Thomas Cunningham helps retirees find health care coverage through his role as a benefits advisor. He gets to know retirees on a personal level and forms long-lasting relationships with them. Retirees often express how Thomas has "saved their life" by helping them navigate the complex world of health care options. Thomas talks with retirees for over an hour to understand their needs and ensure they have a plan that meets those needs. Many retirees consider their benefits advisor, like Thomas, a reliable friend who continues assisting them beyond the initial enrollment call.
This document discusses the importance of respecting the environment and community. It argues that strict laws are needed to curb littering and pollution, but that individual commitment and leading by example are even more important. Young people should enjoy life but also prepare responsibly for adulthood, and the family continues to play a key role in providing support, advice and moral guidance to younger generations.
Thomas introduced himself as a businessman who is now a single father caring for his son alone after divorcing his wife Sandra Thor two years ago due to quarreling repeatedly about family allowances. He loves his son, who is everything in his life now. If he had a lot of money, he would use it to support his parents, pay his son's tuition fees and alimony, cover family living expenses like utilities and insurance, and pay rent and car payments, with any remaining money for miscellaneous expenses.
Dr. Sam Tumelo, the branch manager of Standard Bank of South Africa, claims to have discovered $32.5 million that was not reported to head office. He proposes transferring these funds to the recipient's bank account in exchange for 35% of the money. No risks are involved and Dr. Tumelo will provide documents to support the claim. He requests basic contact and identity information from the recipient to facilitate the transfer.
This document contains advice to be thankful for what you have rather than complaining. It suggests looking at those who are less fortunate to appreciate life's blessings. While society may seem unfair, others suffer more, so enjoy life as it comes and observe how much better off you are than many. There is no need to feed endless consumerism when so many lack basic needs, so complain less and give more.
The document profiles Manojbhai Parmar, a retired Indian army officer who now contributes to his community. After serving 15 years in the army where he faced difficult conditions, Manojbhai now teaches physical training voluntarily at a local school. He provides guidance to students on joining the army and helps those who cannot afford school fees. Manojbhai encourages youth to protect the country by joining the army, staying fit and honest, and persevering through challenges.
Phil Woolston received praise from Fabian Yescas for helping a provider, Dr. Sheryl Long, de-escalate a frustrating situation and better understand issues they were having accessing systems on Wednesdays. Dr. Long had initially emailed complaining about slow logins and servers making it difficult to work that day. Phil called Dr. Long's office and her directly to evaluate the problems, reassuring her that fixes implemented in recent weeks may help. Dr. Long thanked Phil and Naomi Schaefer for their patience and assistance, feeling more optimistic going forward.
Adam is an insurance agent who has handled numerous claims over the past 3 years for Brendon and Abbey Nelson due to sporting injuries. The Nelsons found Adam to be capable, pleasant to deal with, and genuinely caring as he always asked how they were recovering. In their most recent meeting, Adam sat down with them, explained the insurance process, and organized everything, taking away all their stress. They left feeling happy and confident that Adam had everything under control. The insurance then kicked in as promised with no issues. Adam is very knowledgeable, gets the ball rolling smoothly without hassles, and has a good work ethic as he is always polite and smiling, with nothing ever being a problem for him.
The document discusses the importance of maintaining a positive attitude. It provides a top 10 list for improving one's return on energy, which includes doing something nice for others daily, thinking positively about oneself, accepting that life is not always fair, stopping blaming others, working smarter not harder, listening more and talking less, not making excuses, saying thank you, being on time, and smiling. Maintaining a positive attitude is emphasized as key to success and well-being.
This document discusses the importance of respecting the environment and community. It argues that strict laws are needed to curb littering and pollution, but that individual commitment and leading by example are even more important. Young people should enjoy life but also prepare responsibly for adulthood, and the family continues to play a key role in providing support, advice and moral guidance to younger generations.
