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Insurance News / 20.08.2013

[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] How many times do we have to hear that what we post on Facebook matters? A Facebook page creates risk and can undermine a career or personal standing in the community if it appears inconsistent with our public persona. Social media web sites are part of our personal brand (read: reputation) and conveys a great deal about who we are and how we conduct ourselves. Imagine this scenario (drawn from a real life example): There are two candidates for...

Insurance News / 13.08.2013

[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] For those with students starting their freshman year or returning to college later this month, you ought to be thinking about a variety of insurance issues not the least of which is health care coverage. Depending on how far afield your student is traveling to college, you may want to check that your insurance carrier has a medical network in their area. If your student is in a region without a network of approved health care providers, their...

Insurance News / 06.08.2013

[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] There now are life insurance policies that will pay a benefit if you suffer a heart attack, stroke, cancer, kidney failure, blindness and major organ transplants – and you don’t have to die to collect. This policy will pay even if you have health insurance or Medicare coverage! It’s called “living benefits.” Though you may think of the insurance industry as a pretty staid and dry business, every once in a while, a new product comes along that deserves...

Insurance News / 31.07.2013

[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] Is your dog worth a $5,000 veterinary bill? The relationship we have with our pets has evolved when it comes to how we view their health and well being – but $5,000!?!?! Well, think about this scenario. For five years, Buddy, the family dog, has bestowed unrequited love upon all members of your household. One evening, though, he just lies on the floor of the kitchen right through the dinner hour not even asking for the odd table scrap....

Insurance News / 24.07.2013

[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 Press Herald recently reported that the City of Portland has authorized a $15 increase for towing charges – from $70 to $85. In the sample of charges among Maine cities, only Biddeford was more expensive for towing charges clocking in at $90. The article points out, however, that the state police and some communities have no limit on what may be charged. The common reasons for towing, besides a breakdown, are unpaid parking tickets, and illegal parking such...

Insurance News / 17.07.2013

[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 issue of college debt is beginning to hit the press on a regular basis. Why? Congress is discussing doubling interest rates on federal loans. College tuition costs are twice the rate of inflation. Prospects for well compensated employment remain dim for recent grads. According to a Federal Reserve Bank study and the Project on Student Debt*: 43% of all Americans under the age of 25 had student debt in 2012 (25% in 2003) The average debt for those...

Insurance News / 09.07.2013

[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]A man walks into his doctor’s office and complains that when he raises his arms, his shoulders hurt. He asks, “What can I do to stop the pain, doc?” The doctor replies, “Stop raising your arms!” An old joke but a good lesson. A pain being experienced by all Americans is the high cost of health insurance. If everyone is going to be required to buy health insurance under the Affordable Care Act, shouldn’t we have some say in...

Insurance News / 01.07.2013

[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]Fireworks are a ball and most people using common sense are unharmed by firecrackers and other consumer fireworks. It’s when people are careless that things go sideways. Consumer fireworks now are legal in many Maine communities. Legal or illegal use of these explosives and incendiary devices need to have extra attention particularly when kids are around. Why? Sparklers burn at temperatures of about 2,000 degrees and things with a fuse are explosives. According to the U.S. Consumer Product Safety Commission,...

Insurance News / 25.06.2013

[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]Employers need to pay attention. You know those notices you receive periodically with densely worded legalese from health care providers about protecting your personal health information? You can now expect to see new rounds of notices with additional language but also alerts from entities in possession of your data should a breach of security occur involving your data. What does this mean to employers? Cyber insurance coverage. If an employer offers an insured or self-insured health plan to their...

Insurance News / 18.06.2013

[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]Beautiful weather has boating enthusiasts turning out in droves which also creates the potential for havoc when alcohol is part of the mix. It is not illegal to drink and operate a boat but anyone caught with a blood alcohol level of .08 or higher is subject to arrest. Often overlooked are the impact of sun and heat. Time in the outdoors can quickly dehydrate boaters. However, fluid replacement using alcohol is not the answer for anyone driving a...

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