Case Study: “Health Care Savings Network”

Business of Focus
Textile Processing Plant located in Revere, MA

• Voluntary Long-Term Disability (LTD) Insurance Plan Enrollment = 104 employees

• Group Term Life Insurance Plan =127 employees

• Both insurance policies were with the same insurance carrier

• Employee pays for 100% of their LTD plan, and Employer pays 100%  for the employee’s Term Life Insurance Plan

1997 - Health Plan Problem (before London)
In 1997, the Processing Plant was experiencing two employee benefit problems: 1) expensive Term Life and LTD insurance plans, and 2) high number of employee claims denied. The client wanted a cure for these problems without increasing the workload for their human resource department.

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