Raymond E. Ruth- AFLAC

Raymond E. Ruth- AFLAC We provide cash benefits to our policyholder for accidents, injuries, and illness.

Whole and Term Life, Juvenile Whole and Term Life, Cancer Care, Accident Indemnity, Hospital, Critical Care, Dental, Vision, and Short-term Disability.

04/16/2015
04/13/2015

Q. Which of the following benefits does your company offer to employees?

Response Survey Total Other >100
Dental insurance 74.0% 72.2% 47.0%
Life insurance 66.5% 66.2% 36.6%
Vision insurance 62.2% 61.4% 33.1%
Disability insurance 60.5% 60.4% 32.4%
Voluntary insurance 35.3% 35.2% 17.8%
Domestic partner coverage 29.3% 28.2% 12.6%
401k or other pension programs 77.7% 77.2% 54.5%
Flexible spending plan 49.0% 48.8% 20.5%
Flexible scheduling 30.9% 30.6% 26.5%
Flexible work options 29.0% 29.0% 26.0%
Wellness Program 37.6% 36.0% 14.9%
Employee Assistance Program 39.7% 37.3% 12.2%

Q. Which of the following methods do you currently use for enrollment in insurance benefits?

Response Survey Total Other >100
Online 60.0% 59.1% 42.9%
Paper 46.2% 45.1% 46.9%
Face-to-face 45.6% 44.9% 46.5%
Call center 16.6% 16.5% 8.4%
Kiosk 4.3% 3.9% 1.4%
Sum for all possible responses, except 'Other' 172.7% 169.5% 146.1%

Q. What method do you feel is most effective for enrollment in insurance benefits, whether or not it's the method you currently use?

Response Survey Total Other >100
Online 53.2% 52.5% 45.1%
Face-to-face 31.1% 32.3% 37.3%
Paper 8.5% 8.2% 11.0%
Kiosk 2.0% 1.8% 2.0%
Call center 4.9% 4.6% 4.3%
Sum for all possible responses, except 'Other' 99.7% 99.4% 99.7%

Q. How well do you think your company's current benefits package meets your employees' needs?

Response Survey Total Other >100
3 - Somewhat Well 33.3% 33.4% 38.4%
2 - Not very Well 4.3% 4.7% 6.9%
3 - Somewhat well + 2 - Not very well 37.6% 38.1% 45.3%

Q. Thinking of the past twelve months, how many times did you or your human resource department communicate with employees about benefits that are available?

Response Survey Total Other >100
Only at open enrollment or new hire enrollment 23.7% 23.6% 25.8%

Q. How effectively do you think your company communicates with employees about benefits offered?

Response Survey Total Other >100
3 - Somewhat effectively 38.9% 38.0% 36.7%
2 - Not very effectively 5.8% 5.4% 6.0%
3 - Somewhat effectively + 2 - Not very effectively 44.7% 43.4% 42.7%

Q. Does your company tailor its benefits offerings based on the needs of employees at different levels or life stages?

Response Survey Total Other >100
No 60.7% 61.6% 64.7%

Q. How important is the brand name or reputation of the provider you select for health insurance products?

Response Survey Total Other >100
Top 2 Box (NET) 53.9% 54.4% 49.8%

Q. Thinking of the overall benefits package offered by your organization, to what degree do you believe your benefits package influences your employees - Top 2 Box Summary

Response Survey Total Other >100
Job satisfaction 52.4% 51.5% 44.3%
Loyalty to employer 48.0% 47.6% 43.1%
Willingness to refer friends to the company 36.1% 35.4% 28.4%
Decision to leave the company 33.2% 33.0% 29.5%
Work productivity 39.7% 39.3% 34.6%
Their overall financial health 55.1% 55.6% 49.3%

Q. How strongly do you agree or disagree with the following statements - Top 2 Box Summary

Response Survey Total Other >100
Employees at our company need to be more engaged in making benefits decisions 52.6% 51.7% 41.1%
Our employees take full advantage of the benefits we offer 52.5% 53.0% 48.3%
We are taking steps to help our employees become better engaged in benefit decisions 57.8% 57.6% 47.0%
Our benefits package is a ''one-size-fits-all'' approach 43.2% 43.1% 43.5%
We effectively communicate the value of our benefits to our employees 62.6% 61.4% 56.4%

Q. Of the following business objectives, which are the two most important issues for your company right now? - 2nd Most Important

Response Survey Total Other >100
Controlling costs 21.4% 21.8% 24.8%
Managing the productivity of our workforce 12.6% 11.1% 12.8%
Finding the right amount and level of talent to achieve our business goals 13.7% 13.6% 14.8%
Managing the impact of healthcare reform 9.6% 9.5% 6.9%