Thomas introduced himself as a businessman who is now a single father caring for his son alone after divorcing his wife Sandra Thor two years ago due to quarreling repeatedly about family allowances. He loves his son, who is everything in his life now. If he had a lot of money, he would use it to support his parents, pay his son's tuition fees and alimony, cover family living expenses like utilities and insurance, and pay rent and car payments, with any remaining money for miscellaneous expenses.
Dr. Sam Tumelo, the branch manager of Standard Bank of South Africa, claims to have discovered $32.5 million that was not reported to head office. He proposes transferring these funds to the recipient's bank account in exchange for 35% of the money. No risks are involved and Dr. Tumelo will provide documents to support the claim. He requests basic contact and identity information from the recipient to facilitate the transfer.
This document contains advice to be thankful for what you have rather than complaining. It suggests looking at those who are less fortunate to appreciate life's blessings. While society may seem unfair, others suffer more, so enjoy life as it comes and observe how much better off you are than many. There is no need to feed endless consumerism when so many lack basic needs, so complain less and give more.
The document profiles Manojbhai Parmar, a retired Indian army officer who now contributes to his community. After serving 15 years in the army where he faced difficult conditions, Manojbhai now teaches physical training voluntarily at a local school. He provides guidance to students on joining the army and helps those who cannot afford school fees. Manojbhai encourages youth to protect the country by joining the army, staying fit and honest, and persevering through challenges.
Phil Woolston received praise from Fabian Yescas for helping a provider, Dr. Sheryl Long, de-escalate a frustrating situation and better understand issues they were having accessing systems on Wednesdays. Dr. Long had initially emailed complaining about slow logins and servers making it difficult to work that day. Phil called Dr. Long's office and her directly to evaluate the problems, reassuring her that fixes implemented in recent weeks may help. Dr. Long thanked Phil and Naomi Schaefer for their patience and assistance, feeling more optimistic going forward.
Adam is an insurance agent who has handled numerous claims over the past 3 years for Brendon and Abbey Nelson due to sporting injuries. The Nelsons found Adam to be capable, pleasant to deal with, and genuinely caring as he always asked how they were recovering. In their most recent meeting, Adam sat down with them, explained the insurance process, and organized everything, taking away all their stress. They left feeling happy and confident that Adam had everything under control. The insurance then kicked in as promised with no issues. Adam is very knowledgeable, gets the ball rolling smoothly without hassles, and has a good work ethic as he is always polite and smiling, with nothing ever being a problem for him.
The document discusses the importance of maintaining a positive attitude. It provides a top 10 list for improving one's return on energy, which includes doing something nice for others daily, thinking positively about oneself, accepting that life is not always fair, stopping blaming others, working smarter not harder, listening more and talking less, not making excuses, saying thank you, being on time, and smiling. Maintaining a positive attitude is emphasized as key to success and well-being.
This document contains excerpts from a women's business magazine. It includes articles on mentoring, personal development, health, food, profiles of successful women entrepreneurs, and exercises for professional and personal growth. The magazine aims to empower and inspire women through stories of achievement and tools for career and life success.
The document discusses customer service expectations for Ada County Paramedics. It identifies four main customer groups: oneself, co-workers, other agencies, and patients/the public. It emphasizes the importance of communication skills, treating all customers with respect, and following the STAR-CARE model of safe, team-based, attentive, respectful, customer-focused, appropriate, and ethical service.
Rogerian Essay - I Introduction. Online assignment writing service.Jacqueline Donovan
Toussaint L'ouverture was born into slavery in Haiti in 1743. He was educated and later freed from slavery, becoming a landowner. As an agent of change, Toussaint led a slave rebellion that overthrew French colonial rule in Haiti and defeated attempts to reimpose slavery. He established Haiti as an independent state with its own government, fighting for the rights and freedom of slaves. Toussaint transformed Haitian society from one of slaves to an independent nation.
The document summarizes the passing of Ann Henderson Johnson, a leader in the Georgia Toastmasters District 14. It discusses her accomplishments, including being the first female governor of District 14 and leading the district to be named the #1 President's Distinguished District. It invites donations in her memory. It also previews upcoming articles in the newsletter, including one on lessons learned in the classroom and the importance of second chances.
