7 Reasons Why Strength Training Is Key to a Long Life
In just one hour a week, you can change your health and increase your longevity
Meet The Health And Wellness Trends That Will Change Your Life In 2021
Rethink your routines and care for yourself in brand-new ways after a year of flux.
Simple ways to focus on beauty, health, mind, food & fitness
What does this mean to me?
Recently, we got a call from a gentleman whose wife is severely ill with multiple health issues. The husband is out of work and his wife has not worked since March 2013. The bills are piling up and the health care costs are staggering. Neither has or could afford LTD insurance, and the wife is only 45 years old and will never return to work. The family is in trouble but the husband purchased DAS within the last few months before being laid off.
This family filed for SSDI back in 2014 without having DAS and were denied at the application phase due to improper paperwork completion.
DAS covers the employee and the spouse, offers a grace period and waiver of fees in the event the employee is out of work or is in the process of filing for Disability, and it even covers appealing an SSDI claim if the employee signs up for DAS after they file their application!
We will win this case for this family and they will receive an income and health care (Medicare) to assist in the costs for the wife’s treatment.
Think about this case as you’re speaking to your clients. If they cannot afford LTD or it is not offered by the employer, what would your clients do if they were faced with this same horrible situation?
Remember the DAS sales contest – DOUBLE FIRST YEAR COMMISSIONS!
Need refresher training, product literature or help in strategizing on how to approach your clients with an effective value proposition for DAS? Give me a shout!
Stacey Sagues Philip Lewis
404-951-9023 713-823-8253
The Blue Collar Alternative to Long Term Disability
We often tell you how DAS provides for a comprehensive income protection plan, including Medicare, to clients suffering from debilitating conditions. I thought I would share the words of one of our clients to bring the point home for you:
“… I totally and completely appreciate all and every one of you and your team for all the hard work that was done on my behalf. I am happy and excited to know that my years of paying into the system have come back now to support me and my family in my now retirement time. Although, money can NEVER replace good health, it does make it a whole lot easier to bear. I wish I could say that I woke up this morning feeling no pain, but alas that is not the case. It will make my life so much better knowing that I may not have to worry about how my bills will be paid or if I can enjoy a vacation or two with my new grandchildren. God bless all of you and thank you again!!”
DAS will certainly not cure these conditions or “ease the pain” people are suffering from, but it does eliminate the fear and worry about how they will make ends meet while they deal with their health. Imagine the satisfaction you get by helping your clients during life changing events!
Remember the sales contest – DOUBLE first year’s commissions!
Need refresher training, marketing brochures or help in how to present DAS to employers and clients? Give us a shout!
Stacey Sagues Philip Lewis
404-951-9023 713-823-8253
Stacey@pegbenefits.com Philip@pegbenefits.com
Not Everyone Has a Long Term Disability Plan
Because more than 151 million U.S. workers are insured for SSDI benefits, Social Security administers the largest disability program in the nation. To qualify for SSDI, people must be unable to engage in substantial gainful activity because of a medically-determined physical or mental impairment expected to last at least 12 months, or until death. Social Security disability benefits can provide a critical source of financial support during a time of need, but obtaining the benefit is difficult!
A great deal of paperwork and forms must be completed CORRECTLY with medical records in order to prove to the Government a person can no longer work. As tax payers, we want to make sure the system is only used for individuals that really need it and not for someone trying to game the system. While that is a good thing for all of us it makes it even harder for a person to prove their need for SSDI.
With DAS, we assist the person right from the beginning with assistance in completing the forms, a review of medical records to include as evidence and research, and vocational research to back up the client’s claims.
Seven out of every 10 people that apply for SSDI without assistance at the application phase are denied! Your clients need DAS to protect them!
Remember our sales incentive – DOUBLE FIRST YEARS COMMISSIONS!
Need more info?
