Delivering Business Value Gone are the days of the big bang approach. Chris Castleberry Sue Connelly
|
|
- Julian Mathews
- 5 years ago
- Views:
Transcription
1 Delivering Business Value Gone are the days of the big bang approach Chris Castleberry Sue Connelly 1
2 Introductions Introductions Presenters Unum The problem with the big bang approach Changing our mindset Case Study Premium Management Efficiencies Delivering business value incrementally Questions/comments/feedback 2
3 About Unum Group 3
4 Unum: Past, Present and Future New information Looking Ahead 2007 Developing innovative platforms that address the future needs of businesses 1999 Unum Provident shortens its name to Unum and unveils a new corporate brand. Colonial also unveils a new corporate brand and becomes Colonial Life Unum Corporation and Provident Companies, Inc. merge to form Unum Provident Corporation. Provident acquires Paul Revere Life Insurance Co, headquartered in Worcester, MA. Unum mergers with Colonial Companies, Inc. Union Mutual becomes a publicly traded company and changes its name to Unum Life Insurance, owned by Unum Corporation. Provident Life and Accident Insurance company is incorporated. Union Mutual, Unum s oldest predecessor company, is founded. 4
5 Nation-wide footprint in US and UK Unum US HQ Chattanooga, TN 2,510 employees Unum US HQ Portland, ME 2,890 employees Unum US HQ Worcester, MA 700 employees Unum UK HQ Dorking, UK 480 employees Colonial Life HQ Columbia, SC 1,090 employees 5
6 Unum can help fill the gaps Core Benefits Medical Prescription Drugs Dental Vision Flexible Spending Account Life Disability Unum Benefits & Services u Financial protection Accident Critical illness Life Short and long term disability u Services Leave management Return-to-work/stay-at-home programs EAP/Work-life balance Employee wellness Disease management connections 6
7 Delivering Business Value No more big bang! Changing HOW we deliver business value.. 7
8 The problems with the big bang approach EXPECTED BUSINESS VALUE NOT REALIZED IN A TIMELY MANNER months to deliverable INCREASED RISK Tend to be large and complex Difficult to manage resources Business needs change (vision/market) Lengthy Change Management process UNTIMELY SCOPE DECISIONS Promises for phase 2 Result in manual work arounds Home grown solutions UNPREDICTABLE RESOURCE ALLOCATION Unreliable estimating Over-allocation of resources DISSATISFIED CUSTOMER Expected business value is not realized OR It no longer meets their needs Partnership is compromised 8
9 A new approach to project delivery Collaborative Innovative Acceptance of incremental deliverables Introduction of working more agile fail fast 9
10 Case Study Premium Management Efficiencies $$$ 10
11 Premium Management Expected ROI Financials Ø Reduc'on in the volume of accounts rolling into past due status Ø Automa'on of Manual Tasks- Time Savings Ø Reduc'on of Commissions Paid to External Collec'ons Vendors Customers Ø Improved turn around 'mes on past due processing Ø Claims are processed more 'mely due to less internal delays Ø Allow customers mul'ple op'ons to contact us when resolving past due balances Employees Ø Higher morale and job sa'sfac'on Ø Elimina'on of duplica'on of work Ø Single plagorm for users that houses all informa'on and allows for tracking & trending Partners Ø Access to Premium Mgmt Tool; allows for proac've approach to premium management Ø Supports 'mely adjunc'on of claims Ø Reduc'on of mul'ple hand- offs and call backs 11
12 Case Study: Building Business Acumen CURRENT STATE PROCESS ANALYSIS 12
13 Case Study: Current State Business Process Contractually Delinquent 1 st Notification Initiate Collections Broker Notification Segmented and Reactive Many handoffs and communication loops 2 nd Notification Manual Intensive Reports Initiate Termination Results Reconciled Customer Notifications Inconsistent tools across business areas to achieve the same goal Manual Systematic 13
14 Case Study: Business Process Future State Project 1 st Notification Project Collections Project Broker Project 2 nd Notification Project Termination Action Contractually Delinquent 1 st Notification Initiate Collections Broker Notification 2 nd Notification Initiative Termination Results Reconciled Cohesive and Proactive Provide real time data Eliminate the need for hand-offs Provide Common Integrated Tools Manual Systematic 14
