Travel Insurance Now Required to visit Schengen Countries
Schengen Nations: a group of European countries that allow easy passage between their borders. In order to enter a Schengen Nation as a traveler, you are required to purchase insurance or you will not be allowed to enter the country.The following countries are a part of the Schengen Area:
Travel Medical Insurance is required: In an effort to protect themselves from the financial burden made by medical bills left unpaid by tourists, more and more countries are now requiring visitors to show proof of travel insurance before being allowed to enter. This ensures that in the case of an emergency, the traveler is able to cover any medical expenses should they require treatment.
These destinations also require travel medical insurance for entry:
Antarctica, Cuba, Ecuador, Thailand, Qatar, Russia, Turkey, and United Arab Emirates. The lists above are accurate as of June 2019. For the most up to date information on which countries require travel insurance as well as the details of the requirement, please visit the State Department’s website.
Source: Adele DiRende, Marketing Intern at Arch RoamRight. From Arch Travel Blog Published on Tuesday, June 18, 2019 https://www.roamright.com/travel-insurance-blog/what-is-schengen-travel-insurance-and-do-i-need-it/
International Workforce Well-Being Survey
Did you know? 82% of expats go to the doctor in the first 6 months of moving abroad. This highlights the importance of having the right level of medical insurance in place, getting pre-trip planning advice and even having access to virtual health care in helping those relocating abroad to keep healthy and well in their new home. Simply having access to the right healthcare has a positive effect on the well-being of a third (32%) of global workers. Explore the other key findings from Aetna’s 2019 expat well-being survey to support your international workforce here:
Article Taken From: “Ragans PR Daily By Robby Brumberg: https://www.prdaily.com/report-u-s-workers-hate-open-office-spaces/ May 22, 2018
Would you change jobs to find a less annoying workspace?
According to survey data collected by Bospar PR, it would appear many of us would—especially those toiling in an “open” office setting.
The survey, which garnered responses from a diverse cross-section of 1,000 U.S. workers, found that 76 percent of Americans “hate open offices.” The top reasons cited included:
What is it workers want, then? Eighty-four percent of Bospar’s respondents said working from home would be ideal. Nearly 60 percent cited “not having to commute” as a top reason for wanting to work remotely, and 41 percent indicated that they’d be more productive working from home. Thirty-five percent said that remote work would enable them to produce more “thoughtful” output.
Workplace environment appears to be a hill that many employees are willing to die on—or at least take a pay cut over. According to the survey, “Eighteen percent would pursue a new job to have a workspace they like better, and 9 percent would petition to work part-time in an environment they do like.”
Amid the clamor for more collaboration, connectivity, corporate camaraderie and increased participation, companies are inevitably alienating some workers. Most, it would seem, would prefer to work in a quiet, non-distracting atmosphere. That might be the most universally desired and appreciated work perk of all.
Resume Writing Tips
There are as many ways to write a resume as there are people to write them. Some of the most important considerations of resume writing include: making sure it is readable, that the type size and format is easy on the eyes. I like the use of bullets rather than sentences in paragraph form.I favor a resume that displays work history in reverse chronological order. The people in charge of hiring and staffing, are most concerned with your most recent work history. A reverse chronological resume lays it out there. A resume that highlights skills and accomplishments, then lists previous positions in another section, makes it difficult if not impossible to determine when, and at what job, a person acquired the skills or accomplished a particular task. If applicable job duties are dated, associated with a position held, say, ten years before, it is probably less desirable experience than a person who is currently performing the required duties.Resumes that have been watered down with corporate-speak, and glittering generalities, with all specific job duties, and reference to products removed, are confusing, and hard to understand just what a person did and with what/whom. These resumes are often written by professional resume writers who try to make a resume generic, so the person's background will appear to be a fit for as many jobs in as many different industries as possible. This type of resume may work to someone's advantage if they are trying to change industries. They often generate more questions than usable information about a candidates work history.I have encountered grammatical errors, typos, incomplete sentences, duplicate sentences /words, when reading professional, management and C- level executive resumes. When typing a resume in Word format, be sure the spell check is turned on. When revising an existing resume, make sure you have deleted what you needed to, and added what you intended to add. I believe that I see most of these types of errors in revised versions of previously written resumes, or resumes revised for a particular position.When revising existing resumes, make sure you use the same font and bold face type, and italics, in headings, job titles, employer names, etc. I see many resumes form management level candidates and above with mismatched type size. If you are not proficient in Word, ask someone who is, to retype your resume.Use past tense grammar for past jobs.List not only responsibilities but what a person has accomplished during her/his time performing in the position. Listing only Responsibilities on your resume gives the impression that you are a processor, tend toward tunnel vision, narrow scope, and my job only thinker. Listing your accomplishments conveys a big picture thinker-strategic person, leader, ready to accomplish even more in the next position, etc. It gives you a value added advantage over another candidate.
