Frank Schmid new chairman of AIG Global Benefits Network
Frank A. Schmid is the new Head of AIG’s Group Benefits business and of the Disability Product Center of Excellence, GBV learned in December 2015. Frank holds a PhD in economics and a post-doc in finance from the University of Lüneburg, Germany. Dr. Schmid published numerous scholarly papers in finance and economics and was affiliated with the University of Pennsylvania, the University of Vienna, Free University of Berlin, CERGE-EI
		
	The impact on life-insurance activities of Zurich Group’s restructuring likely to remain small
In a  major restructuring effort, financially challenged Zurich Group in December 2015 said it will eliminate or move as many as 1,800 jobs, and announced the resignation of CEO Martin Senn. Tom de Swaan, the Chairman of the Board of Directors since 2013, has been appointed CEO ad interim. Zurich cited the August explosions at the port in Tianjin, China, and a poorly performing U.S. auto book of business
		
	The HR and CSR Partnership: Talent-related Benefits for Employee Volunteerism
Human resources has successfully partnered with various functional areas for many years. Finance and HR partner to manage costs and optimize the value of compensation packages and other employee rewards. Operations and HR partner on devising solutions for work design, scheduling, and staffing. Marketing and HR partner to convert the firm’s brand into organizational culture and an employer brand.
		
	Interview Guy Abbiss
Navigating the ever-changing global HR, Law & Tax, and Communications maze: An interview with Guy Abbiss, Managing Partner of Abbiss Cadres LLP and one of the founders of the CELIA Alliance of professional service firms
		
	Postpaid Health Insurance Plans Enable Quality Service, Prevention, and Management
Depending on health insurance plans is a common reality in Brazil. According to figures released by the Brazilian Geography and Statistics Institute (IBGE) in June, 27.9% of the population had some type of health insurance plan in 2013, and more than one-third of the monthly payments were made by the policyholder’s employer.
If we consider that this data is from 2013, we can assume that the total amount of private health insurance purchased by companies for their employees is even higher today.
		
	IGP Conference Report
The 2015 IGP Conference held in Boston, MA, IGP’s hometown, included three presentations that provided unique perspectives on otherwise well-known topics.
GBV reports on the impact of a changing workforce and on adherence to a global benefits structure in this issue and will cover progressing from a wellness program to an integrated wellbeing approach in the March 2016 Special Issue about Wellness.
		
	Sleep and Health – The Forgotten Link
The MAXIS Conference devoted to sleep, “Sleep, a Business Case for Bedtime: The hidden Global Health Issue Impacting Employee Performance,” took place in November 2015 in Amsterdam, with the support of Zilveren Kruis, the health insurance division of Achmea.
		
	News from Belgium – An Update on Pensions and Blue Collar vs White Collar
Demographic factors and the current socio-economic context present major challenges to the statutory (i.e., state) pensions system. Lowering the statutory pension age is not an option, nor is increasing contributions. These two factors together inevitably lead to a tightening of the conditions for access to statutory pensions and to early retirement, as recent government measures in this area confirm.
		
	Defined Benefit Plans in Public Universities in Mexico
While Mexico’s principal mandatory pension system began as a Defined Benefit (DB) program in 1973, in 1997 it was changed to a Defined Contribution (DC) plan, with individual accounts managed by financial institutions such as banks and insurance companies. This DC system is still open to new members, while the DB pension one is closed.
		
	
			
				The Promise of More To Come: 
U.S. Benefits Captives on the Verge of a Breakthrough 
by Peter Bandarenko			
		
		
		
		Captive insurance has been an increasingly popular alternative risk transfer mechanism for U.S. companies for decades. But what may come as a surprise is that one of the great growth opportunities isn’t a new property or casualty exposure. It’s employee benefits. Some seemingly minor changes in the U.S. regulatory landscape may go a long way in explaining the renewed interest in employee benefits captives – but read on: Peter
		
	Health-insurance broker Zenefits runs into turbulence
Human-resources startup Zenefits may be falling short of its revenue targets and has apparently started to curb expenses, as it struggles to meet investor expectations. Zenefits had announced a target of USD 100m in annualized revenues to be reached by January 2016 but may fall short as August 2015 actuals are understood to be slightly under USD 45m, still a large increase compared to USD 20m in January 2015.
		
	Price-to-sales and price-to-earnings ratios of five listed U.S. brokers, November 2015
According to traditional financial theory, a firm’s value is a function of its existing net worth and of its future profits. The way in which stock markets value large, traditional, listed brokers appears to be consistent with this. The table below includes some of the largest brokerages / consulting firms in the world and was compiled on November 23, 2015. As of late November 2015, the five firms exhibit
		
	
			
				MAXIS GBN moves to London, 
hires new CEO from Generali, 
and becomes a 50/50 AXA-MetLife joint-venture			
		
		
		
		Signaling an increased commitment to the global employee benefits industry, global insurance powerhouses MetLife and AXA in late October 2015 announced they will combine their existing MAXIS Global Benefits Network (MAXIS GBN) operations in a new co-owned joint venture company based in London. Mauro Dugulin, formerly CEO of Generali Employee Benefits Network (GEB), will serve as CEO. MAXIS has been headquartered in Paris and New York since its inception
		
