CMS Disclosure Requirement for Employer Health Plans
Do you offer health coverage to your employees? Does your group health plan cover outpatient prescription drugs? If so, federal law requires you to complete an online disclosure form every year with information about your plan’s drug coverage. You have 60 days from the start of your health plan year to complete the form. For […]
Read MoreHappy Holidays!
Wishing you much happiness this holiday season and throughout the New Year! We look forward to working together in 2020.
Read MoreHappy Thanksgiving!
Wishing you much happiness this holiday season and throughout the new year!
Read MoreTrick-or-Treat Safety Tips
Between the hype of costumes and candy, it’s easy to forget the safety hazards posed by Halloween night. With increased foot traffic on and around the streets in the evening, it’s important for both pedestrians and drivers to be hyper-aware on All Hallows’ Eve. In fact, according to the Centers for Disease Control and Prevention, […]
Read MoreEmployer Medicare Part D Notices Due Before October 15
Are you an employer that offers or provides group health coverage to your workers? Does your health plan cover outpatient prescription drugs — either as a medical claim or through a card system? If so, be sure to distribute your plan’s Medicare Part D notice before October 15. Purpose Medicare began offering “Part D” plans — […]
Read MoreBack-to-School Bus Safety Tips!
September means back to school for many children here in New York State. Whether you are sending your children to school or simply sharing the roads with school buses on your morning commute, it is important for you to be up to date on the current laws and expectations regarding school buses. According to the […]
Read MoreTips for Preparing Form 5500
At this time of year, many employers and benefit advisors begin preparing Form 5500, the annual report required for most employee benefit plans. Form 5500 must be filed with the federal government within seven months after the end of the plan year. The following are the most frequently asked questions about Form 5500 for employer-sponsored […]
Read MoreGrilling Safety Tips
You may be the kind of person who fires up the grill all year long at tailgating parties, or maybe you wait for a warm summer day and a backyard full of friends before you put on your apron. Either way, grilling can be one of life’s simple pleasures. Unfortunately, where there is fun there […]
Read MoreTake your spring cleaning a step further with these home maintenance tips
While we’re all familiar with the term “spring cleaning,” there are many important projects that don’t necessarily come to mind as we prepare for warmer weather and an increased amount of rain … read more.
Read MoreCyber Security: A Continuing Threat … Are You Prepared?
Cryptomining. Ransomware. Business email compromise. Spear phishing. This is the new language of business risk. Whether it’s a massive data breach that exposes customer information like the Marriott incident reported in November 2018, or an automated ransomware attack that extorts bitcoin payments from a medi-spa owner, the cybercrime wave continues to swell as the cybercrime […]
Read MoreProposed Over Valentine’s Day? Remember to Insure the Ring
Protecting the engagement ring once you’ve popped the question! Valentine’s Day is one of the most romantic days of the year, which is why it’s no surprise that many people choose to propose to their loved one on this day. If you got engaged over Valentine’s Day, congratulations! You may be busy making wedding arrangements […]
Read MoreHome Update for Lower Home Insurance Rates
Save money on your home insurance by remodeling your home smartly. Homeowners are always looking for the most affordable homeowners insurance. They want to keep their pockets lined but receive ample coverage and protection for their home, naturally. Keep in mind that you may not always need to sacrifice coverage in order to obtain an […]
Read MoreNew NYS Law Requires Smoke Detector Upgrades by April 1, 2019
Effective April 1, 2019, a new NY State law requires all NEW or REPLACEMENT smoke detectors in New York State to be powered by a 10-year, sealed, non-removable battery, or hardwired to the home. According to NYS Law 399-ccc: “It shall be unlawful for any person or entity to distribute, sell, offer for sale, or […]
Read MoreMake Your Diet Healthy in Honor of American Heart Month
Improve your diet in honor of American Heart Month. February is American Heart Month, which means it’s time to pause thinking about Valentine’s Day and, instead, think about your old ticker. It’s what keeps you going, and deserves some quality attention. While heart disease continues to be one of the top killers for men and […]
Read MoreDriving Tips for Parents with New Teen Drivers
Teach your teen good driving habits with these tips. As a parent, you may be feeling equally anxious and excited about your teen getting behind the wheel. At last, you won’t have to drive them all over the place, but the thought of them driving could fill you with dread. As an adult, you understand […]
Read MoreBenefits of Listing Specific Items on Your Homeowners Insurance
How homeowners insurance can protect your high-value items Homeowners insurance is designed to protect your home and belongings from disasters and accidents. However, every policy has its limits. To ensure that your prized possessions have the best coverage possible, it’s a good idea to review your coverage and consider scheduling your property. Most homeowners policies […]
Read MoreWhat to Consider Before Buying Car Insurance
What you should consider before buying auto coverage. If you are looking for auto insurance coverage, you may be overwhelmed with the sheer number of policies and insurers on the internet. To help streamline the process of acquiring the right coverage for your needs, take these considerations to take into account. Know the basics. Familiarize […]
Read MoreThis New Year, Resolve to Review Your Insurance
The new year is the perfect time to review your insurance coverage. As the calendar turns from 2018 to 2019, it is likely that you will be thinking of New Year’s resolutions. Whether you vow to quit smoking, lose weight, or save money, we recommend you start off with at least one easy resolution: checking […]
Read MoreThe Importance of Personal and Commercial Umbrella Policies
Could you or your business benefit from an umbrella policy? When it comes to getting insurance, many individuals and business owners purchase the bare minimum and hope that the worst won’t happen to them. The reality is that disasters can happen to anyone and any business. When the worst does happen, an umbrella policy can […]
Read MoreHow to Protect Your Vehicle from Road Salt Damage
Reduce salt corrosion with these basic car care tips. Winter in New York is here! The temperatures have dropped and motorists across the state are facing adverse driving conditions. When the weather forecast predicts snow and ice, salt on our roads is a welcome sight. Although heavy-duty road salt is fundamental to our winter […]
Read MoreHow to Avoid Common Winter Hazards at Home
Guarding against these winter home hazards. As the weather turns cooler – and in New York, downright cold – we spend more time in our homes, and the risk for some types of potentially catastrophic home damage increases. To prevent disasters during the merriest of seasons, check out these tips. Water Damage The colder temperatures […]
Read MoreStay Merry and Bright with These Holiday Fire Prevention Tips
Fire safety tips for the holidays. While the festive season is one of our favorite times of the year, it’s also a season when residential fires are most frequent. Christmas Day and New Year’s Day are two holidays where home fires are common, in addition to causing more damage than usual. When the source […]
Read MoreTips to Get Your Vehicle Ready for Winter Weather
Snow, ice, rain – is your vehicle ready for it? The New York winters are harsh and cold. While we turn up the heat and dig out the warm blankets, we should spare a thought for our vehicles. A little bit of preparation goes a long way to ensure our vehicles are ready for the […]
Read More5 Ways to Protect Your Home From Power Outages This Season
Steps to prepare your home for a power outage and protect appliances. When the weather report predicts any type of storm, it’s time to prepare for the possibility of an electrical outage. Most cold-season power failures happen when these storms bring freezing rain and high winds that damage power lines and equipment. It’s when we’re […]
Read MoreHow to Stay Safe When Driving Over Thanksgiving
While you prepare the family for a holiday getaway, read up on these safe driving tips. The holiday season is fast approaching, which means that millions of Americans are getting ready to travel to their holiday destination. Whether you’re driving across town, state, or the country, it is likely you’ll be hopping in a […]
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