15 Case Study: Build a Business Case 1.1 Current State A delinquent premium report is manually generated on a monthly basis Premium that has been delinquent for x number of days after the contractual grace period goes to a collector 1.2 Problems Delinquent premium is not being reported in a timely manner, resulting in missed opportunities to resolve issues proactively 1.3 Business Vision Develop the means to pro-actively manage delinquent premium e.g. daily refresh of data 1.4 Benefits Eliminate the need to manually generate reports Increase the amount of recovered premium 1.5 Scope All size cases 1.6 Project Approach Provide value to the business incrementally. This is expected to be a multi-phase deliverable. Recommendation is as follows; Phase 1 15
16 Recommended Approach; Continuous Improvement with each release Premium Management Product Backlog Customer Communication Automate Collection Letters Delinquent Premium Management User Interface Daily Premium Kickout Nov 2013 Feb 2014 April 2014 July 2014 Aug 2014 Oct 2014 Automatic Diary Entries Enhance User Interface Enhancements 16
17 The value of taking an incremental approach BUSINESS VALUE IS REALIZED SOONER Monthly - Quarterly Releases fail fast DECREASED RISK Size and complexity is managed Resource needs are predictable Requirements are delivered as expected SCOPING IS PART OF PLANNING Scoping decisions made early and often Any workarounds are short term RESOURCE ALLOCATION IS PREDICTABLE Incremental commitment of resources Allows for better planning SATISFIED CUSTOMER Meets business expectations We build strong partnerships 17
18 Premium Management Actual Initial Results Financials Ø 20% reduc'on in premium rolling into past due status Ø Automa'on of manual tasks- realloca'on of one FTE Ø 44% reduc'on of commissions paid to external collec'ons vendors Customers Ø 40% reduc'on in turn around 'mes on past due processing Ø Claims are processed more 'mely due to less internal delays Ø Provided customers an addi'onal op'on to remit payment via lockbox address on correspondence Employees Ø Higher morale and job sa'sfac'on staff gets excited to see the incremental deliverables Ø Team members are more passionate and commiqed to the methodology because they see the results and they feel part of the deliverable. Ø One plagorm for users that houses all informa'on and allows for tracking & trending Partners Ø Access to Premium Mgmt Tool; less handoffs and calls Ø Supports 'mely adjudica'on of claims reduc'on in wait 'mes for answers 18
19 Critical Success Factors Cultural Collaboration between Business and IT Increase awareness of need to build BUSINESS ACUMEN Sr. Management endorsing Agile Software Development approach Walk the Talk with regard to Leadership and Empowerment Other Well managed Product Backlog Dedicated and co-located delivery team (business/it) Sprint Planning Open minds not all solutions are technical Develop visual artifacts; prototyping 19
20 Questions, Comments, Feedback Insurance products are underwritten by the subsidiaries of Unum Group Unum Group. All rights reserved. Unum is a registered trademark and marketing brand of Unum Group and its insuring subsidiaries. ADR
Refining BRM Policies and Practices at Unum. Sue Connelly / Angela Dillard
Refining BRM Policies and Practices at Unum Sue Connelly / Angela Dillard 1 Business Rule Management Refining Policies & Practices AGENDA Introductions Goals, Observations, & Actions Q&A 2 Business Rule
More informationSignature Southwest Properties is pleased to announce a partnership with Colonial Life as your voluntary supplemental benefits provider.
Colonial Life Colonial Life & Accident Insurance Company David A. Phillips Account Executive Her 65 Box 57 Ojo Sarco, NM 87521 0 505.689.2378 ColonialLfe.com Dear Associate, Signature Southwest Properties
More informationTwo by Four Coverage Solutions
Two by Four Coverage Solutions Guaranteed Issue Underwriting Offer As a Broker Partner with As a Broker Partner with Colonial Life, you can offer Colonial Life you can offer guaranteed issue on select
More informationGetting Started with Medicare.
