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The Importance of Employment Practices Liability Coverage

Every employer, no matter how small, faces the specter of being sued by a past, present or prospective employee at some time. In fact, such employment practices claims are widespread - so much so that most businesses are much more likely to have an employment practices liability claim than a general liability or property loss claim. Nearly three-quarters of all litigation against corporations today involves employment disputes, which can be extremely costly. The cost associated with an employment practices claim can be significant. In 2018, the Equal Employment Opportunity Commission resolved 90,558 charges of discrimination and recovered about $505 million…

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What to Do If Your Child Is Cyber-bullied or a Cyber-bully

Social media can be a great way to stay in touch with friends and family, but unfortunately, as it has evolved, so has a dark side that has caused plenty of children distress - some to the point of driving them to suicide. We are talking about the growing problem of cyber-bullying. Unfortunately, many kids are victims and others are perpetrators of online bullying. In both cases, you need to nip it in the bud. What is cyber-bullying? Cyber-bullying includes sending, posting or sharing negative, harmful, false or mean content about someone else on social media like Facebook, YouTube, Instagram…

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Changes Ahead for Medicare Plans for 2020

As open enrollment for Medicare is just around the corner, changes are coming for 2020 that all enrollees and those who are enrolling for the first time should be aware of. Some of the changes are routine, but there are a few regarding the availability of certain plans as well as significant changes to Medicare Advantage prescription drug plans. Below is a rundown of the changes coming for the 2020 policy year. Medicare Part B The monthly premium is projected to rise to $144.30 a month, up from $135.50 in 2019. Medicare supplements Two plans will disappear for new enrollees,…

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Two Real-World Lawsuits and Lessons Learned for Contractors

Things go wrong on a regular basis on construction projects. That's why contractor's liability insurance exists - to protect everyone involved. The policy holder is assured that an honest mistake or oversight will not destroy a thriving business, and the client and other stakeholders are assured that no matter what foreseeable event might come to pass, there is enough liquidity on the table to compensate them for damages incurred. Contracts contribute to damages There is the occasional straight-ahead case, but in most cases, determining a single party to be at fault is extremely difficult. Often, the actions or oversights of…

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Your Fall Home Maintenance Checklist

Fall is here and you should use the time to enjoy the cool weather outdoors and take care of housekeeping chores before winter arrives. You should tackle any needed maintenance before the weather gets too cold and, if you live in a cold weather area, you could use the time to improve the energy efficiency of your home as well as take proactive measures to prevent damage from any winter storms that may pass through. To help you along the way, we've created a handy checklist for you to follow: Chore 1: Clean gutters and downspouts Once most of the…

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Reminder: Open Enrollment Begins Oct. 15!

You've probably read our earlier article reminding you about Medicare Open Enrollment, beginning Oct. 15. You can read the full story here. However, due to its importance, we just wanted to send a quick reminder that it begins October 15 and runs through December 7. That's not much time to get your plans together. So here's another reminder: We can help make this as easy and painless as possible. Premier Insurance Services began decades ago as a Medicare insurance provider. We have a deep knowledge of and experience in the Medicare system — meaning, you'll get every benefit possible and…

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Teens Drinking at Parties = Insurance Issues

As the new school year starts and high schoolers get into the groove of hanging out with friends, they may go to parties after their school football games on weekends. Unfortunately, these events often become occasions for teenagers to drink alcohol. Teens at unsupervised parties risk harming themselves and others when they drink. Parents of the kids that throw these parties (with or without their parents' knowledge or consent) may bear responsibility for what happens there - and for injuries or damages occurring after the guests leave. While their homeowner's liability coverage may cover any financial damages, the circumstances of…

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Beware: Medicare Doesn’t Cover Everything

Beware: Medicare Doesn’t Cover Everything

Many retirees get an unpleasant surprise after turning 65 and signing up for Medicare: It doesn't provide complete coverage of health care costs. In fact, there are some very large gaps that can be financially devastating to ordinary Americans. A recent study from Fidelity estimated that the average 65-year-old married couple would need about $280,000 in savings to cover out-of-pocket costs, including Medicare deductibles, copays, prescription drugs, Medicare premiums, dental and vision care. Deductibles and copays Part A Medicare Part A (hospital insurance) still exposes you to the following deductibles, as of 2019: Inpatient hospital deductible: $1,364Daily out-of-pocket hospital costs…

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