Public Entities in Need of Relief From Rising Medical Costs

We have been providing Medicare Coordination services for early retirees for a state on the East Cost since 2007 and it continues to provide significant savings after almost 10 years. The latest projections revealed the following:

Savings in 2016:  $701,020.90

Estimated Future Savings from 2016: $5,042,159

Total Savings Since 2007: $72,082,833

Since 2007 we have saved this state over $72 million in health costs by shifting liability to Medicare!  These savings are scalable and relative—a city a tenth of the size of this state could experience over $7 million dollars in health care savings to their plans.  These are real savings that do not negatively impact the employees in any way.

Interested in learning more? Need literature or help in approaching a client?  Give me a shout!

Almost $100 Million Saved on your Self-funded Medical Plan

I have been telling you about our recent wins with States like West Virginia and Pennsylvania but I wanted to share with you the results of one of our long time customers. Eaton Corporation is a global technology leader in power management solutions that make electrical, hydraulic and mechanical power operate more efficiently, reliably, safely and sustainably. They have been a customer of SSDC since 2006 and have benefited from tremendous health care cost shifting for their early retirees and spouses.

By the numbers:

Total number of Discoveries and Development cases since 2006 =  2,372

Total cost shift including Recovery dollars since 2006 =  $97,574,016

Almost $100 million dollars in health care costs have been shifted to Medicare in the last 10 years!

Large or small, Public or Private, all employers can benefit from SSDC’s Medicare Coordination Services.

Want a refresher, literature or help in approaching clients? Give me a shout.

Almost $100 Million Saved on your Self-funded Medical Plan

I have been telling you about our recent wins with States like West Virginia and Pennsylvania, but I wanted to share with you the results of one of our long-time customers. Eaton Corporation is a global technology leader in power management solutions that make electrical, hydraulic and mechanical power operate more efficiently, reliably, safely and sustainably. They have been a customer of SSDC since 2006 and have benefited from tremendous health care cost shifting for their early retirees and spouses.

By the numbers:

Total number of Discoveries and Development cases since 2006 = 2,372

Total cost shift including Recovery dollars since 2006 = $97,574,016

Almost $100 million dollars in health care costs have been shifted to Medicare in the last 10 years!

Large or small, public or private, all employers can benefit from SSDC’s Medicare Coordination Services.

Want a refresher, literature or help in approaching clients? Give me a shout.

Stacey Sagues                                                  Philip Lewis

404-951-9023                                                 713-823-8253

Stacey@pegbenefits.com                              Philip@pegbenefits.com

How to save MILLIONS on Self-Funded Medical Plans

I wanted to provide you an example of a long-time client of ours and the savings we continue to drive within their self-funded medical plan.

Results for a long-time customer, from a state on the East Coast, continue to provide significant value. We have been providing Medicare Coordination services for early retirees for this state since 2007, and it continues to provide significant savings after almost 10 years. The latest projections provided the following results:

Savings in 2016 Estimated Future Savings from 2016 Total Savings Since 2007 
$701,020.90 $5,042,159 $72,082,833

Since 2007 we have saved this state over $72 million dollars in health costs by shifting liability to Medicare! These savings are scalable and relative. For example, a city a tenth of the size as this state could experience over $7 million dollars in health care savings to their plans.

These are real savings and they do not negatively impact the employees in any way.

If you would like to learn more on how to offer this to your clients, or if you’re a large employer and would like to learn more, you can reach us at:

Stacey Sagues – Stacey@pegbenefits.com – 404-951-9023

Philip Lewis – Philip@pegbenefits.com – 713-823-8253

 

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

Stacey@pegbenefits.com      Philip@pegbenefits.com

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?

WWW.PEGBENEFITS.COM

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?

Map

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

DOUBLE COMMISSIONS!

doublecommissionsDisability Advocacy Services is an alternative to LTD sales contest; DOUBLE commissions first year!

Open enrollment season is fast approaching and we are all gearing up to have a great year in sales. We would like to provide an additional incentive to you by offering double the first year’s commissions on all NEW DAS sales. We are having tremendous success in offering DAS through the agent and broker network, and we want you to share in that success. Remember, DAS is a perfect fit alongside your voluntary products and offers an affordable comprehensive income protection plan when combined with an STD, CI, Hospital or Accident policy. Some of the current markets DAS is being sold into include:

City Employees

Housing Commissions

Tool and Die Workers

Restaurant Workers

Dentist Offices

Doctors’ Offices

Home Healthcare Workers

Child Care

Plumbers

Insurance Agents

Teachers

Nurses & Hospital Workers

Law Firms

Custodial Workers

Auto Dealerships

Veterinarians

Optometrists

Property Management

Office Workers

Tire and Auto Centers

Cleaning / Maid Services Rehab Offices

Collision Shops

PEO Services

Many more

If they can’t afford LTD or get underwritten for it – they are a perfect DAS case!

Double the commissions for the first year and the ability to offer your clients a low cost valuable service, a win-win opportunity!

For more information on the contest feel free to contact me at any time! Good luck and have a great open enrollment season!

WWW.PEGBENEFITS.COM

Stacey Sagues | Stacey@pegcoaches.com | 404-951-9023
Philip Lewis | Philip@pegcoaches.com | 713-823-8253