SHRM Survey Findings: 2013 Employer Perspectives on
Disability Benefits—Carrier Satisfaction/Changes
In collaboration with...
In collaboration with and commissioned by MassMutual
• The 2013 Employer Perspectives on Disability Benefits survey, which...
In collaboration with and commissioned by MassMutual
• The results of each question are reported by the overall sample, an...
In collaboration with and commissioned by MassMutual
2013 Employer Perspectives on Disability Benefits—Carrier Satisfactio...
In collaboration with and commissioned by MassMutual
• How do organizations perceive their long-term disability program? O...
In collaboration with and commissioned by MassMutual
• What changes are organizations considering making to their long-ter...
In collaboration with and commissioned by MassMutual
• HR professionals should strive toward helping their employees recog...
In collaboration with and commissioned by MassMutual
From the employer’s perspective, how important is your group
long-ter...
In collaboration with and commissioned by MassMutual
Note: Only statistically significant differences are shown.
From the ...
In collaboration with and commissioned by MassMutual
From your employees’ perspective, how important is the long-
term dis...
In collaboration with and commissioned by MassMutual
Note: Only statistically significant differences are shown.
From your...
In collaboration with and commissioned by MassMutual
How often is your group long-term disability program evaluated
by you...
In collaboration with and commissioned by MassMutual
Note: Only statistically significant differences are shown.
How often...
In collaboration with and commissioned by MassMutual
Are you considering making changes to your long-term disability
progr...
In collaboration with and commissioned by MassMutual
Note: Only statistically significant differences are shown.
Are you c...
In collaboration with and commissioned by MassMutual
Which of the following are the top reasons for making changes to
the ...
In collaboration with and commissioned by MassMutual
Which of the following potential changes are you considering
making t...
In collaboration with and commissioned by MassMutual
Has your organization switched long-term disability carriers in the
p...
In collaboration with and commissioned by MassMutual
Note: Only statistically significant differences are shown.
Has your ...
In collaboration with and commissioned by MassMutual
What prompted the carrier change?
2013 Employer Perspectives on Disab...
In collaboration with and commissioned by MassMutual
Note: Only statistically significant differences are shown.
What prom...
In collaboration with and commissioned by MassMutual
2013 Employer Perspectives on Disability Benefits—Carrier Satisfactio...
In collaboration with and commissioned by MassMutual
Approximately what percentage of regular, full-time and part-
time em...
In collaboration with and commissioned by MassMutual
Which of the following is closest to your job title?
2013 Employer Pe...
In collaboration with and commissioned by MassMutual
Demographics: Organization Staff Size
2013 Employer Perspectives on D...
In collaboration with and commissioned by MassMutual
Demographics: Organization Profit Status
2013 Employer Perspectives o...
In collaboration with and commissioned by MassMutual
Demographics: Organization Region
2013 Employer Perspectives on Disab...
In collaboration with and commissioned by MassMutual
Demographics: Organization Industry
2013 Employer Perspectives on Dis...
In collaboration with and commissioned by MassMutual
U.S.-based operations only 66%
Multinational operations 34%
Single-un...
In collaboration with and commissioned by MassMutual
• Response rate = 10%
• 4,402 HR professional respondents from a rand...
In collaboration with and commissioned by MassMutual
31Disability and Executive Benefits Survey ©SHRM 2012
About MassMutua...
In collaboration with and commissioned by MassMutual
32Disability and Executive Benefits Survey ©SHRM 2012
About SHRM
The ...
In collaboration with and commissioned by MassMutual
33Disability and Executive Benefits Survey ©SHRM 2012
• For more surv...
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SHRM Survey Findings: 2013 Employer Perspectives on Disability Benefits--Carrier Satisfaction/Changes

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This is part four of the five-part series conducted in collaboration with MassMutual. Three-fifths of organizations report their long-term disability program is an “extremely important” or “very important” element of their benefits offerings, from the employer’s perspective. Three-quarters of organizations report evaluating their long-term disability program on an annual basis.

