Capitol Benefits, LLC

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Capitol Benefits, LLC Capitol Benefits represents over 200 insurance companies and all types of insurance!

Capitol Benefits is an independent insurance advisory built on trust, advocacy, and long-term relationships — serving individuals, families, and culture-driven businesses.

Channelle called Dana one of the most patient, friendly and knowledgeable benefits advisors she has worked with.That is ...
10/15/2026

Channelle called Dana one of the most patient, friendly and knowledgeable benefits advisors she has worked with.

That is the standard we want every client to get. Benefits questions rarely show up at a convenient moment, and having an advisor who answers, explains and follows through is most of what makes the difference.

Thank you, Channelle. We are grateful for the trust.

Free guide: where paid family and medical leave stands in all 50 states and DC.Most of the employers we work with have p...
10/14/2026

Free guide: where paid family and medical leave stands in all 50 states and DC.

Most of the employers we work with have people in more than one state, so we put the whole picture in one place. Every state is accounted for, with full program detail for the 17 that have one: contribution rates, maximum weekly benefits, who pays, where private plans are allowed, and whether the program protects the job or only replaces wages. DC, Maryland and Virginia each get their own section, since they are on three very different timelines.

If you have Maryland employees, the private plan Declaration of Intent is due November 15 and payroll contributions start January 1.

Sixteen pages, no cost. Get your copy here:
https://www.capitolbenefits.com/paid-family-medical-leave-advisory/

Early retirement changes the insurance timeline fast.Joshua Lavine was recently featured in InsuranceNewsNet about what ...
10/13/2026

Early retirement changes the insurance timeline fast.

Joshua Lavine was recently featured in InsuranceNewsNet about what happens when a client retires before 65, and the timing matters more than most people realize.

About 60 percent of retirees in the Employee Benefit Research Institute 2026 Retirement Confidence Survey said they retired before age 65.

That means the insurance review cannot wait.

Health coverage is usually the first item with a clock on it. Employer coverage often ends the last day of the month someone leaves, and there is only a short window to elect COBRA or move to a marketplace plan.

Group life and group disability usually end with employment too. Some group life plans allow conversion, but the window is short, and many people do not realize that coverage they counted on for years was never theirs to keep.

Long term care matters even more after an early retirement, because the portfolio has to last longer.

The practical move is simple. Put the insurance review on the calendar the week someone announces their retirement, not after the last paycheck.

Read the full article: https://insurancenewsnet.com/innarticle/what-happens-to-insurance-planning-when-a-client-retires-early

The 2027 small group rates are set.The Maryland Insurance Administration has finished its review, and the approved incre...
10/12/2026

The 2027 small group rates are set.

The Maryland Insurance Administration has finished its review, and the approved increases came in below what carriers filed. UnitedHealthcare filed close to 20 percent and was brought down to single digits.

Approved carrier averages:
CareFirst BlueChoice 11.7 percent
CareFirst PPO 3.1 percent
UnitedHealthcare Mid-Atlantic 10.0 percent
Kaiser 7.0 percent

By network type: HMO 11.3 percent, EPO 9.1 percent, PPO 4.9 percent.

The drivers behind the numbers are hospital cost trend, professional services and prescription drugs.

We are happy to walk through what this means for your group.

https://www.capitolbenefits.com/maryland-2027-small-group-rate-increase-approved/

Deer season is open in Maryland and Virginia, and the Virginia Department of Wildlife Resources estimates that half to t...
10/09/2026

Deer season is open in Maryland and Virginia, and the Virginia Department of Wildlife Resources estimates that half to two thirds of all deer-vehicle collisions happen in October, November and December.

If you hit a deer, that is a comprehensive claim, not a collision claim. Comprehensive usually carries the lower deductible, and it is not recorded as an accident you caused.

The part that surprises people is what happens if you swerve. Miss the deer and hit a tree, a guardrail or another car, and it becomes an at-fault collision claim with the higher deductible. Both Virginia DWR and the Maryland State Highway Administration give drivers the same advice. Brake, do not swerve.

We wrote up what to do in the first twenty minutes, how to decide whether filing is worth it, and the rules about the animal itself, which are different on each side of the river.

https://www.capitolbenefits.com/hit-a-deer-insurance-claim-comprehensive-maryland-virginia/

A quiet season is a good time to plan.The Atlantic has been remarkably calm this year, with no hurricanes so far, and th...
10/08/2026

A quiet season is a good time to plan.

The Atlantic has been remarkably calm this year, with no hurricanes so far, and the season still runs through November 30. Flooding does not need a named storm, and nearly one third of flood claims happen to homes outside high risk zones.

A few things worth knowing if you own a home in Maryland, DC or Northern Virginia:

A new flood policy takes 30 days to take effect, so a calm stretch is when the decision is easiest to make.

Tropical Storm Arthur caused more than a billion dollars in damage this year and never became a hurricane.

A standard homeowners policy does not cover flood.

No rush and no alarm. If you want to look at it together, we are here.

https://www.capitolbenefits.com/quiet-hurricane-season-flood-insurance-october-dmv/

Ask a contractor whether the sub on site is insured and you usually get a certificate. Ask whether that certificate actu...
10/07/2026

Ask a contractor whether the sub on site is insured and you usually get a certificate. Ask whether that certificate actually protects the business and you usually get a pause.

The ACORD 25 says on its own face that it is information only, that it confers no rights on the certificate holder, and that it does not amend or extend the policies listed. If the holder is meant to be an additional insured, the policy has to be endorsed. A line on the certificate does not create that status.

Certificate holder gets you notice. Additional insured gets you coverage. They are not the same thing.

https://www.capitolbenefits.com/virginia-contractor-certificate-of-insurance-requirements/

This past Saturday, Matt and Kelly from our team spent the morning at the Housing Opportunities Commission of Montgomery...
10/06/2026

This past Saturday, Matt and Kelly from our team spent the morning at the Housing Opportunities Commission of Montgomery County's first-time homebuyer event.

HOC is one of our employee benefits clients, and it was a privilege to be there with them. We answered a lot of questions from a lot of future homeowners, and it was wonderful to see so many familiar faces from the HOC team stop by to say hello.

Buying your first home is a big step. If you have questions about protecting it, we are always happy to talk it through.

We look forward to seeing everyone again at HOC's benefits fair in a couple of weeks.

https://www.capitolbenefits.com/personal/homeowners-insurance/

Behzad has worked with Lauren for years on both his personal and his business insurance, and this is what he had to say ...
10/05/2026

Behzad has worked with Lauren for years on both his personal and his business insurance, and this is what he had to say about it.

Taking something complicated and turning it into advice you can actually act on is most of the job. Lauren is very good at it.

Thank you, Behzad. If you would like that kind of guidance on your own coverage, we are here.

We just got back from Applied Net, and one thing stood out.A conference with about 5,000 people from across insurance gi...
10/02/2026

We just got back from Applied Net, and one thing stood out.

A conference with about 5,000 people from across insurance gives you a rare chance to step back and look at how work actually gets done.

Not the headcount. The substance.

We sat through sessions on artificial intelligence, carrier relationships, and where the industry is heading. Useful stuff. But we kept coming back to something simpler.

The agencies that do this well usually have teams that work well together.

And clients feel that in the small moments:

How fast you get an answer.
Whether the person who picks up knows your account.
Whether anyone is paying attention between renewals.

That is the part that matters when coverage needs to move with real life.

Thanks for trusting us with yours while we keep working to get better at it.

Address

364 Main Street Fl 2
Gaithersburg, MD
20878

Telephone

+13014310000

Website

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