By James Ryan, Executive Director of Sedgwick CMS In the last several years, our nation has been in the throes of the worst recession since the Great Depression. While the Great Recession brought plenty of challenges for the workers’ compensation industry—including increased potential for fraud—during this time our country also underwent significant comprehensive health reform. These […]
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In the event of a sudden emergency such as a hurricane, you may have just minutes to gather your family and important papers, and get out of your house, possibly for good. Are you prepared? Where would you go? What would you take with you? With preparation and practice, you stand the best chance of […]
Your auto policy may include six coverages. Each coverage is priced separately. 1. Bodily Injury Liability This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission. It’s very important to […]
There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD): Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum […]
Yes, employer-sponsored health insurance plan premiums can be considerably lower priced than those for an individual health insurance plan because the plan is group rated and your employer contributes toward the cost. If your employer gives you a choice of plans, you need to understand your choices and pick the plan best suited for you […]
WHAT INSURANCE SHOULD MY BUSINESS HAVE? Most businesses need to purchase at least the following four types of insurance: Property Insurance Liability Insurance Business Vehicle Insurance Workers Compensation Insurance Property Insurance – Property insurance compensates you if the property you use in your business is lost or damaged as the result of various types of […]