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Danilo Lima in February 2019 founded and now leads employee benefits consulting firm 360 Beneficios, located in Sao Paolo, Brazil. 360 Benefícios is an HR Tech firm that focuses on employee benefits integration in Brazil; its software and services simplify selecting, implementing, and managing corporate benefits. Prior to 360 Beneficios, Danilo was a Business Manager with startup acceleration program InovAtiva Brazil and with Aliança Empreendedora (Entrepreneurial Alliance); a Regional

Brazilian insurance carrier SulAmerica in January 2020 joined Generali Employee Benefits (GEB) as a new partner for health and related coverage. Generali Brazil continues to provide life, accident, and disability coverage in Brazil for GEB clients.    

Sao Paolo, Brazil-based broker Harmonia Corretora de Seguros in September 2019 promoted Ana Carolina Lima Conduta Izzo to Vice President of Health and Benefits. Harmonia is part of the Howden Broking Group. Ana Carolina previously was Harmonia’s Director of Benefits, a position she retains. She holds a post-graduate degree in Dental Implants from Universidade de São Paulo, in Sao Paolo, Brazil; and attended the Program for Management Development at

In terms of land mass Brazil is the largest country in Latin America and the 5th largest in the world behind Russia, Canada, China, and the USA. Despite its vast territory, Brazil’s population is concentrated in the major cities of each state, mostly on the Southern coast. Being the only Portuguese- speaking country in the region, Brazil is also different in many aspects including cultural, and economic challenges, and the way of doing business in the marketplace. These are the reasons why operating in Brazil brings inherent and unique challenges to the HR team.

The Worldwide Broker Network (WBN) Board of Directors in June 2017 elected Priscila Conduta Elias, President and CEO of Harmonia Brazil, to serve on the board of directors as the regional representative for South and Central America. Elias replaces her father Jose Roberto Conduta, who stepped down from the board in April 2017. Based in Sao Paulo, Elias has served as the President and CEO of Harmonia Brazil since 2011.  In her current role, she is

The 2016 IGP Regional Americas Seminar, held on September 15, 2016 at the Renaissance Hotel in São Paulo, Brazil, attracted over 100 registrants and offered a choice of 12 country-specific presentations focused on the Americas region that explained both the basics and the latest developments on social security, plan design, funding requirements, trends and legislative updates in those areas.

Over the past few decades there has been a significant shift from the traditional defined-benefit (DB) plan toward defined-contribution (DC) plans. In defined benefit (DB) pension plans sponsored by employers, employees must rely on the employer’s investment decisions to guarantee their retirement benefit in the future.

Brazil’s Social Security sector has undergone several transformations since it was implemented in the distant year of 1821, when the country still was a Portuguese colony. The existing models date back to 1923, when the country’s railway companies created a Retirement and Pensions Fund to cover their employees. Today, Brazil has three main pension schemes: the General Pension Scheme, managed by the National Social Security Institute and run by the government, to which all formally employed workers are entitled; the Special Public Servants’ Regimes; and Supplemental Pension Plans.

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.

Chubb do Brasil joined the AIG Global Benefits Network in July 2015. Chubb has been present in Brazil since 1845 and has been developing an Employee Benefits desk since the 1970’s. Chubb will pool Group Life and its riders in Brazil. With this addition, AIG GBN continues its expansion in Latin America.