Joel Ray

Life is unpredictable. Control what you can.

I just turned 64 and for the second time in my life (the first was immediately after 9/11) I fear for the safety and security of my family. Building a bunker and stocking it with rations isn’t an option because I’m an optimistic guy and believe our nation and the world will overcome the madness. However, it doesn’t hurt to be prepared in the event one of the bad guys steals my identity, I’m in the wrong place at the wrong time like what happened recently in Paris or San Bernardino, or I’m stranded on the side of a busy freeway or country road in a motor vehicle with a dead battery, flat tire or needing a tow.

According to Richard Clarke, former National Coordinator for Security, Infrastructure Protection, and Counter-terrorism for the United States, 80% of Americans have already had their identity compromised. As a result, millions of Americans complain to the Federal Trade Commission each year about their identity being stolen.

Since 2013, millions of taxpayers have lost refunds to identity thieves stealing their personal information and filing tax returns with the IRS before they did. Medical ID theft is becoming more of a target for identity thieves; and what chance do we have when major corporations, banks, insurance companies, the postal service, the federal government, and even the IRS have been successfully hacked by identity thieves and foreign governments?

The answer to this question of course is “no chance” so it seemed like the perfect time for New Benefits to develop a premium identity theft product. Because there are quite a few ID theft products in the marketplace, ours had to be the very best or we could simply continue offering products from other companies. As such, we spent almost two years developing ID Sanctuary Premium and are proud to announce it is immediately available to our Marketers for resale to their customers.

Rather than go through all the benefits of ID Sanctuary Premium in this blog, please go to for a full explanation of our identity theft, global travel assist, and roadside assistance package. It is by far the most complete safety, security and protection product in the marketplace today and is offered exclusively by New Benefits – a 25 year leader in the non-insured benefits industry with an A+ rating by the Better Business Bureau.

Unlike most, if not all, identity theft products offered as a voluntary benefit, ID Sanctuary can be co-branded, combined with other products, and is supported with videos, marketing materials and training. Additionally, this premium product can be purchased by brokers at wholesale rates which are typically less than half of what major brands are being sold for today. Therefore, it is not unusual for commissions on ID Sanctuary Premium to be double (around 60%) what they are from identity theft competitors.

Real Life Case: My daughter lives in Chicago with her husband and two month old daughter (our first grandchild). Her wallet was stolen from a purse hanging on the chair behind her back at a busy restaurant. Within 24 hours, the thief tried opening an account with T.J. Maxx but ID Sanctuary sent an email warning someone was attempting to open a credit line in her name and the account was not opened. However, several days later the thief successfully withdrew $5,000 from her savings account because the bank didn’t check for proper identification. The bank eventually replaced the $5,000 but not before a trained representative from ID Sanctuary intervened on my daughter’s behalf saving her from the time and aggravation of fighting with the bank making the mistake in the first place.

The fact is no person, product or company can guarantee your identity won’t be stolen, you won’t be in the wrong place at the wrong time, or stranded on a busy highway or deserted road. However, for a few dollars a month, ID Sanctuary Premium can provide peace of mind to your customers knowing that if something bad happens, there are trained professionals standing by to help. Purchasing ID Sanctuary is like locking the door of your home and setting an alarm – you are much better protected by taking proactive steps to secure your property and wellbeing.

Please contact your account executive or me if you would like more information on how to get started.


Joel Ray, CEO of New Benefits

Joel Ray, CEO

800.800.8304 x 1615

Introducing the New Benefits eBook!


Our eBook captures the thoughts and opinions of senior leadership at New Benefits including CEO Joel Ray, COO Marti Powles, EVP of Global Sales Brian Latkowski and EVP Dulce Bozeman. This first issue is a collection of the blogs and infographics published here on from July through August 2014.

Created for our marketers and prospects, the blogs discuss current events and trends related to the non-insured benefits industry. Subscribe with your email address, so you’ll never miss out when a new blog is published. 

Telehealth – Is Now the Time?

Joel RayI wish every question in health care had such an easy answer. Consider this: An analyst with the market research firm IHS predicts the United States telehealth market will grow from $240 million today to $1.9 billion in 2018, an annual growth rate of 56%. There will never be a better time to get started if you haven’t already.

How can we compete with health plans like Aetna and United Health Care that are offering a telehealth product with their major medical plans?

I was asked this question the other day and responded by using Walmart coming into a new town as an example. A merchant can close up shop thinking it’s useless to try and compete with Walmart. Or, he can open up shop across the street knowing the increase in traffic will be good for business. While he might not be able to compete on price, he most assuredly can compete on service and convenience.

In other words, embrace the fact the “big boys” are getting into telehealth because it will expand the marketplace for all of us. The major health plans are promoting a $20 – $40 consult fee (or more) while a $0 consult fee will resonate with employees, promote utilization, and result in a healthier population.

High Deductibles And Provider Access

A recent survey conducted by The Kaiser Family Foundation found 37% of the respondents who purchased a health plan from the state or federal exchanges didn’t know the definition of a “deductible.” I’d like to be a fly on the wall when these people file a claim for the first time!

Additionally, provider access isn’t something you hear about much in the press, but you may soon since it’s becoming a major issue with health care companies.  My brother recently purchased a Blue Cross plan on the federal exchange (Texas hasn’t implemented a state exchange) and was told by the first five providers he called they weren’t taking new patients. While this is troubling for a number of reasons, it’s apparent telehealth is only going to become more important in the delivery of primary health care as more people buy health insurance on exchanges and discover fewer providers are available to treat them.

The Bottom Line

Give us 30 minutes and we will provide the talk track and tools to offer your customers and their employees a complete solution to complement any major medical plan including telehealth, health advocacy programs and wellness programs. Until next time…


Joel Ray


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