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July 2010

CaptiveRISK

A group activity

A new healthcare law in the USA could spark the growth of employee
benefit captives, says Helen Yates.

Captives have been used to insure or reinsure employee benefit
programmes, including life, disability, pension and medical covers,
since 2000. While there has been steady growth and a great deal of
attention paid to this burgeoning class of business, it has yet to
really take off. Unsurprisingly, it is in the USA, home to many of the
world’s largest employers and some of the most expensive and
volatile benefits – particularly healthcare – where captives catering
to employee benefits have developed the most.

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