Would equipment breakdown break your small business?

In this technological age machine failure could cripple your productivity.

If you are a small business owner, you likely already know that business insurance is the only way to protect your company from unforeseen tragedies. You have a business property protection policy to cover the office space, a business liability to protect your business if ever sued for causing harm to a person and/or damage to property, and if you have employees, a worker’s comp policy to prevent losses due to accidents that happen on the job. These are all great, and you should be able to rest easy at night knowing you have the basics covered.

If your small business revolves around technology, specialized equipment or machinery which enable your team to complete their daily work, you may be surprised to know that most basic business policies will not cover the time lost should such equipment fail.

Would a week without your process control technology destroy your production team? How about a few days without your printing press, or digital printer? [Keep reading…]

Still confused about the difference in Medicare Part A and Part B?

It’s Open Enrollment Season… Time to get the facts and Sign Up!

Medicare Part A

This insurance covers things like hospital stays, nursing facility care, hospice care and home health care. You usually don’t pay a monthly Premium for Medicare Part A if you paid Medicare taxes throughout your career. You can get premium-free Part A at 65 if:

You already receive benefits from Social Security or the Railroad Retirement Board.
Are eligible to get these benefits but haven’t filed for them yet.
You or your spouse had Medicare-covered government employment.

If you currently receive, or plan to enroll in a Medicare Advantage Plan, different rules may apply. Be sure to speak with your provider about any services or procedures needed, as your plan must give you at least the same coverage as Original Medicare.

Medicare Part B

If you are not yet getting benefits from Social Security at least 4 months before you turn 65, you’ll need to sign up with Social Security to get Part A and Part B. This insurance covers… [Read more…]

It's time to enroll. Call today for free consult!

It’s time to enroll. Call today for free consult!

FEMER: Durable Protection for The Entire Family

This FEMER is NOT the strongest bone in your body, but it is the strongest formula to keep you protected – long term.

You plan for everything. Your career, your family, your home expenses, your children and grandchildren – your future. It’s hard to imagine that your future may not include YOU. These unforeseen circumstances happen every day. If your family suddenly had to continue without you – could you say confidently that they have everything they need to live comfortably?

If you have considered a life insurance policy to help protect your loved-ones, then you are moving in the right direction. To figure out how much your family would require continuing to live the same lifestyle you all enjoy today, use the following formula to determine precisely what those needs would be.

Final Expense – The average funeral and burial costs range from $8,000 to $10,000 for the most basic services. Additionally, any outstanding credit card debt, and some types of loans may also need to be re-paid at that time. Without life insurance, your family would likely have to pay these expenses out of their own pocket.

[Read more…]

Will Your Test, Service or Items be Covered?

Managing Your Care Using Medicare Insurance

Open enrollment period is upon us, and so too are the questions about coverage. As consumers, it can be a challenge navigating the coverages and understanding what items are covered and those that are not. This can be especially confusing when it comes to testing and specialized services.

Medicare coverage for many tests, items and services depends on where you live. Certain items like: chemotherapy, cardiac rehab and disease screenings, glucose control protocols and annual wellness visits, will be covered no matter where you live, which is especially important to “snow birds” as they may seek services in more than one location within any given year. These and many more items may be covered in part, or whole, its’ important to check on your responsibility prior to receiving service.

For example, chemotherapy is covered under Medicare Part A and/or Medicare Part B. Part A covers hospital inpatients, and Part B covers hospital outpatients and patients in a doctor’s office or freestanding clinic. You pay a co-payment if you’re a hospital outpatient. You pay 20% of the Medicare-approved amount if… [Read more…]