This document is the newsletter of the Printcare Toastmasters Club. It includes messages from the club president, area director, and editor. It highlights new members who have joined the club's leadership team and introduces associate crew members. It announces an upcoming presidential installation ceremony and contests in the area. Several articles provide tips on achieving promotions, giving evaluations, coaching and mentoring, and developing communication and leadership skills through Toastmasters. The newsletter aims to inform members and encourage participation in club activities and self-improvement.
The document discusses the history of Nepal's government system, which transitioned from an authoritarian system to a constitutional monarchy in 1990. A decade-long civil war between Maoist rebels and the government ended in 2006 with a peace agreement. Two constituent assembly elections were held. In 2015, Nepal adopted a new federal constitution guaranteeing equal rights, though some view it positively while others negatively. The constitution awaits federal elections to be fully implemented.
Men can experience postpartum depression after having a baby. The document discusses signs of postpartum depression in fathers, including feeling angry, drinking too much, and wanting to avoid time with the baby. It provides tips for fathers experiencing this, such as seeking support from family and friends and not being too hard on oneself. New fatherhood brings stress and anxiety as men adjust to this new unpredictable role.
How do Medicin of modern {Allopathic} Technology help or destroy Humans as well as Animals Health ? How to avoid the toxic or after affect ? Is there any alternative Medicine of mode for safety ? Sure there are medicine,Holistic . Want to know more ?
The document discusses the importance of friends and how they can help reduce stress. It notes that friends provide emotional support, acceptance, and help take one's mind off problems through shared activities. While both men and women benefit from friendships, the document finds gender differences in how friends are used to manage stress - men tend to engage in competitive activities or be alone, while women seek social support through group activities. Research shows friendships can lower blood pressure and cholesterol, and a lack of friends poses health risks similar to smoking. Overall, the document emphasizes that friends are an important support system that can aid stress management and positively impact one's health and well-being.
The document is a bulletin from the Toastmasters Club of Pune North East that provides a varied mixture of moments from the club over the past few months, including the president's address, articles on avoiding being influenced, budding toastmasters sharing their backgrounds, and a report on fellowship among members. It encourages readers to enjoy a solo journey through the interesting articles that will make them feel as though they are part of the covered moments.
Police September 2015 Mental Health, Syreeta LundSyreeta Lund
This document discusses mental health issues among emergency services personnel like police officers. It summarizes the following key points:
- Research found that 9 in 10 emergency services staff have experienced stress or mental health issues. Police officers are less likely to take time off for stress but are still impacted.
- The charity Mind received funding to provide a new support program for emergency services through initiatives like a helpline and "Blue Light Champions" to challenge stigma.
- The story of a police officer, Ed Simpson, is featured, who suffered depression and thoughts of suicide from his work until taking time off for mental health reasons. He now advocates for opening up about such issues.
- National police representative Jayne Willet
This document discusses mental health issues among emergency services personnel like police officers. It summarizes the following key points:
- Research found that 9 in 10 emergency services staff have experienced stress or mental health issues. Police officers are less likely to take time off for stress but are still impacted.
- The charity Mind received funding to provide a new support program for emergency services through initiatives like a helpline and "Blue Light Champions" to challenge stigma.
- The story of a police officer, Ed Simpson, is featured, who suffered depression and thoughts of suicide from his work until taking time off for mental health reasons. He now advocates for opening up about such issues.
- National police representative Jayne Willet
This document contains an editorial from Prof. P.G. Varghese on the importance of true Christian friendship, which is built on love as described in 1 Corinthians 13. It also contains articles on defining a friend, friendship evangelism, keeping romance alive in marriage, and finding eternal life through friendship with Jesus. The magazine includes subscription details and contact information for UESI Kerala.
David O'Brien feels passionate about social justice, human rights, equality, empowering communities, and transforming healthcare. He has lived experience with addiction, incarceration, and poverty, and now works as a mentor and advocate. He is involved in the Greater Manchester Values group and aims to promote inclusion, diversity, and community engagement if selected for the Equality and Diversity Council. His goal is to work with professionals and communities to improve services, policies, and lives through an asset-based approach.
