Why are more and more drivers switching companies at an alarming rate?
LACK OF EMPLOYEE BENEFITS is one of the reasons why trucking companies lose around 1/4 of their workforce within a year.
According to Blue Ink Tech, the turnover rate within the trucking industry is around 90%. One reason is due to a lack of employee benefits. This leads drivers to seek employment elsewhere.
Handling paperwork when a truck driver quits, followed by screening and interviewing new candidates, can be a frustrating, costly, and time-consuming experience. Plus, training a new replacement can take weeks, reducing the productivity and profitability of a business.
The downside of “list billing.”
To help retain employees, sometimes trucking companies offer voluntary insurance benefits through a system called “list billing.”
This system may be convenient for employees and insurance companies, but it can be a nightmare for office administrators. This is because when changes to their benefits are made or problems occur, it is up to the administrator to help fix them.
It is an overwhelming system that can cost a trucking company time and money.
Administrators face a frustrating experience with list billing whenever:
• An employee quits
• An employee’s policy is canceled.
• Premiums are adjusted.
• New benefits or beneficiaries are added to an existing plan.
• The insurance company does not cooperate.
• The insurance agent makes mistakes and/or neglects your company.
• Mistakes need immediate correction.
• A claim is filed.
Setting up a list bill system may not always be the best choice.
Offering insurance benefits can certainly help with employee retention, but not all insurance companies have the best or the right coverage.
“POOR HEALTH” MAY DENY GOOD INSURANCE COVERAGE.
Most insurance companies use an aggressive, selective, and almost discriminatory approach to truck drivers who suffer from a health condition.
According to research, over half of the population in many parts of Texas doesn’t have health insurance. This opens the door to more health issues.
• Over 40% of the population suffers from Kidney disease.
• Over 50% of the population suffers from Diabetes.
• Over 75% have taken high blood pressure medication at some point.
• Over 80% of the population is considered to be obese.
Also, the physical demands help increase the chances of injuries, such as knee injuries, allowing insurance companies to deny coverage or charge a higher premium.
Lastly, those who suffered from Covid-19 can also be denied coverage.
“We say goodbye to them not knowing if it will be our last.”
Unfortunately, truck drivers also face immediate danger each time they are on the road. According to research, 5,370 people were killed in truck accidents in 2022.
If a truck driver passes away in another city or state, and the family wishes to return his remains home, there are two options: transporting the body by ground transportation or shipping the body by air.
Most funeral homes offer ground transportation at about $4.00 per mile. This does not include collecting the deceased from the place of death and preparing the body for shipping, casket fees, or other additional charges. Each state has different rules for funeral services, which can affect how a deceased person’s remains can be transported. Some states have legislation that requires a body to be embalmed to cross a state line. Making it more expensive.
If the distance is too far, then air transportation will be required.
A funeral home that offers shipping services (ground or air) will charge a family between $4,000 to $10,000. This does not include the cost of local funeral and cemetery services.
For truck drivers, staying safe on the road is always a top priority. They focus on what they do best –delivering goods safely and efficiently.
Our job is to take care of the rest, using our industry-leading protection services.
Why it makes sense to use our services
For over 20 years, we have helped countless clients find the right coverage for their needs. While other insurance companies deny or limit their coverage for clients who are overweight or suffer from series health conditions such as Cancer, Kidney Failure, Aids, and Diabetes, we make sure that those clients get coverage as well. Our plans don’t require medical exams and most people qualify. We believe that insurance coverage should be easy, accessible, and stress-free for every employee and their families.
We offer truck drivers the freedom to choose their plans and pay their premiums from their preferred bank account.
Not only does it give them the flexibility they need but also guarantees immediate coverage.
Why offer this type of insurance coverage?
Simple. We also come from a family of truck drivers, and we know what they go through to provide for their loved ones. They spend weeks, sometimes over a month, on the road. Each day, they take a risk, but they never complain. So, we want the best for them and their families. We are always on the lookout for the best coverage with affordable premiums.
We know that truck drivers are very important to you, and to them, their job and their families’ future is what matters most.
We’ll help them get home, no matter what happens.
We focus on helping truck drivers get medical attention while on the road, and financial support for their families in the event of death.
WE OFFER COVERAGE THAT MAKES SENSE
Accident Plan:
A truck driver may choose up to $250,000 in accidental death benefits. This type of insurance provides a benefit in the event of accidental death or dismemberment. Families can benefit from accidental life insurance by receiving financial assistance in case of a serious accident that results in disability or death.
Travel Protection Plan:
This plan provides coverage to truck drivers in the event of death while away from home. It will help a family bring their loved one home. This plan is paid monthly for only 1 year, and the coverage is guaranteed for their lifetime. The plan starts immediately, after the first payment, and is available during work or personal time. Families will save thousands of dollars in transportation services.
Life & Term Insurance:
Truck drivers can ensure that their loved ones are financially protected in the event of their unexpected passing, especially if they are the primary source of income for their families. A client can choose up to $250,000.
Pre-Need (Funeral) Insurance:
This insurance covers the expenses of a person’s funeral arrangements in advance. It lets them plan and pay for their funeral services ahead of time directly from a local funeral home, providing peace of mind for themselves and their loved ones. This plan is paid only for a limited time, but the coverage is for life. It also includes special discounts thanks to our network of funeral service providers.
Health Insurance:
Getting health insurance can be confusing and frustrating. There are so many options out there. That’s where we can help. We have relationships with multiple health insurance companies. This allows us to compare a wide range of health insurance plans to find the one that provides the right coverage at an affordable price.
Telemedicine:
Your family doctor while on the road.
This plan lets a truck driver speak to a doctor face-to-face from a mobile phone, anywhere in the country, 24 hours a day. NO CO-PAY!
The doctor may even prescribe medication if necessary. There is no need to wait for a consultation at a local doctor’s office.
Most video or audio calls can be scheduled within an hour. This plan is available for the entire family.
DRIVERS MAY CHOOSE THE RIGHT PLAN FOR THEM AND THEIR FAMILIES.
Step 1.
3 EASY steps to get the right coverage
We inform your drivers about our services through a brief presentation. (presentation may be in a group or individually).
Step 2.
Drivers can choose a plan on the spot, take the information with them and discuss it with their families, or authorize a family member to review the information and make decisions.
Step 3.
Once a decision is made, we immediately submit the necessary paperwork to the insurance company, and the monthly premium is drafted from the driver’s personal bank account immediately. Again, NO LIST BILLING REQUIRED.
Our process is fast and simple. Truck drivers, and their families, can get coverage right away!
