Risk-Related Analyses

It is the view of this Web Site that (a) risk management and actuarial practices are usually close partners and (b) more so with self-funding of health care benefits. Employers are ill-advised to be self-funders of this overlook the opportunity or obligation to be risk controllers/containers/managers. Being so dedicated to this concept the reader finds numerous expressions of how risk management principles and practices may be applied to self-funding. Examples include the following.

1. The critique Risk Management Guide to Self-Funded Health Care Plans sets forth a menu of practical risk-related ideas to be contemplated by the self-funder.

2. Other risk-related topics provided in this web site include the following:

· Demand Management

· Stop-loss Suggested Changes

· Retiree Benefits and Self-Funded Health Care Plans

· Other coverage topics (Coordination of Benefits, Subrogation and Medicare Secondary Payer)

· Expanded Role of MGU with Self-Funded Health Care Plans, MGO-Managed Self-Funded Plan.

· Self-Funded Long Term Disability Benefits.

3. Risk Management as applied to product or marketing issues:

a. MGU-Managed Self-Funded Plan

b. New Funding Paradigms

· Defined Contribution Plans

· Supplemental Coverages (Employee-Pay-All)

4. New risk candidates for self-funding:

· Long term disability

· Death benefits