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.

Combine Group and Individual Disability Income Insurance

With Principal's comprehensive disability solutions, you can help your clients attract and retain key employees by combining group disability (short- and long-term) and individual Disability Income (DI) in their benefits package.

Broker Advantages

• Demonstrate your benefits expertise and differentiate yourself from the competition.
• Build stronger client relationships.
• Increase your compensation with multiple sales.

Employer Advantages

• Helps recruit and retain top talent.
• Reinforces positive employer-employee relationships.
• Manages the loss of income risk when an employee is too sick or hurt to work.

With today's competitive job market, customized quality benefits like these help meet your clients' bottom line and their employees' needs.

Win by offering Principal's group disability and individual Disability Income together. Learn more and download valuable resources.

Report: Benefit Trends and Opportunities for
The Healthcare Industry

As the U.S. population ages and healthcare needs continue to grow, the healthcare industry is striving to keep pace with the market's demand.

To identify opportunities for healthcare employers to attract and retain top talent during this challenging jobs boom due to rapid growth, low unemployment, skills gaps, and boomer retirements, MetLife's latest report takes a look at the findings from their 17th annual U.S. Employee Benefit Trends Study.

Read the report to learn:

• How to help employees achieve financial wellness.
• The essential role for benefits in today's work-life world.
• How to design holistic, employee-centric programs.
• Actions healthcare employers can take today.

Download the report and contact us today to develop tailored benefits solutions for your clients.

Leverage The Special Enrollment Period (SEP)

If you have clients that are unable to meet carrier participation requirements, have dual-carriers, or that don't meet employer premium contribution requirements, the small group SEP is a great solution.

By law, all carriers are required to offer the SEP one time per year with $0 contribution requirement and no minimum participation requirement for small groups. The application period runs November 15 - December 15, 2019, for coverage effective January 1, 2020. Carrier administration of the SEP may vary slightly, including recertification at renewal, so check out our comparison. Download our Carrier SEP Guide.

Question
Can an employer with more than 50, but less than 100 employees qualify for the Special Enrollment Period and does that exempt them from ACA penalties? 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.

Get The Latest News with Text Messaging!
Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

As always, we'll keep you informed about healthcare reform issues and news affecting you and your clients. Our knowledgeable team is here to help you succeed.

Questions?
Contact the small group experts at 800.696.4543 or info@claremontcompanies.com.

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