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Where Does Worker’s Compensation Insurance Come From?

Workers compensation insurance is a federally mandated, state-regulated insurance program that protects your business if an employee gets injured or becomes ill as a result of work-related activities. It is intended to help workers get back on their feet and back to work by providing benefits to employees including paying medical bills, covering lost wages, rehabilitation, retraining, and more. But where did it come from? Who started the idea of having workers compensation and why has it become such a necessity in the American workplace? Workers compensation actually began way back in [...]

2018-12-10T14:51:47+00:00November 24th, 2018|

3 Unlikely People that Need a Personal Umbrella Policy

One of the most common myths of personal umbrella insurance is that it is only for the wealthy. This couldn’t be further from the truth. Of course, an individual with more wealth could have more risk which requires more comprehensive insurance, however, that doesn’t mean that someone with less wealth doesn’t have risk as well. Umbrella insurance policies help to protect you from liability issues that go beyond the liability limits of standard insurance policies. This type of insurance can help to provide coverage for false arrest, libel, slander, invasion of privacy, [...]

2021-07-28T15:41:55+00:00November 17th, 2018|

15 Answers to Health Insurance

What are ancillary benefits? Ancillary benefits, also called supplemental benefits, are benefits that are not part of your core health insurance. Benefits like dental, vision, disability, life, accident, critical illness, and others. These benefits are dental, vision, disability, life, accident, critical illness, and others. These benefits can be contributory or voluntary. Who pays for ancillary benefits? There are two versions of ancillary benefits – voluntary and contributory. Voluntary benefits are offered by an employer and paid for entirely by the employee. With contributory benefits, the costs are shared between employee and employer. [...]

2021-07-28T15:46:13+00:00November 6th, 2018|

Halloween Safety Tips

Halloween is upon us and it is an exciting time for children and adults alike! From pumpkin patches to haunted houses to cider mills there is so much to do and the main event for many kids every year is trick or treating. Trick or treating can be a great time for kids but for adults, safety is a top concern. According to the National Safety Council children are more than twice as likely to be hit by a car and injured or worse on Halloween than any other day of the [...]

2018-12-10T14:51:30+00:00October 25th, 2018|

Medicare 101 With Rachelle

Original Medicare, Part A, and Part B is a government health insurance program for those who qualify by age or disability. Part A is hospital insurance and Part B is medical insurance. There are some out-of-pocket costs associated with Original Medicare, such as deductibles, coinsurance, and copayments. To help with those costs, there are two commonly used options used to supplement or replace Original Medicare and both are offered by private insurance companies. These plans have significant differences with regard to costs, benefits, and how they work. It is very important to [...]

2021-07-28T15:47:46+00:00October 22nd, 2018|

Long Term Care Insurance

What is long-term care insurance? Long-term care insurance is different than traditional health insurance. This type of insurance is designed to help pay for personal care services in a variety of settings, including your home, day service centers, hospice care, assisted living facilities, nursing homes, and others. Coverage costs and benefits vary based on your needs. Why do you need long-term care insurance? Currently, the average long-term care claim is nearly three years – costs can quickly run into the hundreds of thousands of dollars. The costs for home health care or [...]

2022-04-18T17:34:18+00:00October 18th, 2018|

Flood Insurance 101

Floods can come in quickly and leave damage and destruction when they leave. Many homeowners know that floods are a concern to have, especially if you live in a flood zone. However, many homeowners make the mistake of assuming that their homeowners insurance covers flood damage. Flood insurance is a separate product from homeowners insurance. Only a flood insurance policy will financially protect you from flood damage costs. Flood insurance is designed to provide an alternative to disaster assistance to meet the costs or repairing flood damage to buildings and their contents. [...]

2022-04-18T17:30:36+00:00October 11th, 2018|

Renters Insurance 101

Do you rent your home or apartment? Have you ever thought about what would happen if your home or apartment were to be broken into, damaged, or if someone were to injure themselves there? This is where renters insurance can be beneficial. Renters insurance is coverage for your personal property against damage or loss, not only where you rent, but also while you travel. It insures you if someone’s injured while they’re on your property and insures you elsewhere while you engage in daily activities. Renters insurance can cover medical payments for [...]

2018-12-10T14:53:45+00:00October 4th, 2018|

Life Insurance & Business Owners?

When you think about life insurance you probably think about life insurance to cover your debt, income, children’s education, or funeral costs. However there is another aspect to life insurance that most people do not consider, that is how life insurance comes into play as a business owner and why it is so important for business owners to have life insurance. Whether you built your business from the ground up or inherited it from previous generations, you work hard to maintain the dream that is your business. You likely have employees, family [...]

2018-12-10T14:54:09+00:00September 25th, 2018|

Health Insurance Open Enrollment

OPEN ENROLLMENT It is that time of year again. Open enrollment is right around the corner and you may be starting to think about health insurance coverage and what that means for you, your business and your employees. Value of Offering Benefits to Your Employees Health insurance plans can be expensive, so why should you offer these benefits to your employees? Here are some important reasons. Offering health insurance benefits to your staff can help ensure a stable and motivated workforce and lower turnover rates. By investing in your employees and offering [...]

2022-09-20T14:42:27+00:00September 24th, 2018|
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