Stacey Sagues – Stacey@Pegbenefits.com 404-951-9023
Philip Lewis – Philip@Pegbenefits.com 713-823-8253
Affordable Alternative to Long Term Disability
I am often asked what types of jobs/clients are best suited for Disability Advocacy Services (DAS). The simple answer is anyone who does not currently have, cannot afford, or be underwritten for an LTD policy. This happens to be almost 70% of the working American population! DAS is currently being sold to a wide range of occupations and the following are just a few of those utilizing the service:
Teachers
Unions
Maintenance personnel
Nurses
Pipefitters
Electrical workers
Roofers
Auto mechanics
Insurance agents
Ground crews
Tool and Die
Police
Fire
EMS technicians
Office workers
Dental hygienists
Auto dealerships
HVAC workers
Social workers
Child care workers
Veterinarians
Optometrists
Road workers
Home health care workers
The list goes on and on! DAS for these clients assures them that if something happens to them and they can no longer work due to an illness or injury, they will get their government benefits without having to go it alone.
Remember our sales contest: DOUBLE FIRST YEARS COMMISSIONS!
Need more info? – WWW.PEGBENEFITS.COM
Stacey@pegbenefits.com 404-951-9023
Philip@pegbenefits.com 713-823-8253
Want to Divert Cost Away from Your Self-Funded Plans?
Over the past year or two we have introduced a unique concept to help save your self-funded plan on retiree healthcare costs. This is NOT Medicare Advantage or some other type of retiree plan, it is pure cost savings!
Here are some things to consider:
- Pre-65 retirees have average costs 40% higher than employees of the same age.
- Disabled retirees have average annual costs 70% higher than healthy retirees.
- Retirees with Medicare reduce the cost to an employer plan by more than 80%.
- Average spending by Medicare on inpatient and outpatient care per year is $10,350.
- By identifying just one Pre-65 retiree as eligible for Medicare, the plan will save, on average, $52,000 in future medical costs (assuming 5 years until age 65).
Profit Enhancement Group’s one of a kind process in conjunction with the Centers for Medicare and Medicaid has saved our customers Billions.
No upfront fees and we are not selling anything. We are coordinating customers’ benefits with Federal benefits to shift cost liability WITHOUT negatively impacting the retirees!
Want more information on our Medicare Coordination Services, or to discuss strategies? WWW.PEGBENEFITS.COM
Stacey Sagues Stacey@pegcoaches.com 404-951-9023
Philip Lewis Philip@pegcoaches.com 713-823-8253
Word of Mouth Tactics – Part 3
Last time we talked about the second part of word of mouth tactics to help you put together a system to shorten the purchasing decision time of your customers, which can increase your profits immensely.
Today we’re going to talk about the nine levels of word of mouth, giving you a tool to measure the word of mouth circulating around your company, products and services. You can then see where you are getting negative or weak word of mouth and find ways to correct it.
So, launching into the nine levels of word of mouth – it should seem relatively obvious that the negative levels are, well, negative and the positive levels are positive.
Minus 4
This is the worst of the worst and means your product is creating a scandal. Remember when the popular over-the-counter pain relievers, like Tylenol, were deemed unsafe? Yeah, you won’t want that kind of word of mouth.
Minus 3
Disgruntled customers are going out of their way to keep other consumers from purchasing your products and services. They are boycotting you.
Minus 2
While not outwardly boycotting, when customers are asked about you they will give a negative response.
Minus 1
At this level, people are mildly dissatisfied and while not outwardly talking about it, they will have an opinion if asked. Now, they may still purchase from you despite their negative feelings, which can be a little confusing.
Level 0
This is sort of a neutral place to be. Customers are using your products, but don’t really talk about it. People rarely ask them about it, so they aren’t sharing their opinion with others. This can be a bit of a slippery slope, because you don’t want to turn that neutral experience into a negative one. In fact, you should work to make it a positive one.
Plus 1
At this level we are finally starting to work our way into the positive word of mouth about your company, products and services. Plus 1 signifies that people are generally pleased with your products, but unless asked, don’t really say anything about them.
Plus 2
When asked, your customers will talk about how much they love your products.
Plus 3
Customers will go out of their way to talk about your products, services, company and their shopping experience with you. This is most evident when you see how people recommend movies to their friends and family.
Plus 4
Your product is the toast of the town. There is an obvious buzz going around and your business is the place to be. People are not only talking about your great products and services, but they are talking about their shopping experience, your customer service and how they perceive the company to help them in the future.