These days, most companies perform a background check as apart of the hiring process. Here is what a background check may include:CREDIT REPORTS: Some companies check credit, others do not. If they do, your credit report will probably pass if:
The highest level of Education listed on your resume will be verified, and all other formal education may be verified.Your employment will be verified and employment dates on your resume should be accurate and any salary listed on the application should be accurate.All licenses and professional certifications may be investigated.Criminal history, based upon where you have lived will probably be investigated (state, county, federal). Any criminal violations must be listed on the employment application.
Drug Testing:Companies drug test potential new hires 80% of the time.
According to a new research report published by Finaccord, the total number of expatriates worldwide amounted to around 66.2 million in 2017. This figure has grown at a compound annual rate of 5.8% since 2013, given that there were around 52.8 million expatriates in that year. By 2021, Finaccord forecasts that the number will reach around 87.5 million.
· The global expatriate population has reached 66.2 million and is on track to rise to 87.5 million by 2021;
· the highest numbers of expatriates reside in Saudi Arabia, the UAE and Germany;
· individual workers account for over 70% of expatriates worldwide and students for 8.5% of them.
Source: IPMI Magazine. Read the full article here: https://ipmimagazine.com/medical-health-insurance/en/news/insurance/item/5315-87-5-million-expatriates-by-2021
California recently passed legislation that prohibits employers or an agent of an employer from asking about an applicant's previous salary. If the applicant voluntarily provides this information without being asked, the employer can use it in determining salary for the applicant.
Delaware, Massachusetts and Oregon have passed similar laws which will take effect within the next 12 months. New York (effective 10/31/17) and San Francisco effective July 1, 2018) have passed similar laws. April, 2018 Update: California, Oregon, Delaware, Massachusetts, New York City, Philadelphia and Puerto Rico outlawed employers from inquiring about a candidate’s salary history. New Orleans and Pittsburgh put in place similar bans for hiring city workers. Michigan and Wisconsin have also prohibited the salary history question bans. Vermont passed salary question ban effective July 2018 and Connecticut, effective 1/1/19.
“There is no bigger threat to our democracy than wealth disparity. It is a story normally reserved for monarchies, dictatorships, and plutocracies, and yet we got in this pickle because over the last 40 years the corporate focus on profits took on manic proportions relative to other stakeholders such as employees, communities, and the planet….”
Source: Paul Tudor Jones, Tudor Investment Corporation Head, and Robin Hood Foundation Founder. Quote published in Editorial Comment by Randy Lane, Editor, page 12, Forbes Magazine 12/26/17
In an active job search? Don’t Overlook Anything About Your Online Presence.
Always be aware of and review your Online presence. Your online resume offers another read on how “buttoned up” you are outside of your professional world. Be sure to make a positive and professional impression across all social media platforms that you are using. Inconsistencies between your resume, your online resume, LinkedIn profile may reveal lack of detail orientation, or expose stated variations in duties/titles/etc. at the same job. Unprofessional photos can also raise questions or suggest that you are not aware of how you present yourself in a career environment. Be sure that your resume, online profile, and online communication are free of typos, grammatical errors, or poor (hard to read) formatting. According to LinkedIn, 58% of all resumes have a typo of some form.
Source: LinkedIn Talent Solutions, January 2018
Group Medical Stop Loss Sales Opportunity Boston, Ma.
We are seeking a medical stop loss professional to market products throughout the Northeast brokerage community. Candidates must have solid technical knowledge of stop loss/self-funded coverage and the ability to travel as needed on sales appointments within the territory. Candidates can come from an underwriting, sales, or inside sales background as long as they have 3+ years of stop loss experience. First year target compensation is $125k+, which can be easily exceeded. Long term potential $225k+. North Boston location. Remote candidates within the Northeast territory will be considered with 10+ years of Medical Stop Loss sales experience and David Young system knowledge.
