UBA and Sun Life Financial have had a very successful stop-loss program for the past six years. The intent is to continue to grow the coalition.

Most stop-loss cases are eligible for the coalition, but it is still an underwriting decision and a case might not be a good fit for the coalition from a risk perspective, or may be ineligible (if marketed through a third party, for example). If a stop-loss case is sold outside the coalition, then none of the benefits of the coalition apply including the override, ERR, and wellness credit.

Employer Letter

We now have an updated employer letter for all UBA clients. This letter includes a place for employers to sign to acknowledge that they understand the terms and conditions of the program. This letter is a part of the sold case process for both new and renewal. This additional step will work to reduce the confusion surrounding coalition and non-coalition business. The clients' signature will serve as documentation that the group is joining the UBA Stop-Loss Coalition and further confirms eligibility for its coalition benefits (the experience rated refund and wellness credit reimbursement). A draft of the letter can be found on the UBA Wisdom Network.

End-of-Year Strategy

• Start out 2018 on the right foot. Now is a good time to re-evaluate your plan document.
• Take advantage of an often underutilized coalition benefit and SunResource.
• Have your plan document reviewed by one of Phia Group's plan document specialist.
• To learn more, contact your Sun Life stop-loss specialist. A listing of current specialists can be found on the UBA Wisdom network.

RFP Process

We’ve had a few recent cases that sold outside of the coalition with the real intent of joining the coalition. To ensure that your account is quoted in the coalition, please clearly mark your RFP for the coalition. Communicate with your Sun Life specialist your intent of quoting through the coalition throughout the quoting process. If you reach the finalist stage, re-confirm that your quote is recognized as a coalition account before it is sold. Not doing so will impact eligibility of ERR and wellness credits as these provisions are only available as a coalition account.