Getting Started with Medicare. Look inside to: Learn about Medicare Compare plans and choose the right one for you See if you qualify for financial help Learn how to enroll in Medicare if you plan on working
More informationBenefits Buyers Study 2015 FAST FACTS >
Benefits Buyers Study 2015 FAST FACTS > Benefits planning: A balancing act for employers While benefits planning has never been easy for employers, recent trends have made it even more challenging. This
More informationAgile v. Agility. the problem of management. Marc Danziger. CDO, Enterprise Consultant
Agile v. Agility the problem of management Marc Danziger CDO, Enterprise Consultant Marc Danziger Chief Delivery Officer Marc Danziger is the Chief Delivery Officer of Net Objectives. With over 20 years
More informationRunning Your Business for Growth
Accenture Insurance Running Your Business for Growth Could Your Operating Model Be Standing in the Way? 1 95 percent of senior executives are not certain their companies have the right operating model
More informationSumner County, TN, Board of Education Policy #
Voluntary Term Life Insurance and AD&D Coverage Highlights Your Plan Eligibility Coverage Amounts Guarantee Issue Sumner County, TN, Board of Education Policy # 294933 All full time employees working at
More informationGetting started with Medicare.
Getting started with Medicare. Look inside to: Learn about Medicare Compare plans and choose the right one for you See if you qualify for financial help Learn how to enroll in Medicare if you plan on working
More informationStatus of the Implementation of the Child Welfare Component of the North Carolina Families Accessing Services through Technology (NC FAST) System
Status of the Implementation of the Child Welfare Component of the North Carolina Families Accessing Services through Technology (NC FAST) System Report to the Joint Legislative Oversight Committee on
More informationRurAL CAP. April, 2017 Employee Benefits Booklet
RurAL CAP April, 2017 Employee Benefits Booklet TABLE OF CONTENTS Who We Are...4 Disability Insurance...5 Group Accident Insurance...6 Group Hospital Confinement Indemnity Insurance...7 Group Specified
More informationSCANA offers competitive benefits options to all full-time employees.
Put your energy to work. 2019 Benefits Summary SCANA is committed to providing quality, cost-effective benefit choices to our team of dedicated employees who put their energy to work every day to meet
More informationOur online services Less paper. More efficient. GROUP INSURANCE
Our online services Less paper. More efficient. GROUP INSURANCE For plan administrators Comprehensive services, every step of the way Our secure sites and online services make it easier for you to manage
More informationWalk in Flu Vaccination Clinics
1 Walk in Flu Vaccination Clinics 2 BENEFITS OPEN ENROLLMENT 2017 3 BENEFITS OPEN ENROLLMENT 2017 4 WHAT S NEW FOR 2017 GVSU Standard PPO Plan Increase in Faculty/Staff per pay period premium contributions
More informationWelcome to Florida State University. This is an overview of the Insurance options and additional perks available to all faculty and staff employees.
Welcome to Florida State University. This is an overview of the Insurance options and additional perks available to all faculty and staff employees. 1 If you need assistance with enrolling, or making changes
More informationOffice of Human Resources. Insurance and Perks
Office of Insurance and Perks 1 People First Where do I go if I have questions? 1 866 663 4735 Available Mon. Fri., 8:00 a.m. to 6:00 p.m. ET http://peoplefirst.myflorida.com http://mybenefits.myflorida.com
More informationNorth East Independent School District Policy #
Coverage Highlights North East Independent School District Policy # 148281 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage
More information42 % 33 % Many small business owners understand the actions needed to plan for transition (based on transition-focused owners, ratings of importance)
Building a Template for Transition Four best practices to tackle transition, retirement and succession Small business owners often combine vision and hard work to build companies that support them in their
More informationEmployee Benefits for a Multi-Generational Workforce
Employee Benefits for a Multi-Generational Workforce There s an unusual phenomenon occurring in today s workforce. Three distinct generations Baby Boomers, Gen-Xers and Millennials are working alongside
More informationOffering short-term insurance for 30 years
- Short Term health insurance, underwritten by Golden Rule Insurance Company, is a flexible health insurance coverage solution when you need coverage for a period of transition in your life. Is short term
More informationCompliance Challenges and Best Practices for Health Plan Mergers & Acquisitions
Compliance Challenges and Best Practices for Health Plan Mergers & Acquisitions HCCA Managed Care Compliance Conference Las Vegas, Nevada January 31, 2016 Annie Hsu Shieh, Esq., Central Health Plan of
More informationCoPower ONE Employer Application
CoPower ONE Employer Application Group Information Street Address: DBA: State: Zip: What is your communication preference? Mail E-mail Fax Billing Address (if different): State: Zip: Employer is a: Partnership
More informationLand Home Financial Services, Inc. Policy #
Term Life Insurance and AD&D Coverage Highlights Land Home Financial Services, Inc. Policy # 407283 Please read carefully the following description of your Unum Voluntary Life and AD&D insurance plan.
