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Risk management is an integral part of every aspect of insurance. In Group insurance this means proactively addressing as many as possible of the potential liabilities that can occur when administering a benefits program. Almost every aspect of your program can be an area of concern if not handled properly. Some areas where potential liabilities may occur include:

Positive enrollments
Disability coverage
Notification periods
Termination/severance agreements
Benefit extensions
Interaction with government benefits
Employee waivers

Performing a liability audit is another example of the importance of having a broker that is knowledgeable of the issues, and more importantly, elevates your administrator’s understanding of these potential pitfalls before they become problems. Reducing your company’s liabilities will ultimately save your company money.