Although prices for many fine arts and collectibles took a hit during the recession, your collection might be worth more than you realize. Does it have proper coverage? Continue reading “Insuring Art and Collectibles”
Tag: David Kulawiak
Keys to a Smooth Open Enrollment
Open enrollment can overwhelm even the most seasoned benefits manager. But the time when employees can make changes to their benefits plans doesn’t have to be a time of stress.
How to Pick the Right Insurance Health Plan
The ultimate purpose of health insurance is to offset potentially high medical expenses. Most people get health insurance through their employer, but if you don’t, your independent insurance agent can help you.
Continue reading “How to Pick the Right Insurance Health Plan”
Obesity and Life Insurance: Extra Pounds May Cost You More
Almost a third of Americans are obese, according to the Centers for Disease Control and Prevention. Obesity not only affects quality of life, but it also increases your risk of experiencing heart disease and diabetes, along with some types of cancers, and ultimately, early death.
Continue reading “Obesity and Life Insurance: Extra Pounds May Cost You More”
Accident Coverage: Helping Insureds Cope with the Unexpected
Many people think they’re most likely to get injured in a car accident or on the job. But home-related injuries cause nearly 20,000 deaths and 21 million medical visits each year. Unintentional home injuries cost Americans at least $222 billion per year in medical expenses, with an additional $165 billion in medical costs from injuries that possibly occurred in the home. Are your employees financially prepared for the toll an accidental injury can take?
Continue reading “Accident Coverage: Helping Insureds Cope with the Unexpected”
Horseplay: Who Pays When Someone Gets Hurt?
When horseplay occurs in a work environment, does workers’ compensation apply?
Generally, an injury must 1) occur in the course of employment and 2) arise out of the worker’s employment to be compensable. Merriam-Webster defines horseplay as “rough or loud play: energetic and noisy playful activity.”’ Most job descriptions don’t include play…so should employees receive workers’ compensation for injuries occurring due to recreational activities or horseplay? Continue reading “Horseplay: Who Pays When Someone Gets Hurt?”
Alternative Dispute Resolution and Your Legal Rights
How many times have you signed a contract that requires mediation or mandatory arbitration of disputes? Do you know what you’re signing?
In alternative dispute resolution (ADR), a neutral third party helps parties to a dispute reach a resolution outside of the court system. The most common types of ADR are mediation, arbitration and mini-trials. Continue reading “Alternative Dispute Resolution and Your Legal Rights”
7.5 Million Americans Paid a Penalty for Lacking Health Coverage
According to the Internal Revenue Service, almost 7.5 million Americans have had to pay a penalty for lacking health insurance in 2014 – and the tax season isn’t over.
As of mid-July, the IRS had processed approximately 135 million of the approximately 150 million individual tax returns it expects for tax year 2014. In 2014, the Affordable Care Act’s “individual responsibility” provisions went into effect, requiring most Americans to have health insurance or pay a penalty. Continue reading “7.5 Million Americans Paid a Penalty for Lacking Health Coverage”
The Pitfalls of Domestic Help
Most people’s scenario of a domestic help glitch might include a room left dirty, a badly cooked meal or laundry left unfolded. But for the millions of American families who employ someone to help around the house or garden, the reality could be far worse.
A Bitter Pill: The High Cost of Specialty Drugs
The good news: Pharmaceutical companies are developing a range of drugs to treat diseases that are chronic and/or rare. The bad news: Their high (some might say outrageous) cost.
Continue reading “A Bitter Pill: The High Cost of Specialty Drugs”