Life and Health Insurance Advisor – Summer 2019

The Likelihood of Medicare for All

calculatorAfter passing the Affordable Care Act in 2010 and watching Republicans begin to dismantle it in 2017, many Democrats now are proposing Medicare for All.
Read on for details.
 
 

How to be a Caregiver Without Taking a Major Financial Hit

men walking on pathCaregivers can be life savers by taking care of people who cannot care for themselves. However, caregivers must also take care of themselves – particularly their finances.
Read on for details.
 

The Importance of Life Insurance at Any Age

hands holding heartHave you ever wondered what the perfect age is for purchasing life insurance? Here’s a hint – right now! Here’s why:
Read on for details.
 
 

When Euthanasia and Life Insurance Intersect

If a terminally ill person decides on euthanasia, will their life insurance deny their beneficiaries the life insurance money?
Read on for details.

Employee Benefits Report – April 2019

How Employer-Sponsored Dental Insurance Supports Employees’ Overall Health

little girl at dentist
Employer-sponsored dental insurance can play an integral part in your employees’ health.
Read on for details.
 
 

Unlimited Vacation – Good Idea? or Too Many Headaches?

woman on tropical beachWho wouldn’t want unlimited vacation time? Here are a few advantages, as well as pitfalls.
Read on for details.
 
 
 

Advantages and Disadvantages of the Emerging Telehealth Trend

dr on computer screenTelehealth/telemedicine is being touted as a great innovation — the ability to talk to a provider anytime of the day from home for little or no cost. There are advantages and disadvantages.
Read on for details.
 
 

The Advantages of a 457 Retirement Plan

You and your employees might qualify for 457 retirement plans if you work for a state or local government or for certain tax-exempt organizations such as a charities, hospitals or unions.
Read on for details.

Personal Lines – Spring 2019

Auto Insurance Policy Changes You Should Know About

insurance policy papersIncluding updates on flying cars, key fobs and pet injury coverage.
Read on for details.

Dr. Risk Management says, “Get an Insurance Checkup”

insurance checklistIt’s good for your financial health because having too little — or too much insurance — can cost you money. A regular insurance checkup can help ensure you have the amount and type of coverage you need. Read on for details.

How Does Green Construction Affect Insurance Costs?

grass houseIn the next three years developers expect 60 percent of their projects will be Green.
Read on for details.

Benefits of Green Construction

Siting and design efficiency — the goal is to minimize impact in terms of a building’s location and the surrounding environment.
Read on for details.

Life and Health Insurance Advisor – Spring 2019

9 Proactive Techniques to Improve Your Workers’ Comp Program and Save Money

arm in a braceYour agent is an excellent resource for ensuring you’re ready when an accident happens — and it doesn’t cost more than necessary.
Read on for details.
 
 

What Is Integrated Disability?

people shaking handsWith companies like MetLife and Travelers working together to create programs such as their trademarked Synchrony, the concept of integrated disability is gaining wider acceptance, though there are still hurdles.
Read on for details.
 

Workplace Injuries — What Are the Odds?

woman walking through airportOdds are workplace injuries won’t happen — yet they do. The odds can be lowered considerably by taking control of the work environment and ensuring employees perform the job the right way.
Read on for details.
 

Meet Your Insurance Professional: Claims Examiner

Workers’ compensation insurers and some self-insured employers have employees who examine claims after they are submitted for payment.
Read on for details.

Employee Benefits Report – January 2019

How to Maximize 401(k) Limits and Savings Strategies

401(k) form
Your employees will be able to save more money in their 401(k) retirement accounts this year. The big question, though, is should they save the annual maximum?
Read on for details.

When it Pays for an Employer to be a Life Insurance Beneficiary

paper family under umbrellaWould your business take a financial hit if a key employee passed away? It’s a concern for many employers.
Read on for details.

What to Expect From the ACA in 2019

ACA signThe only thing certain about the Affordable Care Act (ACA) is change. And with a new year comes new compliance deadlines and proposed new rules and regulations. The Trump Administration has signaled its intent to propose legislation to again alter the ACA.
Read on for details.

New AHP Resources Now Available

Employers interested in forming Association Health Plans (AHP) to purchase health care benefits for their employees have a resource to help with federal regulations and guidelines.
Read on for details.

Personal Lines – Winter 2018

What Do You Mean That’s Not Covered?

person holding houseJust because something is in your home doesn’t necessarily mean it’s covered by your homeowners policy.
Read on for details.

What Happens if I have a Homeowners Claim?

penguins in flooded kitchenAfter a disaster, you want to get back to normal as soon as possible, and your insurance company wants that too! Read on for details.

Insuring Motorcycles…and their Drivers

man riding motorcycleAs with cars, states require motorcycle owners to buy a minimum amount of liability coverage.
Read on for details.

Alternatives to Insurance for Home Electrical and Mechanical Systems Losses

One thing you can (and should) do to reduce potential losses to these systems is to take good care of them by:
Read on for details.

