Our team of insurance specialists would like to learn more about your unique insurance needs Contact Us
AA Blogging Team
26
Jun
Paying for a Long Term Care Policy
If you or a loved one has a Long Term Care policy It is IMPERATIVE that you do two things: 1. Make sure your policy is paid via ACH transfer 2. Make sure that you have set up with your insurance carrier that someone you know who is responsible gets notified if the policy is about to Lapse!!
5
Jun
Use the “guy” with insurance!!!
We know- it’s a pain in the butt to ask for a certificate of insurance. And the person you want to use doesn’t have insurance- but he is so much cheaper!!! Why? – What’s the benefit? The contractor with General Liability insurance has a carrier to stand behind them if they make a mistake They damage part
23
May
Health Reform Questions – Enrolling in the Health Insurance Marketplace
Question: My employer is having its open annual enrollment in a few weeks for its health coverage effective on July 1, 2014. If I do not enroll in my employer’s health coverage effective July 1, 2014 and voluntarily drop it, can I then enroll in health coverage on the Health Insurance Marketplace because of a loss of coverage? Answer: No. If you
15
May
Do I need Flood Insurance if I don’t live near a body of water?
The fact is – we ALL live in an area that can flood- Just because we are not near a body of water- we can experience a flood- MOST INSURANCE POLICIES EXCLUDE FLOOD – Some of us live in areas that are have a HIGHER RISK of flood– and therefore if we want coverage for our property we will
14
May
Availability of Marketplace Coverage to Workers Eligible for COBRA
Recently, the Obama administration announced updates to model notices notifying workers of their eligibility to continue health-care coverage through COBRA. The updates are to inform workers they are eligible to purchase coverage through the Health Insurance Marketplace or through a private insurance company directly. Workers and their families who are eligible for employer-sponsored coverage generally must be informed of their
9
May
Affordable Care Act Special Enrollment Qualifications
Now that Open Enrollment for the Affordable Care Act has ended, the only way to enroll in coverage is if you have a life event. The Special Enrollment will trigger a 60-day enrollment period, but the effective dates for enrollees can change depending on the situation. Adding a Dependent by birth, adoption, or foster care: If the policyholder is already
8
May
Ask your agent…
If your house were to explode….. Would you have to rebuild to get full replacement cost? Would you have to rebuild in the same place? Would you have unlimited funds to pay for your temporary living expenses? Would your policy pay MORE than the listed amount to replace your home as is? If you don’t like the answers…. give us
24
Apr
A Look inside Uninsured and Underinsured Motorists Coverage
Many people get notices from their auto insurance carrier with offers for additional Uninsured or Underinsured motorist coverage and aren’t sure what the coverage is and if it is for them – so let us explain- Uninsured and underinsured motorists coverage (UM/UIM) provides coverage for you and your household members, while in any vehicle, including your own as well as
7
Apr
Blue Cross Blue Shield of Illinois Extends Open Enrollment Until April 15th, 2014
Blue Cross Blue Shield of Illinois has extended their open enrollment period for 2014. Anyone can still apply. The new deadline for coverage in 2014 is now April 15th, 2014. The effective date for these policies will still remain May 1st, 2014. The application must be done by paper form not online. Please contact Associated Agencies at (847) 427-3443 if
