Value-based design:
Growth in Fiduciary Responsibility: In addition to ERISA, new federal laws broaden business owners' fiduciary liabilities to employees regarding healthcare, prescription selection, and cost management.
Many Problems: Healthcare is too expensive, complicated, stressful and it is not transparent.
Intermediaries increase cost and complexity, Carriers have too much power.
10 Solutions When Combined Fundamentally Re-Engineer Healthcare
1 page PDF summarizes how we offer Businesses unique value
The healthcare plan reduces healthcare costs by up to 20% and eliminates deductibles and copays for elective surgery and primary care (doctor visits), saving money for employees. This will make it easier to retain and recruit employees. It will also improve morale and productivity, which is especially valuable in today's tight labor market.
Our upcoming 5th book explains that as both AI in general and AI robots start to replace employees (assuming they are not currently unionized), it will have a huge impact on your business. Inevitably, the appeal of unions will increase as job security becomes more important. How business owners engage with employees concerning the use of AI and AI robots is a proactive opportunity if handled properly. If handled improperly, many employees will want to unionize. We discuss options and make recommendations that are a win/win.
1) 16-page US Govt DOL PDF highlighting fiduciary liability for employee healthcare and medication expenses.
2) a 74-page Class Action lawsuit PDF was highlighted, revealing Johnson & Johnson paid 498% more for medications (pages 443-445).
3 & 4) Our next two books (books #4 and #5) will add to the 3 books already published, totaling 800 pages. Both new books discuss how AI will transform business and unions, as well as why and how this healthcare plan enables either Unions or businsses to benefit immensely from the significant changes AI will bring to the workplace.
This highlighted 16-page official US govt publication can be downloaded by clicking on the button below. This PDF educates Employers on matters they need to understand concerning some basic rules, specifically the Employee Retirement Income Security Act (ERISA), to meet their responsibilities as plan sponsors. ERISA sets standards of con
This highlighted 16-page official US govt publication can be downloaded by clicking on the button below. This PDF educates Employers on matters they need to understand concerning some basic rules, specifically the Employee Retirement Income Security Act (ERISA), to meet their responsibilities as plan sponsors. ERISA sets standards of conduct for those who manage employee benefit plans and their assets, called fiduciaries.
The duty to act prudently is one of a fiduciary’s central responsibilities under ERISA. It requires expertise in a variety of areas. A fiduciary who lacks that expertise will want to hire someone with the professional knowledge to carry out those functions. Prudence focuses on the process for making fiduciary decisions, so a fiduciary should document decisions and the basis for those decisions. For instance, when hiring a plan service provider, a fiduciary may want to survey a number of potential providers, asking for the same information and providing the same requirements. By doing so, a fiduciary can document the process and make a meaningful comparison and selection.
74-page highlighted class action lawsuit. Ask yourself the following question... If a 130,000-employee company lacks the healthcare spending reports, KPI, and the ability to police value for employees as a fiduciary - -what makes you think your business would be any better off than J&J (Johnson & Johnson)?
In other words, what is prevent
74-page highlighted class action lawsuit. Ask yourself the following question... If a 130,000-employee company lacks the healthcare spending reports, KPI, and the ability to police value for employees as a fiduciary - -what makes you think your business would be any better off than J&J (Johnson & Johnson)?
In other words, what is preventing you from also being sued under the 2024 federal transparency law? Yes... nothing.
Our solution dramatically lowers your fiduciary exposure because PRIOR to choosing an elective surgery provider we run proprietary database software that lets us know what the prices were for vaarioua providers and the patient outcomes in advance. Imagine the concept of shopping and comparing BEFORE going for surgery or buying a med.
You will see that J&J was paying 498% MORE for meds than the pharmacy cost. Maybe you are as well - the truth is you have no way of knowing right now and with our healthcare solution for the first time you will.
It took one single employee to get this lawsuit underway.
Why your Membership Will Increase & Why Union Officers Will Win Reelection
Plan cost savings are passed on to union and/or union membership, based on your union's bylaws.
Example: If 30,000 members and $2,000 in healthcare savings per member.
Total healthcare savings = $60 million per year or $5 million per month in ongoing savings.
Since
Why your Membership Will Increase & Why Union Officers Will Win Reelection
Plan cost savings are passed on to union and/or union membership, based on your union's bylaws.
Example: If 30,000 members and $2,000 in healthcare savings per member.
Total healthcare savings = $60 million per year or $5 million per month in ongoing savings.
Since the ongoing healthcare savings are greater than the total revenue from union membership dues. If union officers can offer this healthcare solution, they should be reelected.
In our upcoming 4th book (3 are already published on Apple books totaling 800 pages), we will explain the unprecedented potential for unions in workplaces as AI robots are introduced to replace human workers. This issue will receive intense media coverage. If this occurs before the 2024 federal election, it could become a major election issue.
"AI will create an era of abundance," says Elon Musk. GDP is the total of all goods and services, and labor is a large part of GDP. Given the shortage of employees, demographics, and immigration dysfunction in DC, AI robots could be a blessing for all. A new type of AI profit-sharing plan is proposed so both employees and owners can share in the increased profits which AI (robot) generates.
We expect two types of business owners: those who will read our upcoming 5th book and adopt AI robot profit sharing, and those who prioritize their short-term profits. Employees in the second group are likely to consider joining a union, especially if there is no membership cost due to healthcare savings. This change could result in a rapid rise in union membership, particularly among employees who are at risk of losing their jobs to AI automation.
If your union offers a combination of job security, shared healthcare cost savings, your membership will greatly expand, and union organizers will be elated.
Howard Francis, CEO has published 3 books totalling 800 pages on Apple Books which can be downloaded for free by clicking on the book covers below.
Our upcoming fifth book… explains how the tidal wave of AI and AI Robot profits in affected businesses must work for both employers and employees. Otherwise there will be extreme political division and America will lose its promise.
Elon Musk stated AI will create an era of abundance and there is a 10X increase in the capability of AI ev
Our upcoming fifth book… explains how the tidal wave of AI and AI Robot profits in affected businesses must work for both employers and employees. Otherwise there will be extreme political division and America will lose its promise.
Elon Musk stated AI will create an era of abundance and there is a 10X increase in the capability of AI every 6 months. So in 18 months thats 1,000 X or 100,000%. Combined with the onshoring to the USA fleeing from China our future is bright.
AI will create an era of abundance. Since GDP is the total of all goods and services and labor is a large part of that. Given the shortage of employees, demographics and immigration dysfunction in DC. A new type of AI profit-sharing plan is proposed so both employees and owners share in the increased profits AI generates.
Harnessing this windfall for the greater good could create a golden age for humanity and an evolution in the workplace. Human kind has brilliant promising future ... this is too important to screw up. Your children are too important and will never forgive us if we do.
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