteMarkets Editor Comments (0 ) Landscaping Firm Implements Drug Testing This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:39:41 PM LANDSCAPING FIRM IMPLEMENTS DRUG TESTING WORKING PARTNERS Architectural Landscaping, Inc., in Tucson, Arizona, creates outdoor living environments' by installing pools, masonry, and retaini.. All Articles by CompleteMarkets Editor Comments (0 ) Landscaping Firm Implements Drug Testing This content has not been rated yet. CompleteMarkets Editor 4/30/2013 10:38:56 PM LANDSCAPING FIRM IMPLEMENTS DRUG TESTING WORKING PARTNERS Architectural Landscaping, Inc., in Tucson, Arizona, creates outdoor living environments' by installing pools, masonry ...

...most crucial strategies is frugal living. In essence, frugal living entails minimizing expenses while foc...h as possible when practicing frugal living. High-interest credit card debt i...

... purchasing this form of insurance. HOW NOT TO SELECT A POLICY These brief definitions explain how the three basic types of Cash Value Life insurance (Whole Life, Universal Life, and Blended Policies of either) work, the variations in the number of lives that are insured, and who has the obligation to invest your premium dollars. For all these variations, you'll frequently view a Policy Illustration to assist you in making your purchase decisions. The illustration, however, is not the policy! The illustration attempts to project today's experience — with respect to expenses and earnings — to give you an idea of how the policy works, or how the policy's values might look in the future. The illustration could also demonstrate the policy's flexibility in the event that the insurance company continues to enhance policy values ... the actions and representations of the agent. If nothing else, legal activities in the past few years have made it imperative for agents to provide a substantial, written record of any policy and illustration design considerations that they discuss with their clients. AND MORE VARIATIONS The policies discussed previously are typically found in both ‘one insured life' and ‘two (or more) insured lives' formats. Most people purchase a ‘one insured life' policy for income replacement or business planning. Current estate tax law has encouraged a variation called ‘Joint Lives, Second-to-Die, ' which describes (typically) a husband and wife insured under one policy with a death benefit that pays only after both die. This type of insurance can be beneficial for estate tax ...

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... Alpha Split": New Ways To Distribute Work Loads 4/30/2013 10:41:34 PM by CompleteMarkets Editor , Raymond Keating This content has not been rated yet. BEYOND THE ALPHA SPLIT': NEW WAYS TO DISTRIBUTE WORK LOADS by Raymond Keating Check out these alternatives to the traditional "alpha split" of Commercial Lines service. A customer's name shouldn't matter when they're calling for assistance! Most CSRs have an assigned section of the alphabet for which they are responsible. This method of work distribution began years ago when: (1 ) Companies started offering "packaged policies" that combined Property with Casualty; and (2 ) agencies could no longer afford to have internal service "specialists," for individual coverages such as Auto, Bonds, and Workers Comp. CSRs got ... with customers and should be the first on the phone. To maintain an impartial distribution of time and talent automation systems can monitor workloads by transaction. Won't clients get upset when they have to talk to so many different people? Not if each contact employee treats each client with a sincerely helpful attitude. The team approach to customer service can only make the customer feel great! Demographic Profile Where people live, work, and play might dictate how they'll be serviced best by a particular customer service rep in your agency. A database should allow your service manage to run this sort of profile and find a matching service person within the office. Account Size Many agencies determine Commercial Lines work distribution by size of account. Personal Lines Work can also be distributed based on premium or commission income per account ...