Life and Health Insurance Advisor – November 2018

Keeping Up with Medicare Changes

medicare puzzle pieceHere’s what you need to know for 2019.
Read on for details.
 
 
 
 

Individual ACA Rates are Going Up, Up, Up — Here’s Why

increasing coin stacksSome areas could see rate increases up to 98 percent
Read on for details.
 
 
 
 

Q&A: How to Add an Indexed Universal Life Policy to Your Retirement Portfolio

retirement plan notebookHow life Insurance can be an important part of your retirement plan.
Read on for details.
 
 
 

The Surprising Penalties of Genetic Testing

Personal DNA testing kits are all the rage.
Read on for details.

Employee Benefits Report – October 2018

New Rule Increases Small Groups Insurance Buying Power

man counting money
If you own a small company, you know the frustration of not having the same buying power as large groups when purchasing health benefit coverage.
Read on for details.
 

The New Frontier of Student Loan Repayment Benefits

mortarboard with moneyStudent loan debt is soaring. The Federal Reserve reports that more than 44 million people owe $1.5 trillion in student loans. Loan amounts average $37,172, although some go as high as $100,000 or more.
Read on for details.

ERISA Q&A: What You Need to Know

piggy bankIf you currently offer, or are planning to offer your employees retirement benefits, make sure you’re familiar with ERISA rules and regulations.
Read on for details.

 

Getting the Most Out of an HSA

Employers are increasingly relying on high-deductible health benefit plans to reduce premium costs.
Read on for details.

Personal Lines – Fall 2018

Hot-Car Deaths on the Rise

baby in carseatSince 1990, 800 children have died in hot cars. A combination of education, technology and legislation could help prevent these tragedies from happening in the future.
Read on for details.
 

How to Make an Insurance Claim

tabletWe hope it never happens, but when you suffer a loss, you’ll have to file a claim to receive payment from your insurer. Here’s how the process works, and how to handle it to your best advantage. Read on for details.
 
 

Is Your Home Ready for Windstorm Season?

fallen treeHurricane activity peaks in the fall, but severe windstorms can occur at any time of year. The following pointers can help you protect your property.
Read on for details.
 
 

What Is a Mortgage or Lenders Loss Payable Endorsement?

When you buy property, such as a home (real property) or a car (personal property), and make payments on it, the party that lent you the money to buy it will need a way to protect its financial interest. To do this they will require you to add to your home or auto insurance policy a Mortgage or a Lenders Loss Payable endorsement. Read on for details.

Life & Health Insurance Advisor – Fall 2018

Getting Ahead of the Curve: Planning Now for Social Security Deficiencies

social security cardIf you’re like most people, Social Security will provide 40 percent of your income during retirement. Unfortunately, without changes, the federal government may not have enough money in 16 years to fully fund the program.
Read on for details.

The State of Medicare: 2018 and 2026

torn dollar billMedicare, like the federal government’s Social Security program, is on track to eventually run out of funds to pay the entire amount of claims made.
Read on for details.
 
 

Insurance That Goes Beyond Health Benefit Coverage

hospital roomHealth Insurance will not always protect you from financial devastation if you suffer from a critical illness.
Read on for details.
 
 
 

Too Much Blue Light? Filtering Lenses May be the Answer

Do you spend a lot of time working on a computer or looking at your smartphone? If so, are your eyes bothering you? Are you having difficulty sleeping?
Read on for details.

Employee Benefits Report – July 2018

Is Your Company’s Retirement Plan Safe from Hacking?

hacked computer
Many employees rely heavily on the money they put into their employer-sponsored 401(k) account to pay for their retirement. The last thing they want is for the money to be stolen by cyber thieves.
Read on for details.

Answering Your Employee’s Questions About Enrolling in Medicare

chalkboardWorking past age 65 is no longer uncommon. According to the U.S. Jobs report, almost 19 percent of people 65 or older worked at least part-time in the second quarter of 2017.
Read on for details.
 
 

What You Need to Know About Group Life Insurance

umbrellaEmployer sponsored life insurance is the way most Americans receive coverage. There are important decisions to make when offering coverage to employees.
Read on for details.
 
 

HSAs — Good for More Than Just Paying Medical Expenses

Your employees can enjoy the benefit of paying their long-term-care insurance premiums tax free — if you offer a Health Savings Account (HSA).
Read on for details.

Personal Lines – Summer 2018

9 Tips for Hiring a Home Repair Contractor

phoneDue diligence before you hire a contractor can save you time and money in the long run.
Read on for details.

Are Your Jewelry Items Insured for Their True Value?

cashDid you think your jewelry was covered under your homeowner’s policy? Read on for details.

How to Avoid Becoming a Fake Accident Victim

framesAuto accidents cost hundreds of billions of dollars each year and in some places, like New York City and Los Angeles, nearly one out of three accidents may not be an “accident” at all, according to the National Insurance Crime Bureau (NICB).
Read on for details.

How to Protect Your Home-Based Business

Most homeowner’s policies exclude claims resulting from “business pursuits.”
Read on for details.