Mitigating Risks with Plan Design (1.0 CE Credit)

Business owners are looking to their advisors for guidance as benefit plan premiums continue to climb year over year. With renewal season bringing increases of 10%, 20%, or more, the question becomes: how can you explain these rising costs—and better yet, how can you help control them?

Join this session to explore practical, advisor-led solutions to mitigate risks and manage benefit premium increases through smart, proactive plan design.

In this Zoomcast, we examine:

• How to use tools like Stop Loss, Pre-Ex on drugs, and Formulary Protect to cap and manage drug costs.
• The impact of combined and family maximums on Dental and Paramedical coverage.
• How graduated coverage can reduce risk while enhancing plan flexibility.
• Why using a flat amount for Life and AD&D benefits is often a smarter alternative to earnings-based coverage.
• Tangible plan design ideas you can present to clients immediately.
• Q&A to address specific scenarios you’re seeing with clients.

This session is presented by The Benefits Trust, helping advisors bring real solutions to their clients when it matters most.