Daughter worrying about mothers long-term care needs

How To Know When A Loved One Needs Long-Term Care

Studies show that roughly 70 percent of individuals aged 65 or older will require long-term care at some point.

But determining just when a loved one may need long-term care can be difficult both mentally as well as emotionally. To help make things easier, here are some key factors to look for when determining if your loved one could benefit from long-term care:

  1. Recent Accidents

Accidents and medical scares are a key indicator that your loved one may need additional help. Falls, fender-benders or car accidents, mismanaging prescriptions can all be scary and stressful for loved ones, caregivers, and everyone involved.

Read More
Group of young professions working at a white board calculating effects of group health insurance for their business

How To Find The Best Group Health Plan For Your Business

The Group Health Insurance industry continues to change with premiums continuing to rise. You have probably changed insurance carrier’s multiple times hoping to secure for the deal of the year.

So, the question is: Is that all there is? Change carriers and tweak my benefits?

What To Consider In Your Group Health Plan Decision

Not all Group Health Insurance plans are the same and one of the largest problems we come across in the industry is that so few companies are aware of all of their options. Most of the time, the reason behind this is because businesses are often dependent upon their insurance agent to present them with their group health options. In doing so, it is important for businesses to note and understand that like the differing group health plans on the market, not all agents are alike. Agents often differ greatly in regard to their level of experience and general knowledge pertaining to new and emerging trends in the industry.

Read More
Millennials with tech devices in front of them on a blue bench

Myopia and Millennials: The Trend No One Saw Coming

According to a Nielson Company audience report, it is estimated that the average American spends over 10 hours behind a screen consuming digital media and content. But is this much screen time actually helping us or hurting us?

As it happens, a number of studies have recently come out against the rapid increase in screen time for everyone from toddlers to senior citizens. In fact, some of these studies have shown a correlation between increased screen time and the following:

Read More
Business windows boarded up metal for business protection

The Protection Plan Your Firm Can’t Afford To Be Without

For home and business owners throughout Florida, Texas, and many small islands in the Caribbean, 2017 will be a year not easily forgotten.

After an above average hurricane season that witnessed the formation of some of the largest storms on record— Harvey, Irma, and Maria; the staggering amounts of damage and sheer devastation are still being felt months later in some of these most affected areas.

At the midpoint of the 2017 hurricane season Bob Henson, a meteorologist for Weather Underground, went on record with the Tampa Bay Times saying “This season has been an overachiever by almost every index… We’ve had more than a year’s worth of named storms when you look at the long-term average, and that’s being just past the midpoint of the season.”

But what does this say about the future 2018 season? According to Palm Beach Post and by association, Colorado State University, research is showing “60 percent probability that a more active season will unfold, giving a below-average season only a 20 percent probability of occurring.”

Luckily, for homeowners, there is Home Insurance, and for business owners, there is the Business Owners Policy— otherwise referred to as “BOP.”

Read More
Three eggs with 401(k) saving and IRA written on them laying on top of dollar bills and coins

Ringing In The New Year With 401(k)

From abandoning vices to dedicating time for some inward reflection, there is no denying that the start of every new year is a time for reflection, looking to the future, and abandoning what didn’t work in the past.

When was the last time you examined your 401(k) business plan? Do you have a 401(k) plan for your business? Are you sure that your current plan is doing everything for you and your employees that it can? If you answer any of these questions with uncertainty or hesitation, it may be time to spend some of that reflection time on your retirement planning strategy.

If your businesses does not offer a 401(k) plan as a part of its benefits package, you could be missing out on valuable talent that may seek work elsewhere— perhaps with other businesses that do.

Read More
mother and child practicing good dental hygiene in bathroom

The Cost Of Not Having Dental Insurance

If you and your family have been skipping trips to the dentist, you’re not alone. “For every adult without health insurance, an estimated three lack dental insurance” this comes according to a quote issued by the Kaiser Family Foundation based off of research conducted by the National Association of Dental Plans.

A Key Component Of Overall Health and Hygiene

But what so few realize is the close relationship between one’s oral health and their overall health. A person’s mouth is a haven for potentially harmful bacteria, regular flossing, brushing, and cleanings can keep the bacteria at bay but when a person is neglecting their teeth, the bacteria can build and lead to infections, tooth decay, and gum disease. From there, it is possible for the bacteria to enter the bloodstream and travel to other parts of the body leading to other serious problems.

Read More
couple happy with the future thanks to supplemental health insurance taking a walk on a country road

The Insurance For When You Just Need More

What do you do when your insurance deductible is so high that it doesn’t even seem like you have insurance but that’s all you can afford? For some people who seldom seek medical treatments, this doesn’t really bother them. But for others whose only option is a plan with a high deductible, this can prove extremely frustrating and almost like the deck is stacked against them.

Despite the current political environment, the Affordable Care Act is still the law of the land and this means that all Americans must have health coverage or face a fine at tax time.

Young woman’s hands filling out application on a white deskHow Supplementary Health Insurance Works

Enter Supplementary Insurance plans. Sometimes referred to as Gap Insurance, these plans are designed to help the insured pay for many additional costs that standard insurance may not cover by offering a cash payout. Most basic health insurance plans will cover up to a certain percent of your overall bill, supplementary insurance is there to help with the rest.

Read More
african american man stressed and dealing with depression at work

Attorneys: When Depression Strikes and When to See A Doctor

When the air turns cooler and the autumn breeze picks up the holiday season is never far behind. It is a time for family, friends, good food, shopping for gifts, and enjoying each other’s company. But what happens when you can’t seem to find your holiday spirit?

Just because your holiday spirit is lacking doesn’t necessarily make you a Grinch, though it could be a sign of something much more important.

Depression doesn’t strike when it is most convenient for you, sometimes there is a reason for it and sometimes there is not. In fact, it is not at all uncommon to develop depression symptoms during the holiday season.

But not all cases of the winter blues are the same and therefore, it is important to know when to reach out to your doctor and discuss what you are experiencing.

Read More
1 2 3 16