Archive

shutterstock_252811903 - Copy1. Group GAP plans. Millions of Seniors purchase Medigap plans to fill in holes in Medicare A&B. Employer groups can offer the same strategy. Offer workers several Group “GAP” plans to fill in holes in HDHPs. Learn more about GAP coverage: http://cheltenbenefitsgroup.com/medigap-rest-us/

2. Return of Premium. Our plans pay 10% commission on the total premium. If you don’t use all your claims dollars, you get a refund at the end of the year. This works with Bronze HDHP plans for more health-conscious consumers.

3. Smartphone-Compatible Benefits Videos. Communicate coverage quickly and accessibly through 60 second video clips of all their benefits 24/7! HR personnel and employees love this service, and your competition doesn’t offer it. Samples available at http://cheltenbenefitsgroup.com/communications/.

4. Stryde/GMG Cost Recovery Services. Let’s face it, at some point, we won’t be able to find any more health plan savings. You may be there already and yet your client won’t listen. They want savings. Look beyond health costs for your answer. You can now offer a cost audit service that recovers taxes, overpaid utilities, uncovers federal credits and more. Just show them our 60 second calculator and they will marvel at how much money you have recovered for them. To learn more, contact us.

5. Joint Work 15/5 Agency Growth Plan. Leveraging Stryde Services to enhance client revenue, we parachute you into new prospects seeking similar cost recovery solutions. These prospects become your next batch of Stryde clients as well your next batch of benefits prospects. We can even sell the Stryde services on your behalf as part of a joint work program! Learn more: http://cheltenbenefitsgroup.com/joint-work-15-5-agency-growth-program/.

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New Stryde Video Sales Tools for Benefits Agents

  • Posted on May 15, 2017
  • by Admin

Our new Stryde videos help agents bring GMG/Stryde cost reduction and expense recovery solutions to prospects and clients across more verticals with targeted messaging. The Stryde program can work for virtually any organization, but our new video target some of the most significant and relevant business sectors, including healthcare, hospitality, and more.

We’ve also created a new video the 15-5 Agency Growth plan leveraging Stryde Solutions to bring agents fruitful joint work opportunities. Click on the image below to visit the new and improved Stryde video page!

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Joint Work 15-5 Agency Growth Program

  • Posted on May 2, 2017
  • by Admin

Are your benefits agency commissions are being cut by ACA? Are you searching for new revenue solutions? Chelten Benefits Group “15-5 Agency Growth” value proposition is bringing new revenue opportunities to agencies of all shapes and sizes.

Just introduce us to 15 suitable business clients you currently represent (commercial property owners, auto dealers, manufacturers, restaurants, engineering, etc.). Over the next 12 months, we’ll earn your agency $300,000 new revenue and parachute you into 15 new business clients. Want to know more? Check out the infographic below and visit our new page.

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The Chelten Benefits Team is a Senior Agent with Stryde Solutions. Our team works with clients to identify Specialized Tax Incentives and Expense Reductions. Stryde Solutions has captured over $300M in benefits for clients. Stryde offers opportunities to increase revenues from your current clientele and gain access to a variety of new clients. We stand head and shoulders above the crowd for the following reasons:

* Bring clients hundreds of thousands in revenue with zero upfront fees.

* Access direct mail lead gen program to sky rocket your sales.

* Manage your entire business from a hi-tech marketing portal.

* No other company in the world has as many cutting edge services to offer.

Ready to take the next step? Click here to learn more.

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Premium Saver – How Does It Work?

  • Posted on April 4, 2017
  • by Admin

Premium Saver offers significant cost reductions for employers and employees alike when managing ACA compliance and claims. HDHPs provide low monthly costs for employees and employers, but the insured can incur high out of pocket expenses prior to significant plan assistance. Premium Saver helps cover the spread, reducing out of pocket maximums to manageable levels. Click on the video below to learn more about this service and how you can communicate its benefits to your clients and prospects.

To learn more, contact us!

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GAP Coverage Video

  • Posted on April 4, 2017
  • by Admin

GAP coverage provides both cost reductions and increased employee health plan satisfaction through elective supplementary coverage options. Introductory videos are a great way for you to connect with your prospects and clients, and for them to connect with their employees. Learn more about how you can communicate the advantages of GAP coverage to your clients and prospects – watch the video below.