More informationTRUCKING ALONG WITH ALLOCATIONS AND RECURRING JOURNALS IN ORACLE ERP FINANCIALS CLOUD
TRUCKING ALONG WITH ALLOCATIONS AND RECURRING JOURNALS IN ORACLE ERP FINANCIALS CLOUD Client logo here 2016 Grant Thornton LLP. All rights reserved. 1 Mary Krupa Sr. Associate - Advisory Services, Business
More informationYour guide to understanding your Small Group renewal packet. Table of contents
Your guide to understanding your Small Group renewal packet Table of contents 38844OHEENABS 11/13 How can this guide help me? What s in my renewal packet? What s changing because of the ACA? The essentials
More informationMedicare Made Simple. A guide to your health plan options
Medicare Made Simple A guide to your health plan options Introduction When you re eligible for Medicare, comparing all of your health plan options can be confusing. The truth is, it doesn t have to be.
More informationJefferson County Schools Policy # 38937
Voluntary Life Insurance and AD&D Coverage Highlights Jefferson County Schools Policy # 38937 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility
More informationNorth East Independent School District Policy #
Term Life Insurance and AD&D Coverage Highlights North East Independent School District Policy # 148281 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your
More informationManaging Health Care Costs: Back to Basics
Managing Health Care Costs: Back to Basics By: J. Michael Deneen & Mark A. Abate The cost of employer-sponsored health care benefits continues to increase at an alarming rate. In its 2002 Annual Survey
More informationOutcome Based Budgeting
Outcome Based Budgeting How a focus on outcomes can drive better funding decisions for the consumer www.pwc.com.au Contents 04 The background to change 05 What is outcome based funding? 06 How do we achieve
More informationPremium Savings Program Broker Training
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Premium Savings Program Broker Training April 2013 We are responding to ACA changes Pricing volatility Rate shock
More informationPENSION SYSTEM RESUMPTION (PSR) RECOVERY PLAN PROJECT
NASCIO AWARD NOMINATION FOR DIGITAL GOVERNMENT: GOVERNMENT TO BUSINESS (G TO B) PENSION SYSTEM RESUMPTION (PSR) RECOVERY PLAN PROJECT CALIFORNIA PUBLIC EMPLOYEES RETIREMENT SYSTEM INITIATED MARCH 2010
More informationFOCUS. The FINEOS Playbook. Our Culture and Strategy ORGANISATIONAL HEALTH
FOCUS ORGANISATIONAL HEALTH The FINEOS Playbook Our Culture and Strategy What do we do? We provide customer-centric core software to the Life, Accident and Health industry. What is our vision? A world
More information4Q 2017 Investor Presentation
4Q 2017 Investor Presentation Forward-Looking Statements This presentation, including the accompanying oral presentation (collectively, this presentation ), does not constitute an offer to sell or the
More informationAgeas Strategy in Portugal
Ageas Strategy in Portugal A G E A S I N V E S T O R D AY 6 TH O F J U N E 2 0 17 I LISBON PORTUGAL Evolution of Ageas presence in Portugal Ocidental : A success story since 2005 Agenda Ageas Seguros :
More informationThe mobilevision CDO Agenda Survey 2018
The mobilevision CDO Agenda Survey 2018 The -Dozen CDO Agenda Vision Strategy and Transformation Office and Portfolio Mgmt. (JVs, Units, Projects) Lighthouse Projects (Pocs, Trials,...) Leadership, Change
More informationOPERS Health Care. Understanding the Basics 2019: Medicare and the OPERS Medicare Connector administered by Via BenefitsTM.