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SHRM Survey Findings: 2013 Employer Perspectives on Disability Benefits--Carrier Satisfaction/Changes

  1. 1. SHRM Survey Findings: 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes In collaboration with and commissioned by MassMutual September 18, 2013
  2. 2. In collaboration with and commissioned by MassMutual • The 2013 Employer Perspectives on Disability Benefits survey, which was commissioned by MassMutual, is a collaboration between the Society for Human Resource Management and MassMutual. • The survey was sent to a randomly selected sample of SHRM members from a variety of industries. A response rate of 10% was achieved with 4,402 responses. • The main purpose of this research was to gain a better understanding of organizations’ needs and gaps regarding long-term disability and executive benefits. The 2012 data were collected from a sample including small-, medium- and large-staff-size organizations (see slide 25). • The findings are divided in the following topics:  Base Group Long-Term Disability Plans  Compensation and Buy-Up Coverage  Supplemental Plan/Individual Disability Income  Carrier Satisfaction/Changes  Executive Group Life Benefits 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 2 Introduction
  3. 3. In collaboration with and commissioned by MassMutual • The results of each question are reported by the overall sample, and then, where applicable, statistically significant differences by organization staff size, industry and region are included. Only statistically significant differences with a sample size of 25 or more were reported. • The results are based on respondents who indicated that they were either “extremely knowledgeable,” “very knowledgeable” or “somewhat knowledgeable” about their organization’s employee benefits plan. The results include respondents from publicly owned for- profit or privately owned for-profit organizations only. 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 3 Introduction (continued) Industries Organization Staff Size Region  Accounting/architectural  Computer and electronic products/technology  Energy, gas, oil  Financial services  Health care services  Information services  Law firms and legal services  Manufacturing  Pharmaceutical and medicine  Physician and dental offices  Professional, scientific and technical services  Telecommunications  Utilities  Wholesale and retail trade  Other industries  1 to 99 employees  100 to 499 employees  500 to 2,499 employees  2,500 to 24,999 employees  25,000 or more employees  Midwest  Northeast  South  West
  4. 4. In collaboration with and commissioned by MassMutual 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 4 Carrier Satisfaction/Future Plan Changes
  5. 5. In collaboration with and commissioned by MassMutual • How do organizations perceive their long-term disability program? Overall, 60% of organizations reported their long-term disability program is an “extremely important” or “very important” element of their organization’s benefits offerings from the perception of employers. Employees’ opinions of this program are rated slightly lower. Approximately one-half (46%) of organizations indicated this program is “extremely important” or “very important” to their employees. • How frequently do organizations evaluate their long-term disability program? Three- quarters of organizations reported evaluating their long-term disability program on an annual basis. Smaller staff-size organizations are more likely than larger organizations to evaluate their program annually.  Only 15% of organizations are considering making changes to their program in the future. Organizations with 500 to 2,499 employees are more likely than organizations with 1 to 99 employees to consider making changes to their long-term disability program.  The most frequently cited reasons for making changes to the program in the future are shopping the plan to other carriers to obtain cost-efficiencies (58%) and making changes to benefits offerings (51%). 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 5 Key Findings in Carrier Satisfaction/Future Plan Changes
  6. 6. In collaboration with and commissioned by MassMutual • What changes are organizations considering making to their long-term disability program? The most frequently cited changes include 1) increasing the benefit amount (46%), 2) higher monthly maximum (33%), and 3) class of employees with different benefit levels (21%). • Are many organizations switching their long-term disability carriers? Over one-third (36%) of organizations have switched long-term disability carriers in the past three years. Smaller staff-size organizations are more likely than larger organizations to have switched their carriers.  Among those that switched carriers, the top reasons for making the change are 1) cost of the plan (66%), 2) lower administrative fees (27%), 3) ease of administration (23%), 4) recommendation of an advisor (22%), and 5) additional features/services available (21%). 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 6 Key Findings in Carrier Satisfaction/Future Plan Changes (continued)
  7. 7. In collaboration with and commissioned by MassMutual • HR professionals should strive toward helping their employees recognize the importance of their long-term disability plan. HR must continually work to educate employees about the importance of the benefits as employees may not fully understand the role that benefits play in employee health and financial wellness. Highlighting the value of each benefit that an organization offers has implications for employee retention and recruitment. 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 7 What do these findings mean for HR professionals?
  8. 8. In collaboration with and commissioned by MassMutual From the employer’s perspective, how important is your group long-term disability program in your organization’s benefit offering? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 8 Extremely important Very important Somewhat important Not very important Not at all important 14% 46% 35% 5% 1% Note: n = 3,533. Only respondents whose organizations offer a group long-term disability plan were asked this question. Respondents who answered “don’t know” were excluded from this analysis. Percentages do not total 100% due to rounding.
