Self funding for many employers is an awful idea

Self funding turns your business into an insurance company. Before making this move you must prepare an analysis without influence from the sales process. Beware of anyone who says you will save money. Call us, put our independence to work.

A Note about older posts

Old “Blogger posts” have been consolidated into this one posting location. Over time I have posted blog pages, written articles, spoken on TV or been interviewed about employee benefits, healthcare, retirement and topics like that. I’ve not been consistent where these things have been located. If you know of posts I should retrieve, please let … Read more

Changing Expectations

THURSDAY, OCTOBER 6, 2011 Changing Expectations Yesterday I spent three hours with students in their 20s who are thinking about working in the HR and benefit field. It is a surprise to see the generational difference, to understand what their expectations are for their benefit plans and, in particular, for their future and their retirement. … Read more