Status: U Return-Path: Received: from noehlo.host ([127.0.0.1]) by mx-taint.atl.sa.earthlink.net (EarthLink SMTP Server) with SMTP id 1j4jRu3vb3Nl36L0; Mon, 17 Dec 2007 12:34:40 -0500 (EST) Received: from wsmarth-goshawk.pas.sa.earthlink.net ([207.217.120.227]) by mx-taint.atl.sa.earthlink.net (EarthLink SMTP Server) with ESMTP id 1j4jRt1Di3Nl36L0 for ; Mon, 17 Dec 2007 12:34:39 -0500 (EST) Received: from domrl-brush.atl.sa.earthlink.net ([207.69.231.198]) by wsmarth-goshawk.pas.sa.earthlink.net with smtp (Exim 3.36 #4) id 1J4JrT-0002wD-00 for merileek@earthlink.net; Mon, 17 Dec 2007 09:34:39 -0800 X-ELNK-Loop: merilee@kerncommunications.com Received: from dukecmmtar01.coxmail.com ([68.99.120.48]) by domrl-brush.atl.sa.earthlink.net (EarthLink SMTP Server) with ESMTP id 1j4jRc2mN3Nl5vE0 for ; Mon, 17 Dec 2007 12:34:22 -0500 (EST) Received: from MERILEEMAIN ([68.15.13.44]) by dukecmmtar01.coxmail.com (InterMail vM.6.01.06.01 201-2131-130-101-20060113) with SMTP id <20071217173422.TYYG26830.dukecmmtar01.coxmail.com@MERILEEMAIN>; Mon, 17 Dec 2007 12:34:22 -0500 Message-ID: <02e201c840d3$1e1292f0$0201a8c0@MERILEEMAIN> Reply-To: "Merilee:::Kern Communications" From: "Merilee:::Kern Communications" To: "Merilee:::Kern Communications" , Subject: Miami Herald story Date: Mon, 17 Dec 2007 09:34:45 -0800 Organization: Kern Communications MIME-Version: 1.0 Content-Type: multipart/related; type="multipart/alternative"; boundary="----=_NextPart_000_02DE_01C84090.0F88C8F0" X-Priority: 3 X-MSMail-Priority: Normal X-Mailer: Microsoft Outlook Express 6.00.2900.3138 X-MimeOLE: Produced By Microsoft MimeOLE V6.00.2900.3198 X-ELNK-AV: 0 X-ELNK-Info: sbv=0; sbrc=.0; sbf=00; sbw=010; This is a multi-part message in MIME format. ------=_NextPart_000_02DE_01C84090.0F88C8F0 Content-Type: multipart/alternative; boundary="----=_NextPart_001_02DF_01C84090.0F88C8F0" ------=_NextPart_001_02DF_01C84090.0F88C8F0 Content-Type: text/plain; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable http://www.miamiherald.com/business/story/336889.html Pet benefits on the rise Posted on Mon, Dec. 10, 2007 BY MONICA HATCHER mhatcher@MiamiHerald.com Dogs and cats are often another beloved family member -- the replacement = children for empty nesters, the substitute kids for young couples and = singles. Now you just might be able to add Spot onto your health = insurance plan. Several South Florida companies have begun offering pet health insurance = in their voluntary benefit plans, including Office Depot, Terremark = Worldwide and Doormark, a small company that manufactures cabinetry = doors in Deerfield Beach. Others around the state make discounts = available for sitting services or allow owners to bring pets to work for = emergencies or special occasions like ``Take Your Dog to Work Day.'' Bill Gorman, group sales manager for Veterinary Pet Insurance, one of = the country's largest pet insurers, said group sales had grown from 15 = to more than 1,600 corporate accounts in the past decade. Business is = also growing for VPI's largest competitor, Pethealth, a publicly traded = company based in Canada, whose insurance revenue rose to $4.3 million in = the third quarter, up 13 percent from the year before. HUGE POTENTIAL There's plenty of room for growth. Only 2 percent of some 150 million = companion dogs and cats in North America are insured, according to = Pethealth. Gorman, whose privately-held company has 375,000 insurance = customers and pays about a million claims a year, puts the number closer = to 1 percent. ''Employers are looking for more voluntary benefits; part of that has to = do with the rising medical costs,'' Gorman said. As employers passed on more healthcare costs to employees, they also = sought ways to soften the blow. In addition, he said, additional = benefits help employers compete for top talent. Terremark benefits administrator Carolina Suarez said the IT services = company tries to offer new perks each year to its employees. After = hearing complaints from pet lovers about the high cost of veterinary = care two years ago, she began researching pet insurance. The last time = she checked, at least 30 percent of employees had signed up. GROUP SAVINGS Terremark is a customer of VPI, which offers group discounts of about 5 = percent on premiums. With VPI, employees pay premiums of between $8 and = $30 a month and a $50 deductible. The insurance pays for 90 percent of expenses according to a fee = schedule, up to $14,000. Differing from human health insurance, = beneficiaries pay out of pocket for care and are reimbursed. Similar to = human health insurance, pet care doesn't cover preexisting conditions. JR Mencarelli, human resources director for Doormark, said the cabinet = door maker began offering pet benefits about four years ago. He has = personally taken advantage of the insurance, which he said recently = saved him thousands of dollars he would have paid for his Papillon to = have bladder stones removed. ''I know it's important to me and my pet, and it was important to offer = it to employees,'' Mencarelli said. ``And it doesn't cost the company = anything.'' Office Depot, which also offers VPI, provides payroll deductions for the = benefit. Melissa Perlman, a spokeswoman for Office Depot, said it = demonstrated the company's commitment to helping its associates balance = and blend working and living, or work-life issues. That may be the biggest help to employees, since companies aren't = spending much money on pet benefits themselves. Even though Americans = will dish out more than $40 billion this year on products, care and = kenneling, only 1 percent of companies, for instance, pay for pet = sitting when employees have to leave town for work, according to a 2007 = benefits survey for the Society for Human Resource Management. PET-FRIENDLY OFFICES That same survey said about 6 percent of companies allowed employees to = bring their pets to the workplace -- another no-cost or low-cost = benefit. Sarasota Memorial Health Care System advertises pet sitting through a = company called FETCH! Employees get a 5 percent discount from the = franchise for their first service visit. Liz Parnes, who lives in Coral Gables and uses FETCH! pet home stay = service when she leaves town, said she successfully asked her employer, = IKON Office Solutions, to let employees know about the service. Her = standard poodle, named Max, is almost like a child to her, she said. 'Employers are looking for things to make employees' family life balance = with their work life. If it's work that requires extensive travel and = they have child-care facilities, why wouldn't they offer a pet-care = opportunity also?'' Parnes said. ------=_NextPart_001_02DF_01C84090.0F88C8F0 Content-Type: text/html; charset="iso-8859-1" Content-Transfer-Encoding: quoted-printable
http://www= .miamiherald.com/business/story/336889.html
 

