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Cigna + Oscar Withdraws from
The Small Group Market

New Cigna + Oscar (C+O) small group sales and renewals will not be offered in 2025. At C+O’s request, all plans and rates have been removed from the quote engine. However, you can still quote or renew your C+O groups through December 15, 2024 by contacting us at quotes@claremontcompanies.com or 800.696.4543. Please note: the last day of coverage will be December 14, 2025.

For assistance, please contact our Quotes team at quotes@claremontcompanies.com or 800.696.4543.

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Reliance Matrix

Archive for the ‘Reliance Matrix’ Category

Employee Assistance Programs (EAPs) – Advantages and Options for Small Businesses

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Help employees and their families navigate uncertainty and change in their professional and personal lives with Employee Assistance Programs (EAPs).

Valued by employees, these convenient and easy-to-use services are especially helpful in today’s environment. Plus, business owners understand that employees are more productive when they’re effectively managing their personal ups and downs.

EAPs Can Help Employers:

EAPs Can Help Employees and Their Families:


EAP Options for Small Businesses

Click on the following carriers to view their EAP options:


Allied Benefit Suite

AXA Equitable EAP Provides:

Allied Benefit Suite EAP options are available with long-term disability coverage through AXA Equitable. Learn more about AXA Equitable EAPAXA Equitable Life & Disability, and Allied Benefit Suite. Request an ABS long-term disability quote including EAP.


Blue Shield of CA

LifeReferrals 24/7, available to groups with 101+ employees, offers care and support for beneficiaries and their household members who have suffered a recent loss of a loved one. During this challenging time, a team of experienced professionals is ready to help with grief support and financial and legal needs. Available with the purchase of basic life coverage. Learn more.


Claremont Behavioral

Claremont Behavioral EAP offers:

Learn about the Claremont EAP advantages and the Claremont EAP difference. Contact us to learn more.


MetLife

MetLife EAP through Lifeworks provides expert advice on:

MetLife EAP through Lifeworks is available to include with MetLife basic life and long-term disability coverages. Request a MetLife life/long-term disability quote with EAP.


Principal

Principal EAP provides:

Principal EAP options through Magellan Healthcare are available with Principal long-term disability coverage. EAP options are also available with life coverage for groups with 10+lives. Principal Core EAP Services are automatically available with Principal short- and long-term disability coverages. Request a Principal long-term disability quote including EAP.


Reliance Standard

Reliance Standard EAP provides:

Reliance Standard options are available with group life and long-term disability coverage. Provided by ACI Specialty Benefits.

Learn more about the Reliance Standard EAP and Work-Life Services and Emergency EAP Services. Request a Reliance Standard group life and/or long-term disability quote with EAP.


UnitedHealthcare-Logo

UnitedHealthcare’s EAP can help members with:

UnitedHealthcare’s EAP is available to all Small Group medical members. Learn more.

 


Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

 

Reliance Standard Voluntary Benefits Insights

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Designing benefits plans to help workers manage and maintain their health and finances — and thus remain engaged and productive at work — is a top priority for companies around the globe.

Employers understand that their benefits can be instrumental in shaping the type of organization they are and the way their employees — and their peers — perceive them.

The challenge of providing benefits that satisfy everyone is leading employers to reassess their benefits packages to provide greater benefits choice and flexibility to meet a growing and broader range of needs. The good news – technology advances are reducing some of the roadblocks associated with providing greater choice with the emergence of flexible and streamlined administration platforms that enable a more efficient and customized benefits delivery approach.

Challenges

According to the Willis Towers Watson 2019/2020 Benefit Trends survey, the key challenges facing employers are:

Opportunities

Employers plan to add more voluntary benefits. 

For brokers, this means there’s a great opportunity to win more sales. These benefits can be essential to employee recruitment and retention plans, especially with today’s record-low unemployment numbers.

Employees are seeking better choices.

To mitigate the bad news of rising healthcare costs during enrollment and offer the financial protection employees desire, offer them the choice of voluntary benefits.

More interest expected from younger workers.
As millennials and generation Z employees try to protect their assets, there’s an increased interest in voluntary benefits. When explaining the value of voluntary benefits to these savvy consumers, show them how they can offer a financial shield and cite examples that are relevant to their lifestyles.

Solutions for multi-generational workplaces.
Today’s workplaces can include up to five generations. From the silent generation (born in 1945 or earlier) to Generation Z (born in 1995 and after). Addressing the diverse wants and needs of today’s multi-generational workforce is a top challenge worldwide. Voluntary benefits can be the solution that addresses the needs of all generations, protecting wealth at any stage of life.

If benefits packages are to meet the individual needs of today’s multi-generational workforce, employers need to protect core benefits while offering flexibility and choice. Today’s employment deal will need to evolve to encompass a broader range of employee benefits, including voluntary as well as workplace perks. Download the flyer for details.

To learn more about Reliance Standard’s integrated and flexible group voluntary benefits and services, check out their microsite. For articles on topics such as “Growth Opportunities in The Voluntary Insurance Market” and “Why Small Businesses Should Offer Voluntary Benefits,” visit the Reliance Standard Knowledge Center.

To meet your business goals, contact us for a customized Reliance Standard quote today!

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

 

 

*Willis Towers Watson’s 2019/2020 Benefit Trends survey.

 

In our library, you’ll find carrier forms, applications, enrollment kits, broker bonuses, marketing resources, and more (video tutorial). However, not all carrier forms are available online.

If you don’t find what you are looking for, contact our team for help at 800.696.4543 or materials@claremontcompanies.com.