Here’s to a Fantastic 2021!
In years past, we use to send a monthly newsletter to inform our clients about different topics regarding their insurance coverages. In 2021, we are going to go back to this informational newsletter to help you, our valued clients understand their insurance coverages, investigate different insurance topics and answer questions you may have regarding your insurance coverages. We encourage you to contact us with insurance topics you wish to explore or ask us questions, so we can enhance your insurance experience with us.
Safe Winter Driving Tips
Winter driving is dangerous and can be terrifying, even for well-seasoned motorists. The American Automobile Association’s (AAA) Foundation for Traffic Safety says snow-covered roads – as well as roads coated with ice, slush or water – account for nearly 500,000 vehicle crashes and more than 2,000 road deaths each winter.
Winter driving is all about slowing down and taking it easy. Giving yourself plenty of time to get to your destination and keeping plenty of distance between you and the vehicles in front and to the side of your
vehicle. Be mindful to lower your speed to account for road conditions and your car’s poorer traction. A vehicle’s tires can easily slide on snow and ice making it necessary for you to gently press down on the brake pedal to stop. [Read More…]
How to Help Prevent Ice Dams
Take Action Before Snow Starts Falling
An ice dam may develop during the cold winter months if warm air from your home or attic melts snow on your roof. In freezing temperatures, the melted snow may refreeze once it reaches the colder edge of the roof. Keeping the temperature of your attic at 32°F or below can help prevent snow from melting and ice dams from developing. Read on to see what steps you should take to prevent ice dams. [Read More…]
Some things you need to know about Worker’s Compensation
A general rule of thumb: If you have employees, you are required to purchase Worker’s Compensation Insurance for your business.
Worker’s Compensation Insurance covers your business when an employee is injured on the job and it is required by law. This insurance provides coverage for an employee if he or she is injured on the job and provides medical expense coverage, disability, rehabilitation, life insurance, and lost wages. Worker’s Compensation coverage protects the employer as well as the employee. If an employee is injured on the job, Worker’s Compensation could be their only means of remuneration. Further, the employee cannot sue the employer for further damages, unless the employer was extremely negligent regarding the employee’s work safety. [Read More…]
Looking for group health insurance for your employees?
There are a lot of things to consider when choosing a health insurance plan for your small business. It’s never easy to find the perfect group health insurance plan for everyone’s needs and budget.
There are 5 questions all small business owners should ask when shopping for health insurance for their business. Read on to see if you can guess what these 5 important questions might be!
Here it comes again! Open Enrollment for the ACA!
President Biden has reopened the ACA to write new individual health insurance business from
February 15 to May 15th, 2021!
Great News! As of 2/15, we will be able to write individual health insurance without any Special Enrollment Period! This insurance is written without any health limitations.
What is the best timing for applying for Medicare?
You should contact Social Security Administration, or if you worked for the railroad, the Railroad Retirement Board, three months prior to returning to 65. There is a seven month period referred to as your initial enrollment. It means you have three months before your birthday, the month of your birthday and three months after your birthday to enroll.
Even if you plan to continue working beyond 65, you should sign up for Medicare Part A. If you continue to work past age 65, you have group health insurance through your or your spouse’s employer, you may not want to sign up for Part B. When you stop working, or your health insurance ends – you want to enroll in Medicare Part B. You will not be subject to a late enrollment penalty, if you enroll within eight months of ending your active employment.
Call Marie at 603-437-1992 for more information regarding your Medicare options.
Is Dental Insurance really worth it?
Major dental work can be very expensive. As if the visit to the dentist isn’t already painful enough, a typical root canal will cost you somewhere around $1,200. You are not done yet … now you need a crown to cover the root canal costing around another $1000!
You will likely be responsible for at least 50 percent of the bill up front for major procedures plus any remaining costs after you exceed the plan’s annual benefit limit. This can be hard to swallow and you are thinking let’s just cancel this dental insurance! But wait major dental expenses are only half of the story. [Read More…]