  9. 9. In collaboration with and commissioned by MassMutual Note: Only statistically significant differences are shown. From the employer’s perspective, how important is your group long-term disability program in your organization’s benefits offering? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 9 Organizations located in the South are more likely than those located in the Midwest and West to report their group long-term disability program is “extremely important” in their organization’s benefits offering. Conversely, organizations located in the Midwest compared with organizations located in the South are more likely to report their group long-term disability program as “somewhat important.” Comparison by organization demographics Extremely important South (17%) > Midwest (12%) West (11%) Somewhat important Midwest (37%) > South (31%)
  10. 10. In collaboration with and commissioned by MassMutual From your employees’ perspective, how important is the long- term disability program? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 10 Extremely important Very important Somewhat important Not very important Not at all important 13% 33% 42% 11% 1% Note: n = 3,527. Only respondents whose organizations offer a group long-term disability plan were asked this question. Respondents who answered “don’t know” were excluded from this analysis.
  11. 11. In collaboration with and commissioned by MassMutual Note: Only statistically significant differences are shown. From your employees’ perspective, how important is the long- term disability program? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 11 Organizations with 2,500 to 24,999 employees are more likely than those with 100 to 499 employees to report their group long-term disability program as “extremely important” from their employees’ perspective. Organizations located in the West compared with those located in the South are more likely to report their group long-term disability program as “not very important” from their employees’ perspective. Comparison by organization demographics Extremely important 2,500 to 24,999 employees (16%) > 100 to 499 employees (11%) Not very important West (14%) > South (9%)
  12. 12. In collaboration with and commissioned by MassMutual How often is your group long-term disability program evaluated by your benefits broker/benefits firm? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 12 Annually Biannually Every three years Only when needed Other 75% 8% 10% 6% 0% Note: n = 3,183. Only respondents whose organizations offer a group long-term disability plan were asked this question. Respondents who answered “don’t know” were excluded from this analysis. Percentages do not total 100% due to rounding.
  13. 13. In collaboration with and commissioned by MassMutual Note: Only statistically significant differences are shown. How often is your group long-term disability program evaluated by your benefits broker/benefits firm? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 13 Smaller staff-size organizations are more likely than larger organizations to have their benefits broker/benefits firm evaluate their group long-term disability program annually. Utilities are more likely than wholesale/retail trade, financial services, manufacturing and other industries to have the program evaluated every three years. Comparison by organization demographics Organization Staff Size Organization Industry Annually 1 to 99 employees (80%) 100 to 499 employees (79%) > 500 to 2,499 employees (70%) 2,500 to 24,999 employees (69%) Other industries (78%) > Utilities (63%) Every three years 500 to 2,499 employees (13%) 2,500 to 24,999 employees (17%) 25,000 or more employees (13%) > 1 to 99 employees (5%) 100 to 499 employees (7%) Utilities (24%) > Wholesale and retail trade (10%) Financial services (9%) Manufacturing (8%) Other industries (8%)
  14. 14. In collaboration with and commissioned by MassMutual Are you considering making changes to your long-term disability program in the future? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 14 Yes No 15% 85% Note: n = 2,342. Only respondents whose organizations offer a group long-term disability plan were asked this question. Respondents who answered “don’t know” were excluded from this analysis.
  15. 15. In collaboration with and commissioned by MassMutual Note: Only statistically significant differences are shown. Are you considering making changes to your long-term disability program in the future? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 15 Organizations with 500 to 2,499 employees are more likely than organizations with 1 to 99 employees to consider making changes to their long-term disability program in the future. Comparison by organization demographics 500 to 2,499 employees (19%) > 1 to 99 employees (12%)
  16. 16. In collaboration with and commissioned by MassMutual Which of the following are the top reasons for making changes to the long-term disability program in the future? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 16 Shopping the plan to other carrier to obtain cost-efficiencies Changes to benefits offerings Changes to supplement programs Taxation of the benefit amount Self-insuring the plan Other 58% 51% 27% 12% 6% 6% Note: n = 345. Only respondents whose organizations offer a group long-term disability plan and are considering making changes to their long-term disability program were asked this question. Respondents who answered “don’t know” were excluded from this analysis. Percentages do not total 100% due to multiple choice options.
