Stop Loss Captive

Stop Loss Captives – Control Your Risk

Stop loss captives are an alternative risk management tool that takes some of the volatility out of an employer’s stop loss policy, available to financially stable employers who are self-funded or considering a move to self-funding with 50-1,500 employees. This empowers employers to offer more competitive benefits and better forecast expenses. But how does it work?

A portion of the stop loss premium is ceded to the captive, a shared additional layer over the employer’s stop loss level. After the captive pays all claims in the captive layer, any remaining profits are distributed to employers.

MMA has partnered with Tokio Marine HCC to offer CapAbilityPlus Cell, a unique stop loss captive opportunity available only to our clients. This partnership unlocks even more possibilities. Once we analyze your risk and claim profile, we can match you with the captive option that best fits your unique structure.

If your company top loss policy that works, contact MMA to schedule a complimentary review of your HR strategy. 


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