Q. Of the following business objectives, which are the two most important issues for your company right now? - Most Important

Response Survey Total Other >100
Controlling costs 27.2% 23.8% 28.0%
Managing the productivity of our workforce 11.6% 12.6% 11.2%
Finding the right amount and level of talent to achieve our business goals 14.3% 14.7% 14.1%
Managing the impact of healthcare reform 5.8% 5.0% 6.0%

Q. Of the following business objectives, which are the two most important issues for your company right now? - Most/2nd Most Important

Response Survey Total Other >100
Controlling costs 48.6% 45.6% 52.9%
Managing the productivity of our workforce 24.2% 23.7% 24.0%
Finding the right amount and level of talent to achieve our business goals 28.0% 28.3% 28.9%
Managing the impact of healthcare reform 15.5% 14.6% 12.9%

Q. How strongly do you agree or disagree with the following statements - Top 2 Box Summary

Response Survey Total Other >100
My company believes that wellness programs can directly impact corporate profitability 51.2% 51.3% 39.8%
My company believes that wellness programs can decrease healthcare costs 60.6% 59.6% 50.0%
My company's profitability is due in part to offering a robust benefit package 37.5% 37.7% 28.0%

Q. How effective do you think your company's wellness program is?

Response Survey Total Other >100
Top 2 Box (NET) 45.7% 45.2% 44.0%

Q. Please choose which of the following reasons your company doesn't offer a wellness program.

Response Survey Total Other >100
We can't sell the value of a wellness program to executives 11.7% 11.6% 7.5%
We can't determine an ROI of a wellness program 21.4% 22.6% 16.3%
Lack of interest from employees in a wellness program 33.2% 34.2% 34.4%
We don't believe wellness programs have an impact 10.1% 11.1% 10.2%
We don't have the time to maintain a wellness program 27.1% 27.1% 28.3%
We don't have the resources to maintain a wellness program 50.3% 48.2% 58.3%

Q. Thinking specifically about your major medical/healthcare plan(s), did your company do any of the following for 2013, and does your company have plans to implement any of these changes for 2014? - Plan to change in 2014

Response Survey Total Other >100
Implement a major medical/healthcare plan with a high deductible (over $1,000) and HSA as alternative to traditional medical plan 15.2% 15.3% 15.8%
Introduce employee healthcare incentives 14.3% 13.8% 10.3%
Reduce the number of major medical/healthcare plan options 12.7% 12.5% 11.6%
Increase employee's co-pays 28.8% 27.4% 23.5%
Increase employee's share of the premium 30.2% 30.0% 23.5%
Eliminate contributions for family coverage 7.9% 8.1% 7.1%

Q. What personal issues do you think contribute to lower productivity at your organization?

Response Survey Total Other >100
Financial problems 79.1% 80.7% 76.4%
Health problems 80.8% 81.1% 77.9%

Q. Now we'd like to ask a few questions about healthcare reform. How well do you understand healthcare reform legislation?

Response Survey Total Other >100
Top 2 Box (NET) 39.7% 39.6% 30.0%

Q. Do you currently use a broker or benefits consultant to determine your benefits options?

Response Survey Total Other >100
Yes 63.7% 64.5% 61.6%
No 36.3% 35.5% 38.4%

Q. What are the top two challenges your company faces when offering voluntary insurance benefits? - Ranked #1 & #2 Challenge

Response Survey Total Other >100
Employees not interested in purchasing voluntary benefits 38.3% 38.9% 39.6%
Getting employees to understand their different options 51.8% 53.2% 46.2%
Administration of voluntary benefits program 30.3% 29.4% 23.6%

Q. What are the top two challenges your company faces when offering voluntary insurance benefits? - Ranked #1 Challenge

Response Survey Total Other >100
Employees not interested in purchasing voluntary benefits 20.7% 21.8% 20.8%
Getting employees to understand their different options 25.8% 26.2% 29.2%
Administration of voluntary benefits program 15.4% 15.3% 10.4%

Q. What are the top two challenges your company faces when offering voluntary insurance benefits? - Ranked #2 Challenge

Response Survey Total Other >100
Employees not interested in purchasing voluntary benefits 17.5% 17.1% 18.9%
Getting employees to understand their different options 26.1% 27.1% 17.0%
Administration of voluntary benefits program 14.9% 14.1% 13.2%

Q. On the whole, how knowledgeable do you think your employees are about all the benefits offered by your organization?

Response Survey Total Other >100
Top 2 Box (NET) 41.6% 43.3% 40.8%

Q. How knowledgeable do you think your employees are about voluntary insurance benefits?

Response Survey Total Other >100
Top 2 Box (NET) 24.2% 26.6% 21.7%

04/07/2015

Getting through to today's millennial workforce means communicating in their language. Our Employee Communications Toolkit can help you get the right benefits messages across. http://afl.ac/LilEL

04/02/2015

41,000
Over
construction companies
and related fields make
Aflac available to their
employees.

