Homepage2021-07-27T19:07:44-04:00

How To Reopen – Safely

  As workplaces are beginning to re-open, there are many concerns with how to keep things running smoothly and most importantly, safely. According to OSHA, basic hygiene, (e.g., hand hygiene, cleaning, and disinfection), social distancing, identification and isolation of sick [...]

SOLUTIONS

Underwriting Management Experts (UME) is a full-service Managing General Underwriter of employer stop-loss coverage.

UME provides a multitude of flexible, innovative products and solutions, crucial to creating success in an ever-evolving marketplace. Our product offerings include: traditional employer Stop-Loss, Maximum Advantage, Student Medical, MEC offerings, RBP options, and Life products, as well as Captive ownership, cell rental, reinsurance, underwriting and backroom support services for carriers and partners.

WHO WE ARE

UME is known for its excellent customer service and responsiveness. We are flexible and accommodating, and our main goal is to meet the needs of our partners.

Anne Marie Chapman

Managing Principal

Hello! My name is Anne Marie Chapman. I am the Managing Principal of Underwriting Management Experts. I have been working in the insurance industry since 1990, developing products and services that will best meet the needs of a rapidly changing marketplace. Through my years of experience, I have gained an extensive knowledge of stop-loss, captives, and all things related to self-funded plans. I have met many wonderful partners that I can now call my friends. I am thrilled to lead such a talented team and look forward to UME’s continued growth and success. Please do not hesitate to call or email me directly with any questions or concerns you may have.

MEET THE TEAM

TESTIMONIALS

UME is one of the preeminent organizations WellNet has had the pleasure to work with. They have been instrumental in assisting WellNet grow its block of business and foster our broker relationships. UME differentiates themselves in the industry by thinking outside the box and getting it done when others don’t have a solution…

Jason Kovar, Executive Vice President - Head of Health Plans – WellNet

I have been working with MGUs and reinsurers for over twenty years and quite simply, some are better to work with than others.  UME is a new MGU but I have worked closely with the people involved for that same twenty year period and I would highly recommend that you give UME the opportunity to quote your business.  They are very professional, knowledgeable and easy to work with.

Dan Riston, MCA Administrators

The staff at UME has provided a seamless transition from our previous MGU.   Transmitting information for group setup, claim filings, and other notifications is now a very simplistic process saving our company time and money.  UME’s reimbursement auditing and funding procedures have increased our client retention by efficiently turning around claims in a timely manner.  The staff is always very friendly, helpful, and informative.

Mike Kahoe, GMS

We have been fortunate enough to have worked with Anne Marie and her team for over twenty years. While there are a number of reasons why we value our relationship, what we like most is that they treat us like a partner working together to support our clients and brokers. They offer a high level of professionalism and innovate solutions, especially when unique situations arise. Claim payments are paid in a timely manner, and the overall responsiveness to our phone calls, emails, and questions are a priority. If you’re looking for a MGU who is willing to treat you like a partner and provide a high level of service, UME will be the perfect fit.

Linie Humpal, The Benefit Group, Inc.

UME is one of the preeminent organizations WellNet has had the pleasure to work with. They have been instrumental in assisting WellNet grow its block of business and foster our broker relationships. UME differentiates themselves in the industry by thinking outside the box and getting it done when others don’t have a solution…

Jason Kovar

Executive Vice President – Head of Health Plans – WellNet


I have been working with MGUs and reinsurers for over twenty years and quite simply, some are better to work with than others.  UME is a new MGU but I have worked closely with the people involved for that same twenty year period and I would highly recommend that you give UME the opportunity to quote your business.  They are very professional, knowledgeable and easy to work with.

Dan Riston

MCA Administrators


The staff at UME has provided a seamless transition from our previous MGU.   Transmitting information for group setup, claim filings, and other notifications is now a very simplistic process saving our company time and money.  UME’s reimbursement auditing and funding procedures have increased our client retention by efficiently turning around claims in a timely manner.  The staff is always very friendly, helpful, and informative.

Mike Kahoe

GMS


We have been fortunate enough to have worked with Anne Marie and her team for over twenty years. While there are a number of reasons why we value our relationship, what we like most is that they treat us like a partner working together to support our clients and brokers. They offer a high level of professionalism and innovate solutions, especially when unique situations arise. Claim payments are paid in a timely manner, and the overall responsiveness to our phone calls, emails, and questions are a priority. If you’re looking for a MGU who is willing to treat you like a partner and provide a high level of service, UME will be the perfect fit.

Linie Humpal

The Benefit Group, Inc.

CONTACT US

900 Forty Foot Road

Lansdale, PA 19446

Telephone: +1 (855) 315-5088

Local Telephone: +1 (267) 519-1900

Fax: +1 (267) 263-2065

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    How To Reopen – Safely

    August 11, 2021|

     

    As workplaces are beginning to re-open, there are many concerns with how to keep things running smoothly and most importantly, safely. According to OSHA, basic hygiene, (e.g., hand hygiene, cleaning, and disinfection), social distancing, identification and isolation of sick employees, workplace controls and flexibilities, and employee training should act as guiding principles when developing and implementing strategies[i]. There is an overwhelming number of resources to help guide reopening decisions, so here is a breakdown of the basics.

