WEBINAR: VBA Product Training

www. written in search bar on virtual screen.Right now we are in uncertain times regarding the future of ACA. But that does not stop business; we all need to keep moving forward. Brokers and agents need products to sell and employers need to keep employees happy by providing the best benefits that meet their employees’ needs.

VBA has you covered with their wide range of products and services including:

  • ANSR Products
    • MEC
    • MEC + Limited Medical
    • Alternative MVP Plans
  • Limited Medical
  • Dental and Vision
  • Voluntary Worksite Benefits including:
    • Disability
    • Life
    • Accident
    • Critical Illness
    • Cancer
    • Hospital Indemnity
    • GAP Plans

DATE: Tuesday, March 21, 2017

TIME: 9:30 a.m. – 10:30 a.m. EST


*After registering, you will receive a confirmation email containing information about joining the webinar.

Cornerstone Meet N’ Greet: Gregg Amato

Gregg Amato

Gregg Amato, Director, Employee Benefits

Gregg Amato is Cornerstone’s newest addition to the Employee Benefits team with an extensive career in the health insurance industry. We sat down with Gregg to discuss his experience:

CS: Tell me about how you got started in insurance.

GA: Several years ago my cousin Joe encouraged me to get into the insurance business right after he became a Nationwide Insurance agent.  At first I resisted but soon found out that I really enjoyed the business.


CS: What is the best piece of advice that you can give to brokers?

GA: Hire people with good a work ethic that will treat your clients like family.


CS: Why do you enjoy working in the industry?

GA: I enjoy helping people navigate through the myriad of rules and regulations within the health insurance industry.


More About Gregg

Favorite hobby: Golf

Favorite movie: It’s A Wonderful Life

Best advice you’ve ever received: My father always told me to be true to yourself and always conduct business with honesty and integrity.

To contact Gregg, click here.

Top Employee Stressors That Take a Toll on Workers’ Health

cheering woman hiker open arms at mountain peak cliff

Benefits Pro reported on a study by Humana Inc. that outlines employee stressors and how those stressors affect workers’ health. The study outlines five trends that are “making a significant impact in the world of wellness”:

  1. An aging population
  2. Financial well-being
  3. Mindfulness
  4. Sleep
  5. The connected experience 2.0

To read more about the study, click here.

2017 Humana Wellness Trends Report

WEBINAR: Washington National Worksite Portfolio Training Call

Closeup shot of a woman typing on mobile phone isolated on white background.. Girl's hand holding a modern smartphone and pointing with finger. Blank screen to put it on your own webpage or message.

Washington National has the products and technology you need to complete successful worksite enrollments.

Did you know new worksite sales topped $7.13 billion in 2015? That’s up nearly 4% from 2014.

What’s more, 63% of employees see voluntary benefits as increasing the overall value of an employer’s offerings–and 62% of employees want their employer to offer more voluntary benefits.

That’s why Washington National is proud to offer you a robust portfolio of worksite products to sell.

Dial in to learn more about Washington National worksite portfolio so you can leverage the demand for worksite voluntary benefits and close more sales.

Get details on Washington National’s worksite portfolio products:

  • Active Care©
  • Accident Assure©
  • Solutions© Cancer Plus
  • Group Solutions
  • Worksite UL2© + living benefit rider

DATE: March 9, 2017

TIME: 11:00 am EST

(800) 672-8406

Download the presentation


GOP Releases Details Regarding ACA Replacement Plan

Yesterday, House Republicans unveiled a plan to replace the ACA with a system composed of tax credits that will encourage Americans to buy insurance on the open market. The bill, called the American Health Care Act, is designed to end the requirement for everyone to have coverage and eliminates the taxes that were used to fund the ACA.

House Ways and Means Committee Chairman Kevin Brady said in a statement: “Our legislation transfers power from Washington back to the states. We dismantle Obamacare’s damaging taxes and mandates so states can deliver quality affordable options.”



Aiming to Bridge Gaps Within the Party, GOP Releases Health Care Reform Details

House Republicans Unveil Plan to Replace Health Law

GOP Bill Would Repeal Obamacare Taxes and Penalties, Keep Some Subsidies

Cornerstone Presents Humana’s Chronic Special Needs Plan Training

Join Cornerstone for an exclusive presentation on Humana’s Chronic Special Needs Plans. Chronic “SNP” provides additional benefits for Medicare clients with specified illnesses.

