Designing competitive benefits plans is getting harder. Costs are rising, employee needs are evolving, and many employers assume their coverage is stronger than it actually is. Meanwhile, gaps in protection—especially for high earners and employees with complex health needs—can create real financial risk at claim time.
Brokers have an opportunity to change that story. By using real market benchmarks and strategic plan design adjustments, you can give clients a clearer understanding of where their coverage stands—and how to strengthen it without stretching their budgets.
This quick, data-backed one-pager gives you a fast but powerful overview of today’s most important plan design benchmarks across life, disability, dental, and vision. You’ll also get three high-impact strategies you can use immediately to help employers build more equitable and competitive benefits plans—without reading a full report.
Most Critical Illness plans offer a $12,500 maximum benefit, yet the real cost of a heart attack, stroke, or cancer diagnosis often reaches $60,000 or more—leaving employees dramatically under-insured without realizing it.