OPERS Health Care Understanding the Basics 2019: Medicare and the OPERS Medicare Connector administered by Via BenefitsTM Inside this Guide What to expect Enrolling in a plan Medicare basics Connector
More informationTax strategy Givaudan SA
Tax strategy December 2017 1/5 1. Introduction Givaudan is the global leader in the creation of Flavours and Fragrances. In close collaboration with food, beverage, consumer product and fragrance partners,
More informationReformed Benefits Association Policy #
Term Life Insurance and AD&D Coverage Highlights Reformed Benefits Association Policy # 466599 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan
More informationBenefits Education Session. New Team Member Experience
Benefits Education Session New Team Member Experience Today s Objectives Review Key New Hire Enrollment Information Review Benefits Overview and Considerations Share Resources and Answer Questions New
More informationSAP Receivables Management SAP Collections Management Webinar - Improve Receivables Performance with Advanced Collection Strategies
SAP Receivables Management SAP Collections Management Webinar - Improve Receivables Performance with Advanced Collection Strategies Webcast March 27, 2012 presented by SAP and HighRadius SAP Receivables
More informationHarvard Pilgrim s Medicare Supplement Plan
This is an advertisement. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company. 2018 New Hampshire Harvard Pilgrim s Medicare
More informationTown of Cary. Capital Budgeting. What We ll Talk About Today. Where Are You From? Authority School System Municipality County Other
C A Y, N A Town of Cary N O R T H C A R O R L I 1871 Capital Budgeting 1 What We ll Talk About Today 1. You, Me and the Town of Cary 2. We re Budget People There Has to be a Process! 3. Keeping it Real
More informationWork Program Integration Initiative (WPII)
Florida Department of TRANSPORTATION Work Program Integration Initiative (WPII) Florida PALM Executive Steering Committee Meeting February 27, 2019 Florida Department of Transportation Agenda Overview
More informationfocus Make noncash donations when cash flow is a problem Growing up Not ready to retire? Act soon to take advantage of hiring incentives year end 2010
focus year end 2010 Make noncash donations when cash flow is a problem Growing up Morphing a ma and pa shop into a professional family business Not ready to retire? Sign up at age 65 for Medicare if you
More informationSMART. Short Term Medical. Temporary Insurance for Gaps in Health Coverage. Between Jobs. Waiting for Employer Benefits
N ATIO NAL I N S U RANC E C O. Phone: 800-620-5010 Email: info@directbenefits.com Short Term Medical Temporary Insurance for Gaps in Health Coverage Between Jobs Waiting for Employer Benefits Temporary
More informationLong Beach Community College District Policy #
Term Life Insurance and AD&D Coverage Highlights ADR1879-2001 sent from UNUM 081315 Long Beach Community College District Policy # 414970 Please read carefully the following description of your Unum Term
More informationWashington State Fire Fighters Association Member Benifits Booklet
Washington State Fire Fighters Association 2016 Member Benifits Booklet TABLE OF CONTENTS Who We Are...4 Accident Insurance...5 Cancer Insurance...6 Critical Illness Insurance...7 Disability Insurance...8
More informationResults of Lockton s 2018 risk management survey
Results of Lockton s 2018 risk management survey Risk managers spending more time on emerging risks, claim issues, and contract reviews Ryan Brown SVP, Client Advocate 314.812.3241 rbrown@lockton.com According
More informationThe Hartford Financial Services Group, Inc. October 23, 2017 The Hartford to Acquire Aetna s U. S. Group Life and Disability Business
The Hartford Financial Services Group, Inc. October 23, 2017 The Hartford to Acquire Aetna s U. S. Group Life and Disability Business Copyright 2017 by The Hartford. All rights reserved. No part of this
More informationAon Retiree Health Exchange What your retirees need to know
Aon Retiree Health Exchange What your retirees need to know Q. Why is OP&F changing our current health care coverage? A. Funding for the retiree health care plan at OP&F is limited, making the group health
More informationCharles Sturt University
Charles Sturt University Division of Facilities Management DRAFT - 2009 Operational Plan Statement of Context The Division of Facilities Management will seek to consolidate structural and operational initiatives
More informationQ&A Applied Systems - What makes you so special?