David O'Brien feels passionate about social justice, human rights, empowering communities, and transforming healthcare. He has lived experience with addiction, poverty, and the criminal justice system. He is now in recovery and mentors others. He wants to promote equality, diversity, and inclusion on the Equality and Diversity Council by drawing on his lived experience and community engagement work. He has been involved with the Greater Manchester Values Group since 2011, contributing to initiatives on recovery, lived experience, sustainability in healthcare, and mindfulness.
The newsletter discusses upcoming events for the International Transplant Nurses Society (ITNS). It announces Transplant Nurses Day on April 15th and provides ideas for celebrating. It also provides information on the upcoming ITNS Symposium in Montreal in September 2009, including important dates for submitting abstracts. The newsletter recognizes outgoing board members and welcomes new board members. It encourages members to get involved by submitting abstracts, attending events, and nominating for open board positions.
This document provides an overview of a presentation on injectable drug treatment services. The presenter discusses their experience with both poor and exemplary services. They emphasize the importance of meaningful involvement of people who use drugs in developing services. Regulations and control that are overly punitive can undermine a service and cause people to drop out. The best services work collaboratively with clients and are flexible, trusting and aim to empower rather than control. Key tips include embracing user involvement, not capping doses, not making the clinic the center of life, and never using punishments. An ideal service is like one in their town that clients want to spend time at and feel safe.
This document provides an overview of a presentation on injectable drug treatment services. The presenter discusses their experience with both poor and exemplary services. They emphasize the importance of meaningful involvement of people who use drugs in developing services. Regulations and control that are overly punitive can undermine a service and cause people to drop out. The best services work collaboratively with clients and are flexible, trusting and aim to empower rather than control. Key tips include embracing user involvement, not capping doses, not making the clinic the center of life, and never using punishments. An ideal service is like one in their town that clients want to spend time at and feel safe.
Kids Help Phone_Impact Report_2012_ENGJulia Morgan
Kids Help Phone provides free professional counseling to children and youth in Canada through phone and online services. They listen to young people discuss a wide range of issues they face including mental health struggles, bullying, family and relationship problems, physical health concerns, and anxiety about the future. Kids Help Phone plays an important role in supporting youth mental health as over half of university students report feeling hopeless and 1.2 million children and youth in Canada are affected by mental disorders each year, representing a significant economic and social cost.
This document contains excerpts from a women's business magazine. It includes articles on mentoring, personal development, health, food, profiles of successful women entrepreneurs, and exercises for professional and personal growth. The magazine aims to empower and inspire women through stories of achievement and tools for career and life success.
The document discusses customer service expectations for Ada County Paramedics. It identifies four main customer groups: oneself, co-workers, other agencies, and patients/the public. It emphasizes the importance of communication skills, treating all customers with respect, and following the STAR-CARE model of safe, team-based, attentive, respectful, customer-focused, appropriate, and ethical service.
Rogerian Essay - I Introduction. Online assignment writing service.Jacqueline Donovan
Toussaint L'ouverture was born into slavery in Haiti in 1743. He was educated and later freed from slavery, becoming a landowner. As an agent of change, Toussaint led a slave rebellion that overthrew French colonial rule in Haiti and defeated attempts to reimpose slavery. He established Haiti as an independent state with its own government, fighting for the rights and freedom of slaves. Toussaint transformed Haitian society from one of slaves to an independent nation.
The document summarizes the passing of Ann Henderson Johnson, a leader in the Georgia Toastmasters District 14. It discusses her accomplishments, including being the first female governor of District 14 and leading the district to be named the #1 President's Distinguished District. It invites donations in her memory. It also previews upcoming articles in the newsletter, including one on lessons learned in the classroom and the importance of second chances.