Some great examples of Plus 4 companies are:
- Nordstrom
- Coca Cola
- Apple
- Audi
- FedEx
- Tesla
We’re going to leave this lesson for you to mull over and take a look at what kind of word of mouth you are generating. If you need help with this process, reach out to us!
Next time we’re going to talk about the 30 ways to harness the power of word of mouth.
Stacey Sagues Stacey@pegcoaches.com 404-951-9023
Philip Lewis Philip@pegcoaches.com 713-823-8253
Word of Mouth Tactics – Part 2
In the last post we started our series on word of mouth and talked about how to make your customers’ purchasing experience short and easy. We are going to continue with that theme a bit today. We’re going to talk about the power of word of mouth and how to mold it to your advantage.
The reality is that everyone needs an advisor to guide them to make a decision. We rely on the expertise of others to make the right decisions as they are explained to us. When you take the time to understand exactly what and how word of mouth works, you’ll see all the great advantages it has to offer you. Remember this path when working to understand word of mouth:
- Accelerate the decision making process for increased profits.
- You can accelerate product making decisions by making the process easier.
- Instead of low-ball advertising and the used car salesman approach, try delivering on your word of mouth promises.
Traditional advertising draws about one response for every thousand ads, and most of those are only to seek out more information before the customer even considers purchasing. When you get information from a friend, you are more likely to take their word for it and act. On average customers purchase two out of every five recommendations their friends make. That’s a HUGE difference.
So, what exactly is word of mouth? We know how powerful it can be, but to define it: Word of mouth is a communication that occurs between a customer and a potential customer. There is usually a relationship of some kind and an established level of trust between these two people.
Now, compare this to advertising where you are providing a message to a potential customer in which they have not established a relationship or level of trust with you. Who are they more likely to take advice from? The answer is clear!
We talked above about the benefits of word of mouth, now let’s take a look at some of the reasons it works:
- The information is custom tailored to the potential customer because of the friendly relationship of the referrer.
- It is more personal, relevant and believable.
- It is customer driven.
- It is self-generating and can take on a life of its own, especially with the information age of the internet.
- It becomes part of the product’s description.
- The source of word of mouth can be important and more effective when coming from an expert.
- Word of mouth saves you time and money.
To fully utilize word of mouth you need to understand:
- Where is your word of mouth coming from?
- What products are being affected by word of mouth?
- How is your word of mouth traveling?
Once you know these things you can work out a plan on how to trigger more word of mouth.
This wraps up this lesson on word of mouth. If you need help understanding word of mouth and how it can impact your business, feel free to contact us.
Next time we’re going to dive into the nine levels of word of mouth. These levels help you understand which word of mouth is positive and which is not.
Stacey Sagues Stacey@pegcoaches.com 404-951-9023
Philip Lewis Philip@pegcoaches.com 713-823-8253
Want to Divert Cost Away from Your Self-Funded Plans????
Over the past year or two we have introduced a unique concept to help save your self-funded plan on retiree healthcare costs. This is NOT Medicare Advantage or some other type of retiree plan, it is pure cost savings!
Here are some things to consider:
- Pre-65 retirees have average costs 40% higher than employees of the same age.
- Disabled retirees have average annual costs 70% higher than healthy retirees.
- Retirees with Medicare reduce the cost to an employer plan by more than 80%.
- Average spending by Medicare on inpatient and outpatient care per year is $10,350.
- By identifying just one Pre-65 retiree as eligible for Medicare, the plan will save, on average, $52,000 in future medical costs (assuming 5 years until age 65).
Profit Enhancement Group’s one of a kind process in conjunction with the Centers for Medicare and Medicaid has saved our customers Billions.
No upfront fees and we are not selling anything. We are coordinating customers’ benefits with Federal benefits to shift cost liability WITHOUT negatively impacting the retirees!
Want more information on our Medicare Coordination Services, or to discuss strategies? WWW.PEGBENEFITS.COM
Stacey Sagues Stacey@pegcoaches.com 404-951-9023
Philip Lewis Philip@pegcoaches.com 713-823-8253