Page 1 of 6 HOT TOPICS Towergate/Ardonagh Claims 2017 results Discount rate Insurtech Top 50 Insurers Brexit M&A Cyber Q&A Applied Systems - What makes you so special? By Savan Shah 28 November 2017 Applied
More informationRapid returns for the insurance industry with Atos Fraud & Claims Management
Fraud & Claims Management Rapid returns for the insurance industry with Atos Fraud & Claims Management Trusted partner for your Digital Journey The state of play Insurers are being squeezed from every
More informationMoney. Love & Medicare s surprising coverage gaps. Dreaming of early retirement? A revealing new study. October > Learn their secrets
Previous issues Medicare s surprising Some of the most common health care costs in retirement aren t covered. > What you can do Love & Money Our exclusive research uncovered how financially happy couples
More informationRetirement Application Packet
Teachers' Retirement System of Alabama Retirement Application Packet Part I This packet includes the following documents: Form 10 - Application for Retirement PEEHIP Insurance Authorization Form Direct
More informationBuilding a culture of engagement Bryan Crowell AVP Continuous Improvement Intermountain Healthcare
Building a culture of engagement Bryan Crowell AVP Continuous Improvement Intermountain Healthcare I N T E R M O U N TA I N H E A LT H C A R E Hospitals Since 1975 22 hospitals 2,784 licensed beds $6.1
More informationUnderstanding Your Medicare Options. Medicare Made Clear
Understanding Your Medicare Options Medicare Made Clear 1. Eligibility 2. Coverage Options 3. Enrollment 4. Next Steps 5. Resources Agenda 2 ELIGIBILITY Medicare Made Clear ELIGIBILITY Original Medicare
More informationHealthcare Benefits for NJM s Medicare-eligible Retirees, Spouses and Surviving Spouses
Healthcare Benefits for NJM s Medicare-eligible Retirees, Spouses and Surviving Spouses About this guide This guide explains the steps you must take to ensure that you make sound, timely choices regarding
More informationOffice of Human Resources. Insurance and Perks. For Florida State University Faculty & Staff
Office of Insurance and Perks For Florida State University Faculty & Staff 1 Where do I go if I have questions? People First: 1-866-663-4735 Available Mon. Fri., 8:00 a.m. to 6:00 p.m. ET http://peoplefirst.myflorida.com
More informationAlan D Lepak dba Global Bikes, Eighty Hour Weeks LLC Policy #
Coverage Highlights Alan D Lepak dba Global Bikes, Eighty Hour Weeks LLC Policy # 608210 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility
More informationChoosing a Medigap Policy: A Guide to Health Insurance for People with Medicare
CENTERS FOR MEDICARE & MEDICAID SERVICES 2011 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about the following:
More informationSimple, smart solutions to supplement your Medicare coverage
2018 Massachusetts Harvard Pilgrim s Medicare Supplement Plan Simple, smart solutions to supplement your Medicare coverage Coverage underwritten by HPHC Insurance Company, an affiliate of Harvard Pilgrim
More informationUsing voluntary benefits to improve employee financial wellness and your bottom line
White Paper Using voluntary benefits to improve employee financial wellness and your bottom line By Jeanne N. Brandon, National Practice Consultant, Voluntary Benefits and Enrollment Solutions Employees
More informationAon Retiree Health Exchange Transition Guide
Aon Retiree Health Exchange Transition Guide New Health Care Coverage Options and Resources for Medicare-Eligible Retirees, Survivors, Long Term Disability Participants and Their Eligible Dependents. Welcome
More informationAction Plan #1: Continuing Healthcare Under COBRA Action Plan #2: Continuing Life and Accidental Death & Dismemberment (AD&D) Insurance...
TABLE OF CONTENTS: Your LOA Benefi t Action Plans Action Plan #1: Continuing Healthcare Under COBRA... 4 TABLE OF CONTENTS Action Plan #2: Continuing Life and Accidental Death & Dismemberment (AD&D) Insurance...
More informationFLORIDA DEPARTMENT OF INSURANCE
FLORIDA DEPARTMENT OF INSURANCE TARGET MARKET CONDUCT EXAMINATION REPORT OF UNUM LIFE INSURANCE COMPANY OF AMERICA AS OF MARCH 31, 2001 DIVISION OF INSURER SERVICES BUREAU OF MARKET CONDUCT LIFE AND HEALTH
More informationWhatever your Medicare needs, we can help you choose the solution that s right for you.