     

    1. Implementing Telework & Staggered Returns: 

      When possible and feasible with business operations, consider telework. This will allow employers to stagger returns and allow at-risk employees to continue working at home. Telework can help implement limitations on the number of people in the workplace at a time, and make social distancing practices more feasible. Also, consider extending special accommodations to workers with household members at higher risk of severe illness [ii].

     

    1. Know Your People: 

      It is crucial to the reopening process to develop and implement policies and procedures that address preventing, monitoring for, and responding to any emergence or resurgence of COVID-19 in the workplace or community. Include self-monitoring practices and have employees check for symptoms before entering the workplace. Allow employees to get tested if they have fever, cough, aches, or sore throat. Having a company culture that promotes the well-being of employees and encourages those who are sick to stay home will be essential.

     

    1. Keep It Clean: 

      Hygiene is foundational to maintaining a safe workplace, including practices for hand hygiene, respiratory etiquette, cleaning, and disinfection[iii]. Determine what needs to be cleaned vs. disinfected. Frequently touched surfaces and objects should be disinfected using a product from the EPA List of approved disinfectants for Coronavirus (Click Here For the Full List). Routine cleaning and disinfecting are an important part of reducing the risk of exposure to COVID-19[iv]. If those products are not available, properly diluted bleach solutions could be an effective alternative.

     

    1. Space It Out (Give It Some Space): 

      As a guiding principle, employees should be social distancing. This could include practices that maximize and maintain a distance between all people, including workers, customers, and visitors to reduce the spread of COVID-19 [v].

     

    1. Make a Plan and Stick To It: 

      Make sure people are working together so that problems can be anticipated and solved. Remember to think in terms of risk, keep transparent communication with employees, and stay positive[vi]!

     

    In summary, the CDC advises individuals to practice social distancing where needed, wear facial coverings if unvaccinated, and follow proper prevention hygiene, such as washing hands frequently and using alcohol-based (at least 60% alcohol) hand sanitizer when soap and water are not available[vii]. Check out this quick video from Forbes for more details on “How To Reopen Your Business Or Office Safely”, Click Here for more information.

     

    [i] (Occupational Safety and Health Administration (OSHA), 2020)

    [ii] (Occupational Safety and Health Administration (OSHA), 2020)

    [iii] (Occupational Safety and Health Administration (OSHA), 2020)

    [iv] (Centers for Disease Control & Prevention (CDC), 2021)

    [v] (Centers for Disease Control & Prevention (CDC), 2021)

    [vi] (Forbes, 2020)

    [vii] (Centers for Disease Control & Prevention (CDC), 2021)

    OTHER NEWS

    SOLUTIONS

    Underwriting Management Experts (UME), is a full service MGU.

    We provide flexible, innovative stop-loss, captives and life products that meet the unique needs of our partners. UME offers professional expertise, personalized service and creative solutions to an ever-changing marketplace.  UME is a managing general underwriter of employer stop-loss coverage. We provide a full range of services including underwriting, policy binding, contract issuance, premium collection and claims payment. We also offer captive solutions and student medical.

      CLAIMS

    UME’s claims department is equipped to handle your claims in a timely manner.
    Our staff has experience covering all lines of health insurance including Medical, Dental, STD and LTD. We are devoted to creating and maintaining a solid working relationship with our partners.
    Our focus at UME is to maintain our outstanding performance in serving our clients.
    Our underwriting team’s high level of expertise is attributable to 50+ years of experience. We continue to develop products and solutions to fit the changing needs of our clients. We currently offer traditional stop-loss, aggregate only, captives, student medical and a maximum advantage plan.
    We take our partnerships very seriously, so there are a few things you need to know about appointment and licensing with UME.
    All brokers and Third Party Administrators are required to be appointed by our carrier(s) for the states in which the groups are located. This includes all entities or individuals who receive commissions or sell/assist with any contracts underwritten by UME.
    In addition to our other insurance products, UME offers captives, a unique and innovative insurance solution.
    They are a great option for many, so we encourage you to contact us about them today!

     PREMIUMS

    As a part of our commitment to you, our client, we strive to make our premium submission process as painless as possible.
    If you have any questions or concerns about the policies outlined below, we are always here to speak with you one-on-one and give you the personalized service that you need!

    WHO WE ARE

    UME is known for its excellent customer service and responsiveness. We are flexible and accommodating, and our main goal is to meet the needs of our partners.

    Hello! My name is Anne Marie Chapman. I am the Managing Principal of Underwriting Management Experts. I have been working in the insurance industry since 1990, developing products and services that will best meet the needs of a rapidly changing marketplace. Through my years of experience, I have gained an extensive knowledge of stop-loss, captives, and all things related to self-funded plans. I have met many wonderful partners that I can now call my friends. I am thrilled to lead such a talented team and look forward to UME’s continued growth and success. Please do not hesitate to call or email me directly with any questions or concerns you may have.
    MEET THE TEAM

    900 Forty Foot Road

    Lansdale, PA 19446

    Telephone:+1 (855) 315-5088

    Local Telephone: +1 (267) 519-1900

    Fax: +1 (267) 263-2065

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