The training will provide a deep look into:

  • Eligibility rules
  • Year-round selling opportunity
  • Benefits
  • Enhanced Rx coverage
  • Additional benefits with this Chronic SNP

DATE: Tuesday March 21, 2017

TIME: 9:00am – 11:30am

LOCATION: Cornerstone Broker Insurance Services Agency Media Center
2101 Florence Avenue, Cincinnati, OH 45206

IRS Extends QSEHRA Notice Deadlines

The IRS issued Notice 2017-20, which provided welcome relief for employers who have chosen to move forward in implementing qualified small employer health reimbursement arrangements (QSEHRAs). In general, QSEHRAs allow small employers that meet certain criteria to offer a health reimbursement arrangement, which can provide for reimbursement of individual premiums. While we’ve previously covered the available statutory details related to QSEHRAs, there are still a number of questions facing employers and brokers.

One of the requirements for employers choosing to offer a QSEHRA is that the employer must provide notice to eligible employees. The statute provided deadlines for notice distribution, but was scarce on the information required to be included in the notice. In Notice 2017-20 the IRS acknowledged the need for greater detail and indicated it was prepared to issue such guidance in the near future. In the meantime, the IRS extended the previous March 13th deadline to not less than 90 days following the issuance of applicable guidance.

Additionally, the IRS stated, “Employers that furnish the QSEHRA notice to their eligible employees before further guidance is issued may rely upon a reasonable good faith interpretation of the statute to determine the contents of the notice.”

Despite remaining questions, this notice from the IRS will likely provide some welcome reassurance for brokers and employers that have begun implementing QSEHRAs.

For more information, contact Cornerstone today.

How to Gain Control of Your Time

Laura Vanderkam, time management expert, discusses how successful people spend their time and how to ‘build the lives we want with the time we’ve got.’

How do you manage the time you have?

via TED, www.ted.com

Aetna Senior Supplemental March Mania Sales Incentive Program

**Aetna now has a new sales incentive program for spring. For details, click here.

Aetna’s March Mania Sales Incentive

*This incentive is a modification of ‘Winter Vortex’ for 3/1/17–3/31/17 period only.

Your Medicare Supplement applications could be the slam dunk to extra cash! And, there’s no limit on the amount of extra cash you can score.

Read on for more details about how to win…

Qualification Period: March 1, 2017–March 31, 2017

Qualifying Product: Medicare Supplement Insurance

From these Aetna Companies: Aetna Health and Life Insurance Company (AHLIC), American Continental Insurance Company (ACI), Continental Life Insurance Company of Brentwood, Tennessee (CLI).

For These States:  AZ, GA, ID, IL, KS, KY, MI, MS, NC, NJ, OH, PA, TX

Extra Cash Details: Submit qualifying applications of ACI, AHLIC, and CLI Medicare Supplement and receive a bonus payout of $200 per underwritten policy, and $50 per open enrollment policy issued. The more applications submitted and policies issued, the bigger the payout. There’s no limit to the amount of extra cash you can earn!

To receive a payout, you only need a minimum of 5 policies issued in March. Bonus is limited to one active policy per insured . Remember, for states with the household premium discount, if two policies are issued, it counts as two policies towards the sales incentive.

More Details: Application date on qualifying production must be between March 1 and March 31, 2017. Qualifying production is based on all new, issued annualized premium and each qualified policy must be issued on or before 30 days after the last day of the qualifying month. Qualifying production is limited to one policy per insured. Guaranteed issue, Internal replacements* or exchanges do not count toward qualification. Qualifiers must maintain an 80% persistency on qualifying business. The cash payouts will be issued by check 45 days after the end of the qualifying quarter. All federal, state, and
local taxes associated with the receipt of cash are the sole responsibility of the recipient. ACI, AHLIC, and CLI have the exclusive right to change the program rules during the qualification period and is subject to all state compensation restrictions based on the issue state of the policy. Participation is based
on meeting the required production levels; and the qualifier must be in compliance with all company and state marketing rules and regulations and be in good standing with Aetna and its legal entities at the time payment is made. Agents must be properly appointed and approved to sell ACI, AHLIC, or CLI Medicare Supplement in the specific states listed on this flyer in order to submit business.
*Internal replacement is defined as a replacement of a product from one Aetna underwriting company to another.

Questions? Contact your Senior Marketing sales representative for more information.

Aetna Medicare Supplements Now Offered in Texas!

Aetna’s AHLIC Medicare Supplement plans now offered in Texas!

Aetna is introducing AHLIC Medicare Supplement plans to Texas. Not only do the new plans offer competitive rates, but your clients residing in the same household can also apply for a Texas-sized 12% household discount.

Other great selling features:

  • One-year rate guarantee
  • Lifetime commission
  • Bonus program – click here for more information

For more information, email seniormarketing@crnstone.com or contact your Senior Marketing Sales Representative.

*Look out for a series of upcoming webinars on Aetna Medicare Supplement Plans presented by Cornerstone. More information coming soon!