This document is the newsletter of the Printcare Toastmasters Club. It includes messages from the club president, area director, and editor. It highlights new members who have joined the club's leadership team and introduces associate crew members. It announces an upcoming presidential installation ceremony and contests in the area. Several articles provide tips on achieving promotions, giving evaluations, coaching and mentoring, and developing communication and leadership skills through Toastmasters. The newsletter aims to inform members and encourage participation in club activities and self-improvement.
The document discusses the history of Nepal's government system, which transitioned from an authoritarian system to a constitutional monarchy in 1990. A decade-long civil war between Maoist rebels and the government ended in 2006 with a peace agreement. Two constituent assembly elections were held. In 2015, Nepal adopted a new federal constitution guaranteeing equal rights, though some view it positively while others negatively. The constitution awaits federal elections to be fully implemented.
Men can experience postpartum depression after having a baby. The document discusses signs of postpartum depression in fathers, including feeling angry, drinking too much, and wanting to avoid time with the baby. It provides tips for fathers experiencing this, such as seeking support from family and friends and not being too hard on oneself. New fatherhood brings stress and anxiety as men adjust to this new unpredictable role.
How do Medicin of modern {Allopathic} Technology help or destroy Humans as well as Animals Health ? How to avoid the toxic or after affect ? Is there any alternative Medicine of mode for safety ? Sure there are medicine,Holistic . Want to know more ?
The document discusses the importance of friends and how they can help reduce stress. It notes that friends provide emotional support, acceptance, and help take one's mind off problems through shared activities. While both men and women benefit from friendships, the document finds gender differences in how friends are used to manage stress - men tend to engage in competitive activities or be alone, while women seek social support through group activities. Research shows friendships can lower blood pressure and cholesterol, and a lack of friends poses health risks similar to smoking. Overall, the document emphasizes that friends are an important support system that can aid stress management and positively impact one's health and well-being.
The document is a bulletin from the Toastmasters Club of Pune North East that provides a varied mixture of moments from the club over the past few months, including the president's address, articles on avoiding being influenced, budding toastmasters sharing their backgrounds, and a report on fellowship among members. It encourages readers to enjoy a solo journey through the interesting articles that will make them feel as though they are part of the covered moments.
Police September 2015 Mental Health, Syreeta LundSyreeta Lund
This document discusses mental health issues among emergency services personnel like police officers. It summarizes the following key points:
- Research found that 9 in 10 emergency services staff have experienced stress or mental health issues. Police officers are less likely to take time off for stress but are still impacted.
- The charity Mind received funding to provide a new support program for emergency services through initiatives like a helpline and "Blue Light Champions" to challenge stigma.
- The story of a police officer, Ed Simpson, is featured, who suffered depression and thoughts of suicide from his work until taking time off for mental health reasons. He now advocates for opening up about such issues.
- National police representative Jayne Willet
This document discusses mental health issues among emergency services personnel like police officers. It summarizes the following key points:
- Research found that 9 in 10 emergency services staff have experienced stress or mental health issues. Police officers are less likely to take time off for stress but are still impacted.
- The charity Mind received funding to provide a new support program for emergency services through initiatives like a helpline and "Blue Light Champions" to challenge stigma.
- The story of a police officer, Ed Simpson, is featured, who suffered depression and thoughts of suicide from his work until taking time off for mental health reasons. He now advocates for opening up about such issues.
- National police representative Jayne Willet
This document contains an editorial from Prof. P.G. Varghese on the importance of true Christian friendship, which is built on love as described in 1 Corinthians 13. It also contains articles on defining a friend, friendship evangelism, keeping romance alive in marriage, and finding eternal life through friendship with Jesus. The magazine includes subscription details and contact information for UESI Kerala.
David O'Brien feels passionate about social justice, human rights, equality, empowering communities, and transforming healthcare. He has lived experience with addiction, incarceration, and poverty, and now works as a mentor and advocate. He is involved in the Greater Manchester Values group and aims to promote inclusion, diversity, and community engagement if selected for the Equality and Diversity Council. His goal is to work with professionals and communities to improve services, policies, and lives through an asset-based approach.
