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Claremont Insurance Services

To keep you current on information critical to your business, below are updates and resources to support your sales and service efforts. To access our full library, visit the News and Industry Perspectives site.


$55 Million Raised in Series D Funding Round

In its latest round of investment funding, Beam Dental, the country's fastest growing dental benefits provider, secured $55 million in venture capital. “Beam’s focus on delivering a market leading customer experience and their innovative use of technology and data is unique in the industry,” said their lead investor Georgian Partners.

Venture Beat reports that "as of May 2018, more than 1,000 small and medium-sized business customers had signed up to provide their employees plans through Beam" and that the funding "will be used to develop new products, grow Beam’s workforce to over 200 employees, and expand its dental plans to reach over 90% of the U.S. population by the end of this year."

Learn more about Beam's dental plan options, nationwide network, Perks, Lighthouse, SmartPremiums, and vision coverage through VSP.

Learn More

Sacramento Broker Meeting

Register to attend UnitedHealthcare's broker meeting to hear about exciting new plans and programs, gain insights for success, and experience the UnitedHealthcare Motion Progam, a personalized wellness program that rewards employees' engagement.

  • Date: Thursday, June 20, 2019
  • Time: 10:00 am - 12:00 pm
  • Place: Sacramento Marriott Rancho Cordova,
    11211 Point East Drive, Rancho Cordova, CA 

Food and refreshments will be served. Space is limited. Register now.

Register Now

Disability Insurance – Definitions Matter

The language in a carrier’s coverage contract can make a big difference in the determination of when–or if–an employee qualifies as disabled. Principal’s definitions of disability can be advantageous to employers considering group disability coverage. Here are a few examples:

Principal’s “or” Definition of Disability
Using the small word “or” in the definition of disability means employees who aren’t totally disabled may still qualify for benefits. Employees qualify for benefits by meeting either of the following criteria:

  • Unable to perform the majority of substantial duties of their own job (for short-term disability) or occupation (for long-term disability).
  • Unable to earn 80% of their pre-disability income while working in a modified capacity.

Principal’s “own job” Definition for Short-Term Disability
Principal uses an “own job” definition of disability instead of the more common “own occupation.” That means they look at the job the employee was performing on the date of the disability—not the occupation.

Learn more about Principal's group disability insurance and how it works.

Get The Details

Can an employer increase the lifetime maximum for orthodontia coverage during the plan year or at renewal? Get the answer.

Get The Answer

With our convenient FAQs, quickly find answers about the ACA, Covered California for Small Business, the San Francisco Ordinance and, in the General section, managing your agency during times of change.

Beam Dental Raises
$55 Million in Series D 
Funding Round
Sacramento Broker
Meeting June 20th
Carrier Spotlight:
Principal Disability
Insurance —
Definitions Matter
Question of The Week

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Healthcare Reform
Knowledge Center

•  •  •

June 5
• Application Deadline:
  • Delta Dental
  • Humana
June 6
• Application Deadline:
  • Blue Shield of CA
  • MetLife
June 7
• Application Deadline:
  • Beam Dental
  • Choice Builder
  • Principal
  • UnitedHealthcare
• OCAHU Celebration 
  Women in Business
June 12
• SBAHU Meeting

June 13
• IEAHU Meeting
• LAAHU New Member
• SVAHU 'After Dark'
June 14
• SDAHU Summer
  Classic Golf
June 15
• Application Deadline:
  • TASC
June 16 - 18
• Ease Innovation

June 17
• IEAHU Golf
June 19
• SAHU Member
  Lunch - Ethics
June 20
• DCAHU Member
  Lunch and CE
• GGAHU Meeting
• IEAHU Breakfast
  Meeting and CE
• NCAHU "Live from
  NAHU" Webinar
• UnitedHealthcare
  Sacramento Broker
June 27
• SVAHU Golf
June 29
• NAHU Annual 

August 12
• GGAHU, SAHU, and 
  SVAHU 5th Annual
  Medicare Summit

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Contact the small group experts at 800.696.4543 or

Claremont Insurance Services
1000 Burnett Avenue, Suite 440, Concord, CA 94520
800.696.4543, License: 0B33256

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