July 2004

Welcome to HCC Benefits’ online newsletter, the HCCBeacon. This bimonthly publication provides information not only on HCCB as a company, including company news and events, but also serves to highlight the stop loss industry and keep you updated on the ever-changing marketplace. In this issue…


Diversified Concepts, Inc. – An HCCB Featured Producer
Diversified Concepts, Inc. (DCI) is an employer benefits consultant firm based in New York, N.Y., with an additional office in Scottsdale, Ariz. Although a relatively young company (founded in February 1993), DCI has firmly established itself in the stop loss market due to complete client commitment and follow-through. From the initial contact with the employer to employees’ basic plan questions, DCI specializes in custom designing benefit programs for employers that put and keep them in control of their programs and related costs.

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Experience Rating Large Groups
When prospecting business in the market place, underwriting philosophies can change depending on the number of covered lives a group may present. The categories that separate these philosophies are small groups (50 to 150 lives), standard groups (150 to 1,000 lives) and large group (1,000 lives plus).

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Subrogation – Litigation Update, Knudson & After
On January 8th, 2002, the United States Supreme Court handed down the case of Great West v. Knudson, 122 S. Ct. 708 (2002). The case focused on the issue of what remedies are available to welfare benefit plans that are attempting to enforce the terms of the plan under ERISA. The Knudson case arose in the context of a plan trying to enforce a subrogation/reimbursement provision requiring a plan participant to repay to the plan monies that the plan expended for personal injury related care. 

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HCCB Announces Location for 2005 Producer Conference
Tremendous effort deserves impressive rewards. Set amid the magnificent backdrop of the Rocky Mountains and nearby Pike’s Peak, The Broadmoor in Colorado Springs marks the perfect resort setting for HCC Benefits to properly demonstrate our immense appreciation to those producers who qualify for the 2005 HCCB Producer Conference, held Sunday, May 15 – Wednesday, May 18, 2005.

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HCCB Employee Profile – Kamala Hanna - Senior Underwriter, HCCB Southwest Region
Kamala Hanna serves as Senior Underwriter in HCCB’s Dallas office. With more than 15 years in the stop loss industry, Kamala continues to contribute a wealth of knowledge to the Southwest region since joining HCCB in May 2000.

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