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Competitive Advantages
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Pooled Risk for purposes of renewal.
Underwritten by entity to continually attract new groups.
Discounted Insurance premium due to pooled group size.
Funded so employers can closely match existing benefit design ( Union Agreements ).
No reserving, State or Federal Taxing, Profit or Mandate costs on the portion that is self-funded.
The impact of renewal is diminished due to Shared Funding structure.
Dollars that are not spent within the Shared Funding account are retained by each individual entity.
Renewals are calculated based on claims usage of entire trust.
Protection from bad claims years because of shared risk.
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