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The Journal of Total Rewards Third Quarter 2025 | Volume 34 | No. 3 Research shows how an effective rewards system can ensure your organization is getting optimal employee performance.

Jumbo Claims Drive Up Stop-Loss Costs Advances in medical technology and treatment options , as well as the continued pervasiveness of costly conditions, are moving health costs and medical claims higher — which, in turn, is ramping up stop-loss premiums, a trend observed on multiple fronts: ;Employers saw a 29% increase in claims for $1 million or more per million covered employees in 2024 compared to the year before — and a 47% increase in claims totaling $3 million or more, according to financial services company Sun Life.; ;2025 stop-loss rate renewal increases through Voya Financial were double the amount of 2024 increases, with the company citing a spike in the number of claims in the prior year.; ;There was a 9.4% increase in average stop-loss premiums in 2024 among health plans tracked by Segal, with that increase rising to 11.5% for employers maintaining comparable coverage to the prior year as opposed to adjusting their coverage to reduce premium costs.; The

. ($976.50 USD per course) Add to Cart COURSE (1 OF 8) Creating Impact Through Total Rewards View Details COURSE (2 OF 8) Understanding the Total Rewards Regulatory Landscape View Details COURSE (3 OF 8) Designing and Managing Base Pay Systems View Details COURSE (4 OF 8) Improving Performance with Variable Pay View Details COURSE (5 OF 8) Market Pricing and Competitive Pay Analysis View Details COURSE (6 OF 8) Compensation Analytics and Insights View Details COURSE (7 OF 8) Finance and Accounting Applications for Total Rewards

. ($1,116 USD per course) Add to Cart COURSE (1 OF 4) Creating Impact Through Total Rewards View Details COURSE (2 OF 4) Understanding the Total Rewards Regulatory Landscape View Details COURSE (3 OF 4) Designing and Managing Base Pay Systems View Details COURSE (4 OF 4) Improving Performance with Variable Pay View Details Policies View our Return/Cancellation policies and more  here .

The top three reasons why you should engage with your local affiliate: 1) exchange of ideas and experiences with colleagues in your area, 2) strengthen your expertise in seminars, training and events held near you, and 3) further develop your career through new professional connections.

.; 3) How will partners contribute across the value chain?

Payscale recently found that while pay transparency decreases employees’ intent to quit by 30% when analyzed in isolation, it surprisingly increases job-seeking behavior for Generation Z by 3%.

Improving the ROI on their TR spend — using more sophisticated data and analytics to ensure that TR budgets are deployed in a manner that maximizes employee value, appreciation and productivity. 3.

The four-person commission voted 3-1 last month to issue the proposal, which is currently going through 60 days of public comment.