David O'Brien feels passionate about social justice, human rights, empowering communities, and transforming healthcare. He has lived experience with addiction, poverty, and the criminal justice system. He is now in recovery and mentors others. He wants to promote equality, diversity, and inclusion on the Equality and Diversity Council by drawing on his lived experience and community engagement work. He has been involved with the Greater Manchester Values Group since 2011, contributing to initiatives on recovery, lived experience, sustainability in healthcare, and mindfulness.
The newsletter discusses upcoming events for the International Transplant Nurses Society (ITNS). It announces Transplant Nurses Day on April 15th and provides ideas for celebrating. It also provides information on the upcoming ITNS Symposium in Montreal in September 2009, including important dates for submitting abstracts. The newsletter recognizes outgoing board members and welcomes new board members. It encourages members to get involved by submitting abstracts, attending events, and nominating for open board positions.
This document provides an overview of a presentation on injectable drug treatment services. The presenter discusses their experience with both poor and exemplary services. They emphasize the importance of meaningful involvement of people who use drugs in developing services. Regulations and control that are overly punitive can undermine a service and cause people to drop out. The best services work collaboratively with clients and are flexible, trusting and aim to empower rather than control. Key tips include embracing user involvement, not capping doses, not making the clinic the center of life, and never using punishments. An ideal service is like one in their town that clients want to spend time at and feel safe.
This document provides an overview of a presentation on injectable drug treatment services. The presenter discusses their experience with both poor and exemplary services. They emphasize the importance of meaningful involvement of people who use drugs in developing services. Regulations and control that are overly punitive can undermine a service and cause people to drop out. The best services work collaboratively with clients and are flexible, trusting and aim to empower rather than control. Key tips include embracing user involvement, not capping doses, not making the clinic the center of life, and never using punishments. An ideal service is like one in their town that clients want to spend time at and feel safe.
Kids Help Phone_Impact Report_2012_ENGJulia Morgan
Kids Help Phone provides free professional counseling to children and youth in Canada through phone and online services. They listen to young people discuss a wide range of issues they face including mental health struggles, bullying, family and relationship problems, physical health concerns, and anxiety about the future. Kids Help Phone plays an important role in supporting youth mental health as over half of university students report feeling hopeless and 1.2 million children and youth in Canada are affected by mental disorders each year, representing a significant economic and social cost.
1. Thomas Cunningham not only assists retirees in finding the
proper health care coverage, but forms long-lasting relationships
with them as well.
Every day around 10:30 a.m., Thomas Cunningham puts on his headset, takes a sip of coffee,
and answers the first call of the day. It could be a returning customer or someone completely
new—either way, he/she is in good hands.
As a benefits advisor for Aon Hewitt's Retiree Health Exchange, Thomas helps retirees and those
set to retire find a health care plan that's best for them. With over 90 Medicare providers and a
wide range of plans to choose from, many retirees call in a panic. Most don't know what they're
looking for, while others are worried their insurance won't cover their needs.
"We try to learn about our customers—what they want, what they're looking for," Thomas said.
"Retiree health care is a whole different language—nothing is the same as what they know. All
of a sudden, their benefits advisor becomes a reliable friend. Our goal is to establish that level of
trust with each retiree we talk to."
Often talking to each customer for at least an hour, Thomas and many other benefits advisors get
to know the retirees on a personal level and continue assisting with their Medicare needs well
beyond the initial call.
"I had someone call me back for my birthday," Thomas said. "I would say 90 percent of the
people have said to me, 'You saved my life!' I don't believe that's necessarily true, but they seem
to believe it. These are people who were scared and overwhelmed one day, and then the next day
they're like 'as long as I have Thomas at my back, I'm in good shape.'"
Customer stories
Many retirees consider their benefits advisor a friend. These are examples of how Thomas and
our other benefits advisors focus on our customers to make their experience a little easier.
"A retiree in Florida calls about once a month whenever she gets a new explanation of
benefits (EOB). She's an older lady and by herself. We're consultants and counselors, and we
treat them like our own grandparents. It's all about that connection."