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When you need advice on Employee Benefits (Group
life, Group Universal Life, Group & Individual Health
(Local and Worldwide)
, Personal Accident and Group Pension), you need
professionals; people who have the experience to guide you and
your employees through a complex maze of balancing cost with
benefits, service with availability and all fitting into a plan
that improves productivity, attracts the right – long term –
employees and enhances your recognition as the
employer of choice.
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Loretta Anderson, Employee Benefits
Manager, a Chartered Life Underwriter, with over 14 years in
the Employee Benefits Insurance Industry and more than
thirty-one years of experience in sales & marketing,
customer service and executive leadership. Her clients
include Management Services Limited – KPMG, ALCOA Minerals
of Jamaica Limited, Pepsi-Cola (JA.) Company Limited,
Jamaica Agent Services - the local group of West
Corporation, and one of the largest companies in the area of
Information Technology here in Jamaica. Currently she is a
member of the Jamaica Chamber of Commerce MSME Committee. |
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Loretta Anderson |
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loretta.anderson@billycraig.net |
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Employee Benefits
Manager |
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Latina
Faulkner, Marketing Officer, has proven to be an excellent
administrator who is developing into an excellent marketer.
Her clients include ALCOA Minerals of Jamaica Limited,
Pfizer, UWI Development and Endowment, Swiss Stores and
Trafalgar Travel. |
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Latina Faulkner |
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latina.faulkner@billycraig.net |
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Marketing Officer |
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Sheree McIntosh, Risk Manager, has several
years experience in the insurance industry and includes in
her portfolio Round Hill, West Indies Call Centre, Noranda
Bauxite Limited, Rose Hall Developments, and Palmyra. |
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Sheree McIntosh |
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sheree.mcintosh@billycraig.net |
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Risk Manager |
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Evelyn Hudson, Employee Benefits Officer,
must ensure that all request for changes by our clients are
promptly and accurately acted on. She is also responsible
for the tracking of correspondence, particularly claims,
Group Life Certificates and Health Cards to ensure a
seamless service provision. Ms Hudson has a wealth of
knowledge and experience in Employee Benefits, being in the
industry over 16 years. Her clients include, Guardsman Group
of Companies, Xsomo International, LS Duhaney, Jamaica Agent
Services, one of the largest companies in the area of
Information Technology here in Jamaica and Tropical Battery. |
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Evelyn Hudson |
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evelyn.hudson@billycraig.net |
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Employee Benefits Officer |
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Yanique Rose-Samuels, Admin Assistant is
Responsible for the tracking of correspondence, particularly
claims, Group Life Certificates and Health Cards to ensure a
seamless service provision. Mrs. Samuels has a wealth of
knowledge and experience in Employee Benefits and Customer
Service, being in the industry over 17 years. Her clients
include, Palmyra Resorts, Rose Hall Development Ltd , MBJ
Airports Ltd and Round Hill Hotel . |
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Yanique Rose-Samuels |
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yanique.rose-samuels@billycraig.net |
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Admin Assistant |
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Nicholas James Wood, a Fellow of the Life
Management Institute (FLMI), has been advising employers in
Jamaica with regard to their Employee Benefit Programmes since
1974 and prior to that in the United Kingdom. Over the years, his advice has been sought by
organisations such as the ICD Group, ALCOA, Seprod, JPS, Cable
and Wireless, the Sugar Industry, Palace Amusements and
E-Services Group, International. |
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Nicholas Wood |
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nickwood@cwjamaica.com |
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Employee Benefits Consultant |
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In making recommendations to any organization,
we consider it critical to identify current economic restraints,
market place conventions, if any, and availability of suppliers.
Furthermore, we seek to identify future trends that may affect the
cost or the acceptability of the benefits.
This means that the your organization should be
looking at this exercise as a way of an overall review of your
Health Program, or if you currently don't have a plan a look at
the options, not just an opportunity to look at quotations which
show, what and how much. The most important aspect is to study how
costs can be controlled, use and abuse reduced and the critical
effect of education and effective communication. With our
specialist knowledge in this area, we hope to be given the
opportunity to guide your organization in its future deliberations
and in the implementation of the recommended programs.
We have used the following criteria to assess
the information provided by the underwriters and arrive at the
best cost controlled program:
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Financial Stability of the Insurance Company.
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All round client satisfaction especially in the
area of claims handling.
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Cost and cost controls.
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Ability to offer providers in all the areas
where your organization has employees.
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Ability to provide monthly statistics and
analyze claim trends. The use of a professionally qualified Broker
or Consultant on a program of this size, is essential.
There are many options that you need to
consider and the job of THE TEAM is to guide you through the
intricacies of the insurance market.
MORE SUPPORT FROM OUR TEAM
Further, should you be looking at Group Health
cover, the selection of an underwriter and Broker/Consultant
should also be done in the context of a HEALTH MANAGEMENT
PROGRAM. Modern management has recognized the link between
health education, increased productivity and health scheme cost
reductions. There are a number of special program that are
available and can be tailored for you and should be integrated
with the Health plan. The selected Underwriter/Broker/Consultant
must have experience in these program and be prepared to help your
organization select the best. We see the moving of a scheme of
this size from one underwriter to another as a last resort step.
We believe in professional negotiation to ensure that the
underwriter, the broker and the client are all in agreement and
that the client's needs are anticipated and provide for by
proactive broker executives.
Additionally, timely effective information
transfer is critical. We design a specific brochures for
distribution among covered members. This creates greater
understanding and leads to a reduction in misuse. We also track
all correspondence that enters and leaves this office to ensure
that the same are promptly dealt with by the insurers.
For all our clients we also provide a HEALTH
CHRONICLE and a HEALTH FLASH (see below). These are
designed to be placed on your notice board and gives your
employees valuable information with regard to their health and
fitness.
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