Alliant Broker Timothy Ayala Recognized as a 2019 Employee Benefits Power Broker
Timothy Ayala, First Vice President, Alliant Insurance Services
Three tribal governments represented by Timothy Ayala of Alliant Insurance Services faced soaring premiums, so he proposed shifting from fully insured to self-funded health care programs to supplement the nominal health insurance the federal government is required to provide.
This proposal promised big risks, big rewards and big hurdles, said Dan Taylor, director of finance, Pechanga Tribal Government. Native Americans are not the easiest groups to insure, he said, because as a group, they face a number of chronic health risks, and unlike conventional employee groups, members never retire and often live well into their 90s.
“Most brokers couldn’t bring in a single carrier, let alone alternatives,” Taylor said, but Ayala’s “knowledge and experience and connections brought competitive bids in many types of plans,” including solutions available only to tribes that a less-immersed broker wouldn’t know about.
In 2018, Ayala helped advance high-dollar CHEF (Catastrophic Health Emergency Fund) cases that the federal government tried to deny in the hopes another insurer would pay, said Randy Bachman, tribal finance, Redding Rancheria.
“That takes knowing how the system works and willingness to do battle and stick up for [the] rights of clients,” he said. “Bringing the tribal council to a consensus was challenging,” said a human resources director.
A Risk & Insurance Power Broker® is an individual who stands out among their peers for the exceptional client work they delivered over the past year. While brokers play many key roles in the insurance industry and risk profession, a Power Broker® award recognizes problem solving, customer service and industry knowledge.
Our goal is to broadly recognize and promote outstanding risk management and customer service among the brokerage community.
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Power Brokers are selected by Risk Managers based on the strength of the testimonials they provide to a team of 15 Risk & Insurance editors and writers.