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Insurance News / 08.04.2014

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] The 2014 edition of the Maine Economic Growth Council’s Measures of Growth Report has been released and it’s a mixed bag when looking in the rear view mirror at our economic activity. This report plots movement on 27 indicators of economic and quality-of-life factors. The Growth Council compares data against previous years’ ratings as well as the state’s performance relative to the region and the nation. It also assigns gold stars and red flags to indicate where we ought...

Insurance News / 01.04.2014

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] An employee, alleging he was fired for being Canadian, took his employer to the Maine Human Rights Commission to contest his dismissal. The case fell flat when the employer produced a file that documented persistent and well-communicated short-comings in the employee’s job performance. The allegation really lost steam, though, when it also was revealed that the employer, himself, was a Canadian. The recent Third Annual Employment Practices briefing, hosted by Pro Search and Clark Insurance, featured Gregg Frame of...

Insurance News / 25.03.2014

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] Years ago, our family spent more than $5,000 for the removal of a twisted spleen from our eight year-old standard poodle. Our three young sons sided with Buddy, their BFF, so euthanasia was off the table. Today, affordable pet insurance is available in Maine and New Hampshire by clicking here or calling 1-855-727-9088. The number of covered pets is expected to increase 25 percent nationwide by the end of 2015 to minimize financially daunting but not uncommon health procedures. For...

Insurance News / 18.03.2014

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] Winston Churchill has been quoted as saying, “Never let a good crisis go to waste.” In the world of risk management, that attitude has a lot going for it. A crisis is a test that gives you an opportunity to tell your story, demonstrate your leadership and move toward recovery. Being prepared will improve your odds. When a crisis hits you or your organization, you need to ask a couple of questions that could help you avoid liability claims...

Insurance News / 11.03.2014

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] It pays to be born in Maine. For those whose parents have the foresight to give birth in Maine, a $500 savings account earmarked for higher education will now be established in every new baby’s name. The question will be whether or not education institutions will be affordable by the time these future scholars graduate from high school. Based on the rate of “college inflation”, an in-state public university education for the class of 2036 will begin at...

Insurance News / 04.03.2014

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] As consumers, our knowledge about the all-in cost of health care procedures is abysmal – and hospitals aren’t much better. Of course, there’s a perfectly good reason; most all of the cost is paid by an insurance company. A hip replacement, for example, costs anywhere from $11,100 to $125,000 so wouldn’t you expect people to go shopping? Because patients pay only a fraction of the cost, why should they care? Besides, it is difficult to get a total...

Insurance News / 25.02.2014

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] During the Olympics in Sochi, we visited our son in Montana where many college students pursue their “45 degree” – a metaphor for some of the best downhill skiing in the country if you’re a university student. A couple of days before arriving in Bozeman, our son fell over a 40 foot cliff while avoiding a collision and landed on the rocks below. Gratefully , he walked away from the emergency room with only bruises. The incident reminded...

Insurance News / 14.02.2014

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] We recently hosted a Junior Achievement class from Scarborough Middle School to introduce them to insurance which is primarily the business of risk transfer. BOR-ING! Well, not so boring if you are a twelve year old carrying a box filled with real money and a ticking timer that could sound-off any minute notifying your group of an accident or loss. As groups of five navigated through different departments of our office, they passed the ticking box to one another...

Insurance News / 11.02.2014

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] Imagine reducing by nearly half the number of people categorized as high risk for chronic disease (e.g. diabetes, cancer, cardiac disease, stroke, arthritis) through wellness coaching. Now imagine that you are an employer covering the lives of more than 10,000 employees and their dependents where high risk health factors are the biggest drivers of your health costs. One such employer is Eastern Maine Healthcare Systems (EMHS) where they are “walking-the-walk” in improving the health of their own employees and...

Insurance News / 10.02.2014

[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text] If you’re self-employed, or if you work for a small business, there’s a good chance that you have either no protection against a long term disability, or very limited protection. Kerry PeabodyCSA, CLTC Kerry Peabody CSA, CLTC According to the Social Security Administration, 69% of the private industry workforce has no private long term disability protection. While there are government safety nets, you need to understand the various programs and how they work. The first tier of paycheck protection for most employees is...

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