Interested in learning more? Call Jeremy 802-253-6304 December2019
Benefits Account Manager – Brooklyn, NY
Manage, retain and grow an existing block of mid-size and large group employee benefits business. Develop and implement retention strategies to maximize account management effectiveness. Communicate, lead and influence others to achieve desired goals and objectives of annual sales plan. Job Requirements: Benefit analysis / plan design comparisons. Existing business retention calls & renewal presentations. Responsible for training, coaching and guiding others. Timely and thorough market analysis, comparisons and communication. Development and implementation of account management tools/techniques. Travel and entertainment in the tri-state market. Requirements: Proficient with health risk analysis,& product positioning. Proficient in Excel, Word & PowerPoint Excellent knowledge of the health insurance and ancillary market. College education with a dynamic spirit. 3+ years experience in the health insurance industry. Proven account management track record. Ability to work collaboratively across a larger organization. Salary $60k - $90k. Jeremy: email@example.com December 2019
Group Medical Account Manager-Chicago
A growing Chicago based multi-national international medical and assistance insurer is adding to their account management staff. This position is responsible for developing strong relationships with existing client base, inclusive of connecting with key business executives for the purpose of strategic account growth. Individual will work with cross-functional peers to ensure services rendered are in accordance to client specifications and contractual commitments. Specific duties include:
Coordinating with sales lead and internal support terms to implement assistance and TPA services. Act as liaison between all internal operational teams and external client. Grow and expand account financials via upsell and cross sell opportunities. Coordinate quarterly and annual meetings with client. Monitor financial results to ensure that financial targets and met and explain deviations. Base salary will be $90-100K plus annual bonus opportunity. Candidates will have at least 4 years of account management experience with either corporate sponsored travel assistance or with group medical products (insurer or TPA). College Degree preferred. Contact: Jim Peterman. December, 2019
Group Health Underwriter – Los Angeles, CA
The Group Insurance Underwriter will work independently with various business units, including sales, marketing and client services. The Underwriter will prepare proposals based upon properly analyzed rates and oversee proposals generated by the Underwriting team. Prepares complex and customized quotes for new and renewing group insurance plans in accordance with designated authority levels.
Essential Responsibilities & Functions include:
• Using assigned rate models, prepares proposal requests for large sized medical, life, and disability risks
• Focuses on complicated RFP’s
• Subject matter expert in an area of specialty: region of the world, a block of business, or a product.
• Working in collaboration with Sales, Actuarial and Management, determines whether to accept or decline risks in accordance with company guidelines
• Manage an assigned portfolio of risk and achieve profitability targets for the business as measured by loss ratio
• Works closely with sales reps to gather necessary information for quotes to generate product-specific proposals across all regions
• Records and maintains all prospects in CRM on a daily basis
• Drafts policies and final documents for sold cases
• Responds to questions from sales reps and brokers about quotes and benefits
• Works with the Enrollment Department to setup group and issue sold policies in a timely manner, including conducting peer reviews
• Assists Director of Underwriting on overseeing workloads and managing turnaround times within the department
• Updates manuals and materials related to insurance products
• Under the direction of the Director of Underwriting, gains experience in specialized areas and gains knowledge with regard to fronting relationships and seeks guidance and approval when evaluating RFP’s
• Provides oversight and training to the Underwriting Coordinators and Underwriting Analysts
Candidates should have 8+ years of experience in group health underwriting, with international underwriting considered as a plus. Starting salary will be in the $95- 125K range, plus bonus. Jeremy. December 2019
Compliance Associate- New York City
A growing L&H department of a large, multi-line insurer has a need for an addition to their compliance staff. Working with the General Counsel and Compliance Manager, the position will perform diverse compliance functions. Responsibilities include the set-up and maintenance of a significant volume of authorizations required for the company to conduct business in the US. Utilizing excellent communication and organization skills, the candidate will prepare and file quarterly and annual reporting prepared by accounting or actuarial (assessments, statutory financial statements, premium tax returns). Perform legal research and special project work regarding corporate compliance matters, as required. This position is involved with maintaining corporate certificates of authority, etc. and will not draft policy forms. Starting salary will be in the $85-110K+ range depending upon experience. QUALIFICATIONS: Minimum of an Associate Degree. Bachelor's or J.D. degree preferred. Minimum of 3 years of relevant compliance experience; prior experience in an A&H insurance company preferred. P&C experience is also a match. Knowledge of basic legal processes, legal terminology, legal forms and legal research techniques. Strong PC skills, especially with respect to MS Word, Excel and Outlook. Call Jim Today. 802-253-6304. December 2019