  17. 17. In collaboration with and commissioned by MassMutual Which of the following potential changes are you considering making to your group long-term disability program in the future? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 17 Percentage Increasing the benefit amount 46% Higher monthly maximum 33% Class of employees with different benefit levels 21% Changing the treatment of variable compensation 15% Changing the definition of disability 11% Employer pays a higher percentage of the premiums 11% Employer pays a lower percentage of the premiums 10% Higher replacement percentage 10% Decreasing elimination/waiting period 7% Decreasing the benefit amount 5% Increasing the benefit period 5% Increasing elimination/waiting period 4% Decrease in exclusions 3% Decreasing the benefit period 3% Lower monthly maximum 3% Offering an employee buy-up 3% Increase in exclusions 2% Lower replacement percentage 1% Other 7% Note: n = 297. Only respondents whose organizations offer a group long-term disability plan and are considering making changes to their long-term disability program were asked this question. Respondents who answered “don’t know” were excluded from this analysis. Percentages do not total 100% due to multiple choice options.
  18. 18. In collaboration with and commissioned by MassMutual Has your organization switched long-term disability carriers in the past three years? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 18 Yes No 36% 64% Note: n = 3,370. Only respondents whose organizations offer a group long-term disability plan were asked this question. Respondents who answered “don’t know” were excluded from this analysis.
  19. 19. In collaboration with and commissioned by MassMutual Note: Only statistically significant differences are shown. Has your organization switched long-term disability carriers in the past three years? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 19 Smaller staff-size organizations are more likely than larger organizations to have switched long-term disability carriers in the past three years. Information services are more likely than the utilities industry to have switched disability carriers in the past three years. Comparison by organization demographics 100 to 499 employees (41%) 500 to 2,499 employees (40%) > 2,500 to 24,999 employees (28%) 25,000 or more employees (20%) 1 to 99 employees (35%) > 25,000 or more employees (20%) Information services (49%) > Utilities (28%)
  20. 20. In collaboration with and commissioned by MassMutual What prompted the carrier change? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 20 Cost of plan Lower administrative fees Ease of administration Recommendation of an advisor Additional features/services available Carrier offering was not competitive Plan flexibility Recommendation of Board/Senior… Ease of understanding plan Better customer service Performance of investment funds Corporate merger Other 66% 27% 23% 22% 21% 15% 6% 4% 3% 3% 1% 1% 4% Note: n = 1,123. Only respondents whose organizations offer a group long-term disability plan and have switched long-term disability carriers in the past three years were asked this question. Respondents who answered “don’t know” were excluded from this analysis. Percentages do not total 100% due to multiple response options.
  21. 21. In collaboration with and commissioned by MassMutual Note: Only statistically significant differences are shown. What prompted the carrier change? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 21 Smaller staff-size organizations are more likely than larger organizations to switch carriers due to the cost of the plan. Larger staff-size organizations are more likely than smaller organizations to switch carriers due to ease of administration and lower administration fees. Comparison by organization demographics Cost of plan 1 to 99 employees (67%) 100 to 499 employees (71%) 500 to 2,400 employees (67%) > 2,500 to 24,999 employees (51%) Ease of administration 2,500 to 24,999 employees (33%) > 1 to 99 employees (16%) Lower administrative fees 100 to 499 employees (25%) 500 to 2,499 employees (35%) 2,500 to 24,999 employees (39%) > 1 to 99 employees (16%) 2,500 to 24,999 employees (39%) > 100 to 499 employees (25%)
  22. 22. In collaboration with and commissioned by MassMutual 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 22 Demographics
  23. 23. In collaboration with and commissioned by MassMutual Approximately what percentage of regular, full-time and part- time employees are eligible for employee benefits at your organization? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 23 Less than 25% 25% to 49% 50% to 59% 60% to 69% 70% to 79% 80% to 89% 90% to 99% 100% Full-time Employees (n = 4,182) 1% 1% 1% 1% 2% 4% 12% 78% Part-time Employees (n = 3,470) 66% 3% 5% 1% 2% 3% 4% 16%
  24. 24. In collaboration with and commissioned by MassMutual Which of the following is closest to your job title? 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 24 Manager Generalist Director Chief Human Resource Officer Vice President Administrator Supervisor Associate Director Specialist Associate Vice President Senior Vice President Analyst Chief Executive Officer President Chief Human Capital Officer Senior Executive Vice President Executive Vice President Other 32% 23% 19% 9% 6% 2% 1% 1% 1% 1% 1% 1% 0% 0% 0% 0% 0% 3% n = 4,394
  25. 25. In collaboration with and commissioned by MassMutual Demographics: Organization Staff Size 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 25 1 - 99 employees 100 - 499 employees 500 - 2,499 employees 2,500 - 24,999 employees 25,000 or more employees 25% 33% 18% 17% 7% n = 4,382
