Preparing for an Unprecedented Benefits Open Enrollment

Jeff Griffin

秋天就在拐角处,这也意味着我们即将进入员工福利开放的入学赛季,就像以前一样。许多组织仍然完全偏远。其他人仍在尽力尽可能地重新打开,尽可能地在州和地方政府的混合信息和流体指南中尽可能地重新开放。

Suffice to say, open enrollment planning is the last thing on anyone's mind, except that is, for your employees, who are more concerned than ever about having the right coverage and savings options in place during these uncertain times.

Procrastinating or allowing yourself to get too distracted from benefit decisions and enrollment planning is a recipe for disaster, given what's at stake this open enrollment season.

Here's what we're seeing out there and our advice on how best to prepare for open enrollment.

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Topics:Communications,open enrollment,冠状病毒病-19

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19 Ways to Improve Open Enrollment Meetings

大卫车

With budgets stretched and attendance down, more and more employers seem to be doing away with face-to-face employee benefits open enrollment meetings. That's a shame, especially since healthcare coverage options are more complicated than ever before.

This drop in attendance and lack of interest in holding benefit information sessions is all the more surprising considering thathealthcare literacy仍处于令人担忧的低利率。人们会认为这种知识差距会引发焦虑,这会激励更多员工参加这些年度利益介绍。

So what can employers do to help bridge this education divide? After all, if employees aren't educated on things such asHDHPs with HSAs,Limited Purpose FSAs, 甚至telemedicine, then how will they ever embrace these benefit options - all of which are becoming more and more popular with employers and employees alike.

以下是一些员工参与思想,您可能希望尝试重新成交和教育您的公开入学季节;

1. Go Digital.

For better or worse, mobile devices are in our hands throughout the day. Take advantage of this and reach out to your employees through one (or several) streams.

  • Send a text message告诉员工,开放的注册即将到来并提醒他们阅读他们的产品文献,并与他们的配偶交谈,以便准备好注册。
  • Ask them questionsvia email beforehand, as well as during the meeting. Try aPoll Everywhere,Kahoot, orGoogle Forms格式聘用员工并鼓励参与。这些工具允许员工在响应时匿名回答问题。这是一个很好的方法,实时发现,哪个主题更加关注,特别是如果员工展示对特定利益缺乏了解。
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Topics:Company Culture,Employee Engagement,Employee Communications,open enrollment

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4 Ways to Spice Up Employee Benefits Open Enrollment Meetings

大卫车

秋天在这里,叶子正在发生变化,在你知道之前,新的一年将开始。对于许多雇主来说,迅速接近的新年意味着年度福利公开招生会议。

But it seems like every year, it’s more difficult to get employees to attend the meetings, pay attention, and learn how they can make the most of their benefits.

All the while, the push to consumer-driven healthcare is making things more complicated. From HSAs and HDHPs to HRAs and Limited Purpose FSAs, how are employees supposed to take full advantage of the great benefits you offer if they don't take the time to learn about these new products and services? Perhaps it’s time totry something newto spice up your annual open enrollment and真的搞你的员工.

Here are four ideas to try to mix things up with your benefits open enrollment this year.

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Topics:Employee Engagement,open enrollment

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员工福利Automation; Optimizing Online Enrollment Systems

Jeff Griffin

今天有无数的在线员工福利注册系统。虽然每个人都旨在使我们的生活更轻松(员工,雇主,保险公司,工资提供商和benefits advisors), some don't quite live up to the hype.

While the initial transition from paper enrollment to any one of these online enrollment systems typically yields tremendous upside from an efficiency, speed and data integrity perspective, it's highly unusual for an enrollment system to be fully optimized for peak performance at first launch.

Tweaking and perfecting the system in the quest to maximize performance and outcomes should be an ongoing activity within your organization. Most agree that the goal of optimizing these systems is to make them aseasy and intuitive as possible for your employees to use, while also guiding educated, informed and appropriate employee benefit decisions for your workforce.

Much of what’s considered “best practice” in online benefits enrollment has been adopted from best practices in eCommerce. After all, enrolling in benefits these days isn't that far off from purchasing something off Amazon, comparing cars at AutoTrader, or configuring a laptop at Dell.

虽然此列表绝不是完整的,但这里有一些最佳实践您应该考虑采用优化在线优势的配置,以获得峰值性能。

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Topics:员工福利,必威手机网,open enrollment,Strategy,Decision Tools

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Active vs. Passive Open Enrollment; Weighing the Pros & Cons

大卫车

Employers who offer health benefits are required each year to hold a benefits enrollment "window", commonly referred to as an open enrollment period.

During open enrollment, employees can renew, adjust, or waive benefit options. Outside of aQualifying Life Event, open enrollment is essentially the only time an employee can make changes to most (though not all) of their benefits.