04/02/2015

The Accident Indemnity Advantage plan provides 24-hour accident coverage, and the Off-the-Job Accident-Only Indemnity Advantage plan provides accident coverage for accidents that occur while off-the-job only.

Accident Indemnity Advantage (24-hour coverage)

Issue ages 18–70 on a payroll basis
Issue ages 18–64 on a direct and nonpayroll/association basis
Occupational classes: A, B, C, D, and E
Available to 1099 workers/independent contractors
Available to unions through the LaborOne submission process

03/30/2015

More than 465,000 U.S businesses offer the protection of Aflac.
Shouldn't yours?

Learn how you can offer Aflac to your employees at no cost to your business.

Raymond Ruth
409-223-6131
[email protected]

03/11/2015

Would someone face financial difficulty if you passed away unexpectedly? Make sure you've done all you can to protect their way of life, secure their future and provide them with the proper life insurance protection that will see them through rough times. In this time of diminishing 401(k) balances and property values, Aflac life insurance offers a measure of stability you and your loved ones can count on.

03/11/2015

Aflac Life insurance helps take care of your loved one's immediate and future financial needs following your death. Immediate needs can include burial/funeral expenses, uninsured medical costs and current bills and debts. Future needs could include income replacement, education plans, ongoing family obligations, emergency funds, and retirement expenses.

Aflac offers a variety of life insurance to suit every need and income:

Term life insurance
Provides a death benefit for a specific length of time, usually 20 or 30 years. Coverage expires at the end of the term.

Whole life insurance
Offers a death benefit, plus an investment component that may be collected, borrowed or used to pay the policy's premiums. The policy may remain in force for a lifetime, as long as the premiums are paid.

Term Life Insurance Riders
To cover your spouse or children, a rider may be added to Aflac's term or whole life insurance policies.

03/11/2015

After an accident, you may have expenses you've never thought about before. Can your finances handle them? It's reassuring to know that an accident insurance policy can be there for you through the many stages of care, from the initial emergency treatment or hospitalization, to follow up treatments or physical therapy.

In addition, your regular bills, such as the mortgage or rent, car payments and utility bills don't stop when you're laid up after an accident. Aflac accidental injury benefits are paid directly to you, so you can use them to help with your normal bills as well.

03/11/2015

Individual accident insurance is a way to stay ahead of the medical and out-of-pocket expenses that add up so quickly after an accidental injury - not just for emergency treatment, hospital stays and medical exams, but for other expenses you may face, such as transportation and lodging needs.

When you have a covered accident, we'll send cash benefits directly to you (unless you tell us otherwise) and you decide the best way to spend them. It's as simple as that.

You'll receive cash benefits for these and other expenses that may not be fully covered by your major medical insurance:

Broken teeth
Concussions
Intensive care unit confinement
Ambulance, ground and air
Emergency room visits
Lacerations

03/11/2015

Your employees depend on having the
right benefits. So does your business.
Rising out-of-pocket costs have employees turning to
voluntary insurance and to employers who offer it.
Coverage your employees already want
60 percent of employees wish their company offered voluntary.1 Give them the provider who ranks #1 in U.S. Worksite/Voluntary Sales for 2012.2
No direct cost
Offering Aflac is as easy as adding a new payroll deduction. After that, there’s no direct cost to you.
Give your benefits a boost
In today’s healthcare climate, benefits matter. Offering Aflac makes more sense than ever before — even if you don’t offer major medical. What better reason to choose the #1 voluntary provider?

03/11/2015

Growing your business is easier with Aflac.
In today’s changing healthcare landscape, Aflac can help you expand your relationships with current clients — and even new ones too.
Competitive broker commissions
Aflac offers special commissions packages to help you maximize your revenue from the sales you generate.
Qualified broker team
Have questions? Need assistance? Getting help is as easy as reaching out to our qualified broker team.
Guaranteed-issue group and individual* products
We make our group and individual voluntary products easy to understand, sell and administer. And since they’re guaranteed issue, everyone can get covered.

Address

Beaumont, TX
77708

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

(409)2236131

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