  26. 26. In collaboration with and commissioned by MassMutual Demographics: Organization Profit Status 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 26 Privately owned for- profit Publicly owned for- profit 72% 28% n = 4,402
  27. 27. In collaboration with and commissioned by MassMutual Demographics: Organization Region 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 27 Midwest South West Northeast 35% 26% 22% 17% n = 4,106
  28. 28. In collaboration with and commissioned by MassMutual Demographics: Organization Industry 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 28 Percentage Manufacturing 16% Wholesale and Retail Trade 14% Financial services A 10% Professional, Scientific and Technical Services 8% Energy, Gas, Oil B 6% Telecommunications 6% Accounting / Architectural C 4% Computer and Electronic Products/Technology D 4% Health Care Services E 4% Utilities 4% Information Services F 3% Pharmaceutical and Medicine G 2% Law Firms and Legal Services 2% Physician and Dental Offices 1% Other industries 16% n = 4,402 A Includes Banks, Insurance Companies, Securities and Commodities, Other Finance and Insurance Services categories. B Includes Energy Extraction and Refining, Gas and Oil, and Other Oil, Gas, and Energy Extraction and Refining categories. C Includes Accounting, Tax, Payroll Services and Architectural, Engineering categories. D In the survey labeled as Manufacturing: Computer and Electronic Products/Technology. E Includes Hospitals and Other Health Care Services categories. F Includes Publishing, Motion Picture, Broadcasting (except Internet) and Other Information Services categories. G In the survey labeled as Manufacturing: Pharmaceutical and Medicine category.
  29. 29. In collaboration with and commissioned by MassMutual U.S.-based operations only 66% Multinational operations 34% Single-unit organization: An organization in which the location and the organization are one and the same. 26% Multi-unit organization: An organization that has more than one location. 74% Multi-unit headquarters determines HR policies and practices 64% Each work location determines HR policies and practices 4% A combination of both the work location and the multi-unit headquarters determines HR policies and practices 33% Is your organization a single-unit organization or a multi-unit organization? For multi-unit organizations, are HR policies and practices determined by the multi-unit headquarters, by each work location or by both? Does your organization have U.S.- based operations (business units) only, or does it operate multinationally? n = 4,387 n = 4,398 Note: n = 3,410. Percentages do not equal 100% due to rounding. Corporate (companywide) 74% Business unit/division 15% Facility/location 11% n = 3,407 What is the HR department/function for which you responded throughout this survey? Demographics: Other 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 29
  30. 30. In collaboration with and commissioned by MassMutual • Response rate = 10% • 4,402 HR professional respondents from a randomly selected sample of a variety of industries in SHRM’s membership • Margin of error +/- 2% • Survey fielded: July 10, 2012 to August 3, 2012 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 30 SHRM Survey Findings: 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes In collaboration with and commissioned by MassMutual Survey Methodology
  31. 31. In collaboration with and commissioned by MassMutual 31Disability and Executive Benefits Survey ©SHRM 2012 About MassMutual Founded in 1851, MassMutual is a leading mutual life insurance company that is run for the benefit of its members and participating policyholders. The company has a long history of financial strength and strong performance, and although dividends are not guaranteed, MassMutual has paid dividends to eligible participating policyholders every year since the 1860s. With whole life insurance as its foundation, MassMutual provides products to help meet the financial needs of clients, such as life insurance, disability income insurance, long term care insurance, retirement/401(k) plan services, and annuities. In addition, the company’s strong and growing network of financial professionals helps clients make good financial decisions for the long-term. 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 31
  32. 32. In collaboration with and commissioned by MassMutual 32Disability and Executive Benefits Survey ©SHRM 2012 About SHRM The Society for Human Resource Management (SHRM) is the world’s largest association devoted to human resource management. Representing more than 250,000 members in over 140 countries, the Society serves the needs of HR professionals and advances the interests of the HR profession. Founded in 1948, SHRM has more than 575 affiliated chapters within the United States and subsidiary offices in China and India. 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 32
  33. 33. In collaboration with and commissioned by MassMutual 33Disability and Executive Benefits Survey ©SHRM 2012 • For more survey/poll findings, visit www.shrm.org/surveys • For more information about SHRM’s Customized Research Services, visit www.shrm.org/customizedresearch • Follow us on Twitter @SHRM_Research 2013 Employer Perspectives on Disability Benefits—Carrier Satisfaction/Changes ©SHRM 2013 33 About SHRM Research

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