To learn more, contact us!

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Watch our 8-minute on-demand webinar to learn more about opportunities to increase commissions with your current clients and build relationships with new clients – not from a bottom-up approach, but parachuting in from the top with high-quality referrals and high-value, low-risk opportunities. Then schedule an appointment with us to get started!

Click here to setup a one-on-one call with Dick Chelten.

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Many companies end up overpaying their workers’ compensation premiums by hundreds of thousands of dollars each year. This is most often due to a misclassification of company type and employee responsibilities. Misclassification can cause a number of issues beyond overpayment. Some examples include insurance premiums spiraling out of control or contractors paying too much in workers’ comp premiums for employees who do not work on site.

One study based out of Asheville, NC discovered 70 percent of employers overpay their workers’ comp premiums. This is why it is vital for companies to work with insurance brokers to guarantee their business has the proper classification code. It may be tempting for business owners to avoid using a broker in an attempt to save money, but their lack of classification coding expertise can be expensive and hurt their bottom line.

This issue tends to be a bigger problem for small companies that require less than $500,000 in premiums. This is because they often lack alternate funding plans for workers’ comp that large businesses can afford to retain. To put it in perspective, premium rates vary by job type and work environment. Coverage for an office secretary may be as low as $0.30 per every $100 whereas a roofer can be 100 times that amount at $30 per $100 of compensation. Workers’ comp accounts for almost 1/3 of the money businesses spend on insurance, so proper coding is vital.

Insurance agents can best help their clients stabilize workers’ comp premiums by becoming Stryde representatives. Stryde agents can provide a variety of services including workers’ comp audits, specialized tax incentives and more. To learn more about how Stryde’s services benefit insurance agents, contact Chelten Benefits.

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Business owners are often looking for ways to save money to improve their bottom line. However, many of these efforts focus on salaries, personnel, and other areas that can hurt a business if cut. For example, reducing personnel can have a deleterious effect on customer service. Dissatisfied customers will look to competitors for a better experience.  So what can insurance agents do to help their business clients improve their bottom line without damaging morale or customer relationships?

Reviewing Workers’ Compensation Premiums

A major area where businesses can recoup expenses is by reviewing their workers’ compensation premiums. Audits can reveal clerical errors or misclassifications that can cost businesses thousands of dollars. Industrial classification and experience modification calculations can help companies determine if their workers’ compensation premiums are in line with the number of individuals they employ and the level of loss they typically experience.

Revealing these mistakes can allow employers to recoup partial refunds and save money in the subsequent years. Providing tangible solutions that not only solve problems but also improve finances can help agents build leads.

Insurance agents can offer this type of audit service to their clients by becoming a Stryde agent. Stryde agents have access to expense recovery solutions and services. One of Stryde’s many services is auditing workers’ compensation premiums. Stryde Solutions can help unearth tax credits and other ways to recover overpaid expenses as well. To learn more about becoming a Stryde agent to help your clients recover expenses, contact us.

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shutterstock_251707783 smMargaret is a life insurance agent specializing in business and estate planning. You could always count on her to be an exhibitor at any and every CPA convention or show.  There, she would struggle to find CPA’s willing to be new potential referral sources. In the past, it was difficult to separate her services from those of other life agents.  That was until Margaret became a GMG/Stryde agent.  Then, her life changed…big time.

Margaret now promotes the GMG Cost Recovery Audit service to small and mid-sized CPA firms.  These practices often don’t have the staff or expertise to perform cost recovery audits that can recover their clients thousands of dollars in taxes.  The GMG audit service provides CPAs with a new added value service for their clients. Margaret offers an “either/or” proposition to these CPAs.  They can become GMG/Stryde representatives and offer the GMG audit services directly to their clients with Margaret earning a commission override on everything they do.

Or, if they prefer, they can simply refer Margaret to their clients and Margaret can handle the entire case.  Either way, Margaret likes to say that as a GMG rep, she is now being “parachuted” into new client’s offices rather than having to “burrow up through the floor boards” and referrals are pouring in. This year is her biggest year ever. She is on pace for MDRT Top of the Table status.  Margaret no longer stands behind an exhibitor booth.  Life is very good for Margaret.

To learn more about following in Margaret’s footsteps, contact us.

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