虽然雇主是必要的,但依法持有开放的注册,而未​​定义的内容是,注册是否需要被构建为“有源”或“被动”。被动注册期是员工从前一年的福利选择的一个,只需翻转和/或自动迁移(在原因内)到类似的选项。另一方面,积极的入学人员要求员工选择,更新,调整,有时会积极下降效益选举。(SPD和其他计划文件通常会阐明员工的这些规则。)

In a nationwide survey conducted by the JP Griffin Group this April, 2019 amongst full-time, benefit-eligible employees in the U.S.,50 percent(half) reported participating in a passive enrollment this year. Compared to a2011 survey of employers, where 71% reported holding passive enrollments, these new findings represent a 30% decrease in the number of companies conducting their open enrollments passively.

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Topics:HSAs,passive enrollment,open enrollment,active enrollment,Strategy,FSAs,401(k)s

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10 Pitfalls to Avoid This Open Enrollment Season

大卫车

For many who work in human resources and employee benefits, open enrollment can be a stressful time of year. Focused on meeting tight deadlines and pleasing multiple stakeholders, many HR professionals often repeat sins of the past and fail to make annual, incremental improvements in their open enrollment processes.

Optimizing your open enrollment is critical to ensuring its ongoing success. After all, over time you learn more about how best to communicate with your organization, particularly as the employee benefits space evolves i.e. new benefit products and services, and new technologies.

In the spirit of continuous improvement, whether you're working off of a well-established checklist or with youremployee benefits broker, be sure to avoid these common pitfalls during your next open enrollment.

1. Ending Open Enrollment Outside of Normal Office Hours

Procrastinating employees will inevitably have last minute questions and may experience technology troubles. Make sure your deadline for open enrollment falls during the workweek and during normal office hours when your HR staff is still on duty to help them through those final steps in the process.

2. Ignoring Other Household Decision Makers

通常,您的员工不是唯一一个在福利决策中的权衡。确保您正在使用的沟通材料和媒体渠道,您正在使用其他家庭和主要决策者如配偶。考虑扩大邀请函,以向整个家庭开放入学会议。

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Topics:Employee Engagement,HSAs,open enrollment,HDHPs

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优化在线福利注册系统的最佳实践

大卫车

今天有无数的在线员工福利注册系统。While each is designed to make everyone’s lives easier — employees, employers, insurance carriers, payroll providers andbenefits advisorsalike, some don't quite live up to the hype.

While the initial transition from paper enrollment to any one of these online enrollment systems typically yields tremendous upside from an efficiency, speed and data integrity perspective, it's highly unusual for an enrollment system to be fully optimized for peak performance at first launch.

Tweaking and perfecting the system in the quest to maximize performance and outcomes should be an ongoing activity within your organization. Most agree that the goal of optimizing these systems is to make them aseasy and intuitive as possible for your employees to use, while also guiding educated, informed and appropriate employee benefit decisions for your workforce.

Much of what’s considered “best practice” in online benefits enrollment has been adopted from best practices in eCommerce. After all, enrolling in benefits these days isn't that far off from purchasing something off Amazon, comparing cars at AutoTrader, or configuring a laptop at Dell.

虽然此列表绝不是完整的,但这里有一些最佳实践您应该考虑采用优化在线优势的配置,以获得峰值性能。

利用轻推理论

虽然“nudge理论”在Richard Thaler获得了诺贝尔经济学奖,the concept is quite simple. It’s a subtle policy shift that encourages people to make decisions that are in their broad self-interest.

实践,它只是使用“选择退出”作为某些福利选择的默认选项。这要求某人积极取消选择。未能这样做导致在该福利中的自动注册。努力的一个很好的例子是pre-selecting a 3% contribution into an employee's 401(k) vs. leaving the field blank. This simple change will have a massive impact on 401(k) participation.

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Topics:员工福利,必威手机网,open enrollment,Strategy,Decision Tools

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活动与被动注册:哪一个适合贵公司?

大卫车

Open enrollment这是一年中繁忙的时间,既有大小的公司。Employers can approach employee benefits open enrollment in one of two ways: active or passive enrollment.

Active enrollment means that employees MUST re-evaluate their previous benefit choices and elect from current options for the upcoming year. Passive enrollment allows employees to simply re-enroll in their current choices with little or no involvement in the open enrollment process.

So what are the pros and cons of active vs. passive enrollment?

Passive Enrollment

According to the most recent (albeit very dated)民意调查available, 72% of U.S. employers prefer passive enrollment over active enrollment. Why is that?Well, for starters, it's simply easier on both ends. Employees can check off a box re-selecting their previous year's health insurance choices, and employers have less of an administrative burden to deal with, especially if plans remain relatively the same. A passive approach saves time for both employees and employers.

But does simple mean better? With benefits trending more and more towards consumer-driven health plans, a passive enrollment does not work well alongside that type of benefits approach.

According to a2016 Open Enrollment survey通过AFLAC,超过一半的员工(54%)声称,他们每年浪费高达750美元,而与保险福利有关的差。被动入学基本上是一个继续制定过去相同的福利选举错误的邀请,它允许一条最低抵抗的抵制,欺骗员工从一个反思,重新评估和重新建立自己的家庭最适合的东西。

生活情况可以每年变化,无论是离婚,婚姻,收养,孩子的诞生,成熟的家属还是重大的健康变化。对员工或雇主来说,这是一种汽车飞行员方法。

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Topics:passive enrollment,open enrollment,active enrollment,Strategy

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