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Archive for March, 2010

Cheap Alternative to Health Insurance!

March 31, 2010 2 comments

I am going to do some more research on this new Health Care Reform Bill…. I am wondering as a small business owner if I could just use the government for major medical?? Here is what I am thinking. Lets say I decide not to have insurance and I just pay the penalty which I think is $750 a year which is far cheaper than paying Health Insurance premiums. Now lets say I have a catastrophic event like a heart attack….. with the new reforms health insurance companies can not deny me coverage based on a pre-existing condition. So I will coast along paying my annual penalty until something big happens and then buy insurance….

Who are we kidding….. We all know that it takes healthy people paying their premiums to make the current health insurance system work and the only thing that keeps them paying their premiums is the fact that they are scared that something will happen that would create a pre-existing condition.

So, what do you think….. Are you willing to pay the penalties??? I think I am……

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Welcome!

Just wanted to take a moment to welcome my friend and fellow business leader to the world of blogging! Take a moment now to visit his blog… The Real Estate Guy!

Making Friends

Demands on us are high I know. In sales there are no safety nets. If you don’t make the sale we may not eat. So we often develop this thing called “commission breath”. This is the death of any salesperson. “CB” will lead you down the path of being a pushy, results driven, sign here, commission counting salesperson. We CAN NOT go to our clients with this attitude. Now I know the markets are tough. I am out there everyday too. I believe that in today’s market, as tough as it is, it is more important than ever to form relationships through listening and being all about solutions. I believe that this is the key points of my job description…. friend maker, problem solver, solution provider….. If we can follow this track the commissions will come. So will you “sell” something today or will you go out and make a friend today…… The choice is yours..

Bright Future!

I am not to excited about the actual Health Care Reform Bill but I am excited about what I believe is a bright future for the Voluntary Benefits industry. Two segments excite me!

1) HR Consulting – With all of these new mandates and laws it will make those of us that approach our business as a consultant more important than ever. Now I realize that not all Voluntary Benefits companies take this approach but for those of us who do… Fasten Your Seat belts! Companies are going to be searching for solutions when it comes to managing their benefits packages. My belief is that if we come in trying to provide solutions not products that there is going to be more doors to open up than we will have time to walk through. I believe that we may even gain accounts that we could not touch in the past because of this. Now the second part… Voluntary Benefits. Our products pay fixed amounts for specific events. What that tells me is that we are not affected. We protect employees income and there future. We are not mandating anything! We are just here when they need us. Your accident, cancer, etc.. does not say what doctor or hospital to go to; just show us that you went and what was done. We provide payments directly to our customers! It is between us and our client not us, Government then client. Keep your head! Small business owners need us now more than ever!

Health Care Reform and You!

March 23, 2010 1 comment

This Health Care Reform thing has got me thinking. I have a few questions for you and I want your feedback…..

1) Are you for Health Care Reform?

2) How will Health Care reform personally affect you?

3) will this cause Health Insurance premiums to go up or down? Why?

4) Will taxes have to increase for this to be paid for?

Please comment I want to hear what you have to say?????

Categories: Uncategorized

Effective Benefits Communication

Careerbuilder.com recently did a survey that revealed something disturbing….. 24% of workers no longer feel loyal to their employers and 19% plan to leave their current employer this year! Need I say more?

It is an exciting time in the marketplace. We are having to be more strategic in our efforts to help employers retain employees. So, you may be asking what is the most effective way to retain employees. I will say without a doubt it is effective benefits communication. If you ask about their benefits you will typically only hear about their health premium going up or some other negative. Think about it, most of the time that the “Group Meeting” is called is because the employees are being told the negative while trying to put a good spin on it… If we are going to help employers retain then we are going to have to paint the big picture for the employees and also give employers the ability to give extra benefits at little or no cost to them!

Give me a call I would love to talk with you about employee retention strategies! (931) 581-4234 or send me an email @  scot@thebradfordagency.com

Bill Passes

O.k, so the job bill is just waiting for the President’s signature….sigh… They are predicting that it will create 250,000 jobs. I wonder how many small business owners that they sat down with and heard their opinions??? I think most small business owners like myself would simply ask for more customers. I am so confused??? It is like doing everything in reverse. I will say it again…. Put the money in the taxpayers pocket and let them decide. The best products and services will come out on top and those companies will grow and need to hire more employees. Wow I think I just described Capitalism but all that I am seeing in this bill is Washingtonism….