UnitedHealthcare offers a family of Medicare options to help you get the most from your Medicare coverage, including: Whatever your Medicare needs, we can help you choose the solution that s right for
More informationChoosing a Medigap Policy: A Guide to Health Insurance for People with Medicare
CENTERS FOR MEDICARE & MEDICAID SERVICES 2013 Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare This official government guide has important information about: What is a Medicare
More informationMANASSAS PARK CITY SCHOOLS VOLUNTARY BENEFIT ADMINISTRATION RFP ADDENDUM #1
MANASSAS PARK CITY SCHOOLS VOLUNTARY BENEFIT ADMINISTRATION RFP ADDENDUM #1 RFP Issue Date: December 4, 2018 Date of Addendum: December 13, 2018 NOTICE TO ALL POTENTIAL RESPONDENTS The Request for Proposals
More information10 percent of your LTD benefit before reduction by deductible income
Educator Options Voluntary Long Term Disability Coverage Highlights Voluntary Long Term Disability (LTD) Insurance Long Term Disability insurance is designed to pay a monthly benefit to you in the event
More informationThe endorsed choice for New York labor benefits
The endorsed choice for New York labor benefits Dear NYLHCA Member: In your line of work, nothing is more important than keeping your members happy, healthy and productive. And no one is better qualified
More informationYour Guide to Life Insurance
Your Guide to Life Insurance (800) 827-9990 HealthMarkets.com Your Guide to Life Insurance Contents Life Insurance Basics 4 Do I Need Life Insurance? 9 How Much Life Insurance Do I Need? 11 What Kind of
More informationLiving Benefits. A Key to Life Insurance MK2333(0610) TC55294(0510) 30 %
Living Benefits A Key to Life Insurance 30 % 62824 MK2333(0610) TC55294(0510) Plan today. Protect tomorrow. Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly,
More informationITCertMaster. Safe, simple and fast. 100% Pass guarantee! IT Certification Guaranteed, The Easy Way!
ITCertMaster Safe, simple and fast. 100% Pass guarantee! http://www.itcertmaster.com Exam : 1z1-335 Title : Oracle Financials Cloud: Receivables 2016 Implementation Essentials Vendor : Oracle Version :
More informationA Reference Manual for Group Administrators
A Reference Manual for Group Administrators Securian Dental Plans www.securiandental.com TABLE OF CONTENTS WELCOME TO SECURIAN S DENTAL PLANS.2 WHO TO CONTACT... 3 MEMBERSHIP ENROLLMENT AND MAINTENANCE...
More informationBenefits for Globally-Mobile Employees
Benefits for Globally-Mobile Employees Delivering High Quality Solutions At MetLife, we focus on delivering solutions. We provide a comprehensive line of global products and services and access to an extensive,
More information2014 Open Enrollment Check-in
2014 Open Enrollment Check-in Board of Directors Meeting, March 17, 2014 Summary We continue to make progress reducing the application backlog and bringing people to coverage. While there is significant
More informationManaging contractual obligations
IBM Software Industry Solutions Contract Management Managing contractual obligations Managing contractual obligations Contents 2 Managing contractual obligations 3 How IBM manages obligations 3 Case example
More informationATTACHMENT A County Offered PPO Medical Insurance Plans Effective July 2007
SECTION 15 - HEALTH BENEFITS 15.1 County Offered PPO Medical Insurance Plans Effective July 2007 COUNTY HEALTH PLAN #2 For individuals covered under this Salary Resolution, the County Health Plan (CHP)
More informationL E A D I N G T H R O U G H D I S R U P T I O N W E B I N A R :
H E A L T H W E A L T H C A R E E R L E A D I N G T H R O U G H D I S R U P T I O N W E B I N A R : B U I L D I N G A H U M A N - C E N T E R E D T E C H N O L O G Y T A L E N T M O D E L W E L C O M E!
More informationTHE PERSONAL SIDE OF RELATIONSHIP BANKING A RANDOMIZED EVALUATION START-TO-FINISH. M&E and Sustainability Reporting Training Dhaka, April 2012
THE PERSONAL SIDE OF RELATIONSHIP BANKING A RANDOMIZED EVALUATION START-TO-FINISH M&E and Sustainability Reporting Training Dhaka, April 2012 Course Overview Importance of evidence based decision making
More informationMedicAre: don t delay. apply for Medicare as soon as you become eligible. You ve earned it. Make the most of it.
2015 don t delay. apply for Medicare as soon as you become eligible. MedicAre: You ve earned it. Make the most of it. You can enroll in Medicare the three months before, during and the three months after
More informationBig Data and Analytics to drive Denial Management Bottom Line improvements
Sponsored By: Big Data and Analytics to drive Denial Management Bottom Line improvements Using Big Data and Analytics to drive sustainable denial management workflows that help improve the bottom line
More information2018 Producer Partnership Plan
2018 Producer Partnership Plan With Humana, producers have the tools, support and information necessary to help them succeed. Humana also offers producers a comprehensive and competitive suite of compensation.