	Paris Terrorist Incidents, November 13, 2015
The 1,500-participant, sold-out event in the Bataclan concert hall was sponsored by music production firm Universal Music Group, a division of Vivendi Universal, who had invited a large number of guests, mainly managers and executives from the advertising, media, music, and broadcasting industries. As soon as Saturday, November 14, most large French brokers and TPAs had set up rapid-response teams and call centers, providing psychological and other support to
		
	Paris Terrorist Incidents November 13, 2015 – GBV Team Members
In response to questions asked by several GBV subscribers and readers, our three team members who are based in Paris were not harmed in any of the November 13 terrorist attacks in Paris and its outskirts. While some had family members at the Stade de France soccer stadium, luckily none were injured in the bombings there. Sadly, Marc Signorel, CEO of our web agency OuterRim, lost two close friends,
		
	
			
				Issue 003, 
November 2015			
		
		
		
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	Global Benefits Vision Welcomes Contributions
Global Benefits Vision publishes in-depth articles written by global employee benefits experts for global employee benefits practitioners and is happy to welcome your contributions. Get in touch with the publisher at eric.muller-borle@global-benefits-vision.com. From the Contributor Guidelines Our mission at Global Benefits Vision is to make the accumulated knowledge and wisdom of the best experts available to all practitioners in an appealing, memorable way. Reading, learning, reflecting—and writing—are important parts
		
	Zurich announces International Programs in Employee Benefits, targeting risk managers
Zurich presented the “Zurich International Programs for Employees” at the October 2015 biannual meeting of the Federation of European Risk Management Associations (FERMA). The new product, to be launched in 2016, allows multinationals to manage their employee benefits coverages through a single global program, combining local policies with cross-border policies; as well as providing centralized data and reports. From a marketing standpoint, the new product is aimed squarely at
		
	AXA PPP healthcare (U.K.) introduces Corporate Health Plan for Mid Corporates
AXA Group’s AXA PPP healthcare unit in the UK in August 2015 launched its “Corporate Health Plan for Mid Corporates”, geared towards small-to-midsize businesses (SMBs) from 65 to 250 employees, that provides access to medical diagnosis and to approved treatments and drugs to get employees back to health and back to work quickly. Features usually reserved for larger groups include networks of quality-assessed healthcare providers: over 250 hospitals, 400
		
	Theo Lutgendorff joins as partner in Sprenkels & Verschuren
Theo Lutgendorff joined in November 2015 as partner in Sprenkels & Verschuren, Actuaries and Consultants, in Amsterdam. He previously worked at Zurich Global Life as global partnership director (2013-2015), and as head of the Zurich Employee Benefits Network (2010-2013). Before his roles at Zurich, Theo was active in the global benefits and pensions market as principal with Aon Consulting. Sprenkels & Verschuren is the largest privately held and independent
		
	Employee Liabilities and Risk Management, by Paul Pittman
For many employers the largest liability related to employees after payroll-related cost is employee benefits. Subject to a turbulent and volatile past, now largely over, some management vestiges remain. Employers should examine the management of employee benefits and how tailored it is to their company’s current risk profile and cash flow. Certainly captives require more administration and an empowered internal advocate who can maximize utilization. But for mid-size and
		
	
			
				46th IBIS Academy 
to be held 23-27 May 2016 in Amsterdam, NL			
		
		
		
		The 2016 edition of the IBIS Academy will be held in Amsterdam, The Netherlands, from May 23 to May 27, 2016. For its 46th iteration, IBIS will include a new three-day Mobility track, devoted to Global Mobility and co-developed and co-hosted with AIRINC. IBIS Academy participants choose one of three distinct tracks intended for different audiences: the IBIS Institute, a “boot camp” for practitioners; the IBIS Conference, a series
		
	GBV media sponsor of the 2016 IBIS Academy
Global Benefits Vision  has been retained as the media sponsor of the 46th IBIS Academy, to be held in Amsterdam, NL, from May 23 to May 27, 2016. IBIS Academy stands for three distinct tracks: the IBIS Institute, a five-day training course in global employee benefits; the IBIS Conference, a three-day series of advanced presentations and panel discussions; the new Mobility track about global mobility. A few sessions are shared
		
	Wendy Liu head of Zurich Global Employee Benefits Solutions
Wendy Liu is the head of Zurich Global Employee Benefits Solutions since July 2015. Zurich Global Employee Benefits Solutions includes Zurich Employee Benefits Network (Zebn). Wendy is currently based in New York and will relocate to Zurich towards the end of 2015. Prior to her current position, she was Global Partnership Director for Zurich Insurance Company, Head of Central Deal Desk for Zurich Financial Services and Senior Consultant at
		
	Banker’s Bonuses: French Legal Aspects
In June 2010, Benefits & Compensation International published an article by Ms. Le Men-Tenailleau on variable compensation for bankers. It focused on the employment and tax law aspects of the regulations issued by the French government in 2009 and 2010, following the Pittsburgh G20 summit of September 2009. 
		
	How Should CEOs Be Paid? Beware Vesting Periods!
Executive pay is a high-profile topic and almost everyone has an opinion on it. Many shareholders, workers and politicians believe the entire system is broken and requires a substantial overhaul. But, despite being well-intentioned, their suggested reforms may not be targeting the elements of pay most critical for shareholder value and society.
		
	Negotiating Across Cultures
Negotiation is something we all do every day – both at work and in our private lives. But we don’t often sit back to think about the process. It’s natural, isn’t it? Well, actually, no.
		
	 
			

