United Benefit Advisors Insight and Analysis Blog

Terry Allard

CEBS, Sr. Benefits Advisor at The Wilson Agency
A UBA Partner Firm

Recent Posts

The RFP vs. the Two Step Process — Choosing Group Health Insurance

Posted by: Terry Allard    Feb 26, 2015 12:00:00 PM

Many employers look at employee benefits as a commodity, bidding out their plans annually -- and who can blame them? Rising health care costs coupled with a challenging economic environment have forced many human resources decision-makers to focus heavily on cost.

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Topics: The Wilson Agency, group health insurance, Terry Allard, RFP, Two Step Process

Why Buy Group Health Insurance through a Broker?

Posted by: Terry Allard    Feb 24, 2015 12:00:00 PM

Employers have a lot of choices when it comes to buying group health insurance, including going directly to a carrier (or one of its agents), buying online, or going through a broker. Direct-to-carrier paths make it more difficult to shop the market across product lines, and buying online can leave the employer responsible for navigating “representative” quotes, difficult terminology, Patient Protection and Affordable Care Act (PPACA) compliance and ongoing service issues. Good brokers, on the other hand, have the market, compliance, and product knowledge to help employers save money and appropriately manage risk. They will typically offer hands-on experience, free top tools and resources, and a one-stop shop for programs and services. United Benefit Advisors (UBA) is a partnership of the country’s leading independent brokers, a unique model that offers the “Wall Street” savings, resources, and efficiencies of a large centralized company along with the “Main Street” personalized service and entrepreneurial spirit of a local business. In fact, that’s why we like to call UBA Partners “advisors,” not “brokers.” There are many questions you should ask before hiring an advisor, but first and foremost, benefit advisors should have the heart of a teacher in order to effectively guide you through the complex maze of regulations, legalities, coverages, plans, and options.

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Topics: group health insurance, United Benefit Advisors, broker, cost management, advisor

Why Your Disability Insurance Audit is So Important

Posted by: Terry Allard    Jan 27, 2014 2:49:00 PM

Terry Allard, Sr. Benefit Advisor
The Wilson Agency, LLC

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Topics: ancillary benefits, disability management, UBA Partner Firm, employee benefits, hr consulting, absence management, absenteeism, disability insurance