J. Arthur Dail

Many companies only realize their reserves are insufficient when they face a crisis. When our client sold off a division of healthy employees, their health plan stayed stable. Why? Because they calculate rates using maximum liability figures. While they don't always fund to the maximum level, this approach ensures they're building adequate reserves. By consistently working toward maximum liability funding, they've created a buffer that absorbs cost fluctuations. It's a mindset shift: instead of treating reserves as a safety net, treat them as your foundation. What's your approach to funding your reserves? #EmployeeBenefits #HealthcarePlanning #SelfFunding #RiskManagement

Many organizations operating a self-funded health plan base their funding on expected claims rather than planning for maximum liability. This approach leaves them vulnerable to significant budget fluctuations and potential shortfalls when claims exceed expectations. This case study shows a different approach: one that delivered the financial stability to maintain consistent plan designs for several years, providing reliability for their employees while protecting the company's bottom line. Read the full case study to see the steps this company took to create true stability in their health plan. https://lnkd.in/e7ci723G #EmployeeBenefits #RiskManagement #HealthcareCosts #HRStrategy

Our client has accumulated reserves sufficient to cover any contingency of claim fluctuations. Their secret? They stopped hoping for the best and started planning for reality. In our latest case study, we share the 3-step approach that helped them build unshakeable stability in their health plan funding. No shortcuts—just smart, strategic decisions that any company can implement. See the full strategy below. #EmployeeBenefits #HealthcareCosts #HRStrategy

Considering a self-funded health plan??Success isn’t about hoping for the best—it’s about?planning for every scenario. Many companies embrace?a self-funded health plan?for cost control, but without the right funding strategy, they risk unexpected?cost spikes??? Key Takeaways for Employers ?? Plan for?maximum liability?to create financial stability ?? Small, consistent adjustments?prevent dramatic cost swings ?? Build reserves for?greater flexibility and protection ?? Long-term planning?beats short-term reactions #SelfFunded #EmployeeBenefits #HealthcareStrategy #BusinessPlanning #HR #CFOs

Stay ahead of rising health plan costs with Benefits Insight, our weekly newsletter. ?? Subscribe here: https://lnkd.in/e7ci723G Each week, we share practical strategies and clear analysis to help you build better benefits while managing costs. From stop-loss strategies to plan design tips, get actionable insights delivered right to your inbox. #EmployeeBenefits #HealthcareCosts #BenefitsStrategy

This isn't just about risk vs. savings - it's about understanding when each approach serves your organization best. Many financial leaders don't realize they can maintain laser protection while still having the option to voluntarily accept specific lasers that make financial sense. The key is having enough data and confidence in your care management strategies to make these decisions strategically. What's your take? Have you found more value in complete protection or strategic flexibility? #CFO #StopLossInsurance #RiskManagement #EmployeeBenefits

Should you always avoid laser deductibles? Not necessarily. Underwriting is always open to evaluating a laser when appropriate—you just need a strategy to control it. Need help evaluating your stop-loss strategy? Our team at J. Arthur Dail can help you make the right choice for your organization. Send us a message to start the conversation. #StopLossInsurance #RiskManagement #EmployeeBenefits

Many CFOs automatically buy 'no new laser' contracts without realizing they can still accept strategic laser deductibles to reduce premiums. Your stop-loss insurance can work harder for you - here's what financial leaders need to know about maintaining protection while cutting costs. Read the full article to see how your organization can make informed decisions about laser deductibles that align with your risk management strategy. #StopLossInsurance #RiskManagement #EmployeeBenefits

Are you following a clear process for your stop-loss decisions? Here's a practical checklist our most successful clients use to evaluate their "no new laser" contracts. This assessment approach helps you balance protection with savings. Save this guide for your next renewal discussion. Want to walk through this assessment for your organization? Let's talk about your specific situation. #StopLossInsurance #RiskManagement #EmployeeBenefits

Get clear answers to your toughest benefits questions, delivered weekly. Our Benefits Insight newsletter cuts through the confusion with real examples and practical solutions for managing your employee health plan. Join business leaders who rely on our 30+ years of experience to make confident decisions about their benefits. ?? Subscribe now: https://lnkd.in/e7ci723G #EmployeeBenefits #HealthcareSolutions #HRLeadership #BenefitsPlanning