Pet benefits on the rise

Posted on Mon, Dec. 10, 2007

BY MONICA HATCHER

mhatcher@MiamiHerald.com

Dogs and cats are often another beloved family member -- the = replacement=20 children for empty nesters, the substitute kids for young couples and = singles.=20 Now you just might be able to add Spot onto your health insurance = plan.

Several South Florida companies have begun offering pet health = insurance in=20 their voluntary benefit plans, including Office Depot, Terremark = Worldwide and=20 Doormark, a small company that manufactures cabinetry doors in Deerfield = Beach.=20 Others around the state make discounts available for sitting services or = allow=20 owners to bring pets to work for emergencies or special occasions like = ``Take=20 Your Dog to Work Day.''

Bill Gorman, group sales manager for Veterinary Pet Insurance, one of = the=20 country's largest pet insurers, said group sales had grown from 15 to = more than=20 1,600 corporate accounts in the past decade. Business is also growing = for VPI's=20 largest competitor, Pethealth, a publicly traded company based in = Canada, whose=20 insurance revenue rose to $4.3 million in the third quarter, up 13 = percent from=20 the year before.

HUGE POTENTIAL

There's plenty of room for growth. Only 2 percent of some 150 million = companion dogs and cats in North America are insured, according to = Pethealth.=20 Gorman, whose privately-held company has 375,000 insurance customers and = pays=20 about a million claims a year, puts the number closer to 1 percent.

''Employers are looking for more voluntary benefits; part of that has = to do=20 with the rising medical costs,'' Gorman said.

As employers passed on more healthcare costs to employees, they also = sought=20 ways to soften the blow. In addition, he said, additional benefits help=20 employers compete for top talent.

Terremark benefits administrator Carolina Suarez said the IT services = company=20 tries to offer new perks each year to its employees. After hearing = complaints=20 from pet lovers about the high cost of veterinary care two years ago, = she began=20 researching pet insurance. The last time she checked, at least 30 = percent of=20 employees had signed up.

GROUP SAVINGS

Terremark is a customer of VPI, which offers group discounts of about = 5=20 percent on premiums. With VPI, employees pay premiums of between $8 and = $30 a=20 month and a $50 deductible.

The insurance pays for 90 percent of expenses according to a fee = schedule, up=20 to $14,000. Differing from human health insurance, beneficiaries pay out = of=20 pocket for care and are reimbursed. Similar to human health insurance, = pet care=20 doesn't cover preexisting conditions.

JR Mencarelli, human resources director for Doormark, said the = cabinet door=20 maker began offering pet benefits about four years ago. He has = personally taken=20 advantage of the insurance, which he said recently saved him thousands = of=20 dollars he would have paid for his Papillon to have bladder stones = removed.

''I know it's important to me and my pet, and it was important to = offer it to=20 employees,'' Mencarelli said. ``And it doesn't cost the company = anything.''

Office Depot, which also offers VPI, provides payroll deductions for = the=20 benefit. Melissa Perlman, a spokeswoman for Office Depot, said it = demonstrated=20 the company's commitment to helping its associates balance and blend = working and=20 living, or work-life issues.

That may be the biggest help to employees, since companies aren't = spending=20 much money on pet benefits themselves. Even though Americans will dish = out more=20 than $40 billion this year on products, care and kenneling, only 1 = percent of=20 companies, for instance, pay for pet sitting when employees have to = leave town=20 for work, according to a 2007 benefits survey for the Society for Human = Resource=20 Management.

PET-FRIENDLY OFFICES

That same survey said about 6 percent of companies allowed employees = to bring=20 their pets to the workplace -- another no-cost or low-cost benefit.

Sarasota Memorial Health Care System advertises = pet=20 sitting through a company called FETCH! Employees get a 5 percent = discount from=20 the franchise for their first service visit.

Liz Parnes, who lives in Coral Gables and uses = FETCH! pet=20 home stay service when she leaves town, said she successfully asked her=20 employer, IKON Office Solutions, to let employees know about the = service. Her=20 standard poodle, named Max, is almost like a child to her, she = said.

'Employers are looking for things to make = employees'=20 family life balance with their work life. If it's work that requires = extensive=20 travel and they have child-care facilities, why wouldn't they offer a = pet-care=20 opportunity also?'' Parnes said.

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