More informationThe 1-Minute Consult Guide. For Medicare Prescription Drug Coverage
The 1-Minute Consult Guide For Medicare Prescription Drug Coverage 5 Key Messages of Medicare Prescription Drug Coverage Medicare prescription drug coverage is available to all people with Medicare talk
More informationNew Agent Welcome Kit
New Agent Welcome Kit 4301 Morris Park Drive Mint Hill, NC 28227 (704) 568-9649 (866) 568-9649 messerfinancial.com The Trusted Partner For Talented Agents This is the foundation that MESSER Financial was
More informationHarvard Pilgrim s. Medicare Supplement Plan. Simple, smart solutions to supplement your Medicare coverage. New Hampshire
Harvard Pilgrim s Medicare Supplement Plan Simple, smart solutions to supplement your Medicare coverage The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance
More informationRetiree Medical FAQs For Retirees
Retiree Medical FAQs For Retirees The following questions and answers are general in nature and are intended to provide basic information to retirees regarding the change to Dominion s Retiree Medical
More informationCONTENTS Chairman s Canvas 5 Who Are 7 Our Purpose 9 Our Structure 9 What 11 Investment 13 Our Customer Commitment Our People Commitment
CONTENTS Chairman s Canvas 5 Who We Are 7 Our Purpose 9 Our Structure 9 What We Do 11 Investment 13 Our Customer Commitment 15 Our People Commitment 15 Governance 17 Conscience 17 Looking Ahead 19 3 CHAIRMAN'S
More informationInstructions for Enrollment forms
Instructions for Enrollment forms If you would like to elect Voluntary Life and/or Voluntary AD&D coverage, please complete the form labeled Term Life and AD&D Insurance Enrollment Form. Please complete
More informationUniversal Credit: progress update
Report by the Comptroller and Auditor General Department for Work & Pensions Universal Credit: progress update HC 786 SESSION 2014-15 26 NOVEMBER 2014 4 Key facts Universal Credit: progress update Key
More informationINFORMATION ABOUT MEDICARE A GUIDE FOR PEOPLE WITH RELAPSING MULTIPLE SCLEROSIS
INFORMATION ABOUT MEDICARE A GUIDE FOR PEOPLE WITH RELAPSING MULTIPLE SCLEROSIS HOW TO CHOOSE A MEDICARE PLAN If you are living with relapsing multiple sclerosis (RMS), you have a lot to think about. One
More informationFocus Financial Partners. Loring Ward to Merge with The Buckingham Family of Financial Services
Focus Financial Partners Loring Ward to Merge with The Buckingham Family of Financial Services September 27, 2018 Disclaimer Special Note Regarding Forward-Looking Statements Some of the information in
More informationSimplified Issue Convertible Term Life Insurance
Simplified Issue Convertible Term Life Insurance Financial protection for your family... just got simpler. SureBridge is a registered trademark used for both insurance and non-insurance products offered
More informationFIS INSURANCE PROCESS CONTROLLER SYSTEM INTEGRATION, PROCESS AUTOMATION AND COMPOSITE APPLICATION PLATFORM
FIS INSURANCE PROCESS CONTROLLER SYSTEM INTEGRATION, PROCESS AUTOMATION AND COMPOSITE APPLICATION PLATFORM FIS Insurance Process Controller 1 Empowering a new age of insurance Unrelenting regulatory change
More informationFAQ s. Why should I hire Social Security Advocates for the Disabled? How can you help me if I don t live near your office?
800.825.7735 136 Long water Drive, Suite 100, Norwell, MA 02150 FAQ s Why should I hire Social Security Advocates for the Disabled? Hire us because we win, and we ve been winning since 1994. People that
More informationHOUSING AUTHORITY REPORT
HOUSING AUTHORITY REPORT DATE ISSUED: January 20, 2012 REPORT NO: HAR12-013 ATTENTION: SUBJECT: Chair and Members of the Housing Authority of the City of San Diego For the Agenda of February 28, 2012 COUNCIL
More informationThe role of an actuary in a Policy Administration System implementation
The role of an actuary in a Policy Administration System implementation Abstract Benefits of a New Policy Administration System (PAS) Insurance is a service and knowledgebased business, which means that
More informationDriving Next-Level Revenue Cycle Performance: 5 Strategies for Physician Practices
Revenue Cycle Management White Paper Driving Next-Level Revenue Cycle Performance: 5 Strategies for Physician Practices Revenue cycle management (RCM) is the lifeblood of any physician practice and one
More information