Berkshire Loss Consultants Inc & Benefits Advisors .

02/03/2024

This initiative marks the largest municipal effort to erase medical debt in partnership with nonprofit RIP Medical Debt, which buys bundled medical debt portfolios from providers, including hospitals and commercial debt buyers.

12/14/2023

Effective decision-making is the cornerstone of successful business operations. When decision-makers are in good mental health, they are better equipped to make the best choices. While every person’s needs are different, the following are some practical guidelines which can help almost anyone in business today

Given the post-pandemic culture, volatile world events and today’s divisive political arena, some of the older guidance may not suffice.

12/07/2023

Just because a roof is not leaking does not mean it is not damaged. Unfortunately, many hold this view and do not have a trained roof expert inspect the property after a storm event. Water stains may show up six months or even years after the storm event because the holes created are small and impede moisture ingress at the moment. However, the water can and will eventually migrate into the structure.

Are you a policyholder, insurance restoration contractor, or public adjuster dealing with a roofing claim adjustment involving roofing shingles with State

11/10/2023

None of these arguments comply with the principle of indemnity where the insured is restored to what he had before the loss. If the insured had a matching roof or carpeting before the loss, and after the loss the roof or carpeting is mismatched, then the insured is not properly indemnified.

Over 150 years ago, fire insurance companies crafted myriad clauses and diverse property insurance forms filled with exemptions and limitations, which

11/06/2023

Comparing group to individual life insurance, Gaydos says that many Americans “hold the mistaken belief that individual life insurance is too expensive, even though the average cost of a life insurance premium per U.S. household is just $993 a year, or less than $100 a month.”

According to a Scholaroo report, the southeastern part of the country has the lowest life insurance cost figures—minus South Carolina and Florida.

10/30/2023

Are you and your family protected from the unexpected expenses that accidents and illness can bring? Combined’s Disability Insurance coverage can help minimize the disruption to your finances. Protect your family, and your lifestyle. Reach out to me to learn more.

Enhanced Accident & Sickness

10/26/2023

However, health spending growth is expected to outpace growth in the overall economy starting in 2023 and eventually hit 19.6% of GDP by 2031.

Per person health spending is projected to rebound to an annual rate of 4.8% per capita from 2022 to 2031.

10/19/2023

“Employers spend all this money on health insurance because they want to recruit and retain the best staff they can.” Rae said. And as the labor market remains hot, “it’s not the time, if you want to do that, to pinch pennies on the coverage you offer.”

The average employer-sponsored health insurance premium for US families rose 7% this year – the biggest jump reported since 2011, according to the annual KFF survey of more than 2,000 companies.

10/12/2023

