AP Blog

By Jason Wissmiller, 08/11/2020
We often receive phone calls from clients and prospects asking for a general liability policy to satisfy an insurance requirement in a contract, such as an airport lease. Like most insurance products, clients buy an aviation general liability policy with little knowledge of what the policy actually covers. In...
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By Mark Holt, 08/03/2020
N-95 masks have been the subject of increased focus by OSHA. These masks were originally designed for industrial use in sectors such as mining, construction, painting and manufacturing. Designed to filter out airborne particulates, they have a logical place in the healthcare setting to control airborne diseases...
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By Trevor Gilstrap, 07/29/2020
Fracking is a method that has been in use for decades but has become the hot buzz word in recent years, and is the alleged cause of everything from tainted water to silicosis. Regardless of your opinion on these growing allegations, these types of lawsuits from upset citizens are increasing throughout the...
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By Chris Pavone, 07/28/2020
Trucking’s role in keeping goods, materials and the economy rolling during the global pandemic has been nothing short of phenomenal and will certainly play a role in re-establishing “normal” supply lines depleted by hoarding households and profiteering resellers. Hopefully, everyone in the...
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Growing rates of healthcare workers are experiencing physical and psychological injury as a result of workplace violence related to resident care. A staggering 95% of healthcare workers have reported exposure to aggression. However, research has found that workplace violence is underreported, signifying that...
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07/15/2020
When setting up a flying club, or managing an existing flying club, there are several things you can do to make yourself more attractive to an underwriter. By making yourself more desirable to an underwriter, you can maximize your coverage and minimize the premiums you pay. Here are our Top 10 Flying Club...
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By Nathanael Alexander, Esq., 07/14/2020
On July 8, 2020, by a vote of 7-2, the Supreme Court of the United States (SCOTUS) in their Little Sisters of the Poor decision upheld Trump administration rules permitting employers to decline contraceptive coverage (including preventative health services, birth control pills, IUDs, etc.) on the basis of...
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By Nathanael Alexander, Esq., 07/08/2020
On June 15, 2020, the Supreme Court of the United States (SCOTUS) held in Bostock v. Clayton County, Georgia that Title VII of the Civil Rights Act of 1964 bars an employer from firing an individual merely for being gay or transgender. In its ruling, the Court noted that it is “impossible to discriminate...
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By Gina Ekstam, 07/08/2020
Agribusiness worksites, shared worker housing, and shared worker vehicles present unique challenges for preventing and controlling the spread of COVID-19. Joint guidance by the CDC and DOL provides a template that employers can adapt to protect their workers. Through thoughtful planning, it is possible to...
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By Nathanael Alexander, Esq., 07/02/2020
Due to the COVID-19 pandemic, countless employees with young children have opted to utilize the time off provisions of the Families First Coronavirus Response Act (FFCRA) in order to provide care to their children in lieu of school and day care center closures nationwide. Now that schools are closed and a vast...
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5 W’s (and “How”) of Employee Benefits Communication
10/03/2016

Your group benefits packages are a significant investment in your employees. Properly designed, positioned and communicated, the benefits package is one of the best tools in your arsenal to attract the right talent, enhance employee engagement and retain your most valuable employees.

As you head into this year’s benefits renewal season, it is more important than ever to think strategically about employee communications strategies.  Can you answer the five W’s (and How) for making the most of marketing your benefit programs to your employees?

Start with the “What”
What are your clients promoting? Your work building the best benefits package possible is the “what.” You analyzed your workforce, studied usage and costs, possibly surveyed your employees regarding their benefits preferences, considered various Department of Labor and the Affordable Care Act regulations and worked through longer-term benefit design issues with the impending 2018 Cadillac tax—to compile the best benefit packages your budgets will allow.

Make sure you provide clear information, checklists and decision-support tools that are easy to follow. While the details behind a certain benefit may be fascinating to benefit specialists, it may cause some employees to set that carefully crafted document aside. By all means, have the details available, but keep the key messages and “what you need to do for enrollment” information central to the enrollment materials.

Move to the “Who”
Who will be listening? While your work is vital, the benefits package will not benefit your clients unless their employees use it. Knowing the audience and targeting benefit communications to meet those lifecycle needs makes the benefits more personal and relevant. Employees with young families, older workers preparing for retirement, empty nesters and young singles all have distinctly different benefits needs and interests. Another aspect of “who” are managers and supervisors. Give them a heads-up regarding the upcoming benefit changes and enlist their help in the process.

Your group benefit packages are a significant investment in your employees. Properly designed, positioned and communicated, the benefit package is one of the best tools in your arsenal to attract the right talent, enhance employee engagement and retain their most valuable employees.

“Where” is Important
Where will you reach your employees? Promote messaging that speaks to your employee’s needs while consistently reinforcing the overall benefits strategy and employer branding in the messaging.  Different communications delivery systems may also be important to different employee groups. Multimedia messaging that provides different methods for employees and/or their families to watch videos or webinars, read detailed benefits materials, review infographics, use “hands-on” decision tools, view desktop dashboards or popup “did you know” benefits messages, read questions and answers or consider examples helps employees recognize the value of the benefit and make better benefit decisions. Determine the campaign for repeating key messages and the frequency of those communications.

Now the “When”
When should you promote? This is a good time for you to highlight the important value of your benefit programs, promote wellness, encourage retirement savings and incentivize cost-effective usage of benefit programs.  Your employees are smart, so don’t sugarcoat any bad news about changes in the benefits program. The best employees will see through the slick messaging and resent those attempts to hide changes that may be perceived as negative.

And Never Forget “How”
How will the plan be implemented? What are the enrollment methods? Online? Manual? Make it as administratively simple as possible for both employees and the benefits administration staff. Use electronic tools if the budget allows. Your benefit programs will only realize the investment potential if the benefits are perceived as meeting the expectations and needs of your employees and beneficiaries. The annual open enrollment communications opportunity is precious—employers can influence how employees see benefits or cost changes, motivate employees to change their health or savings habits, and let employees know that management is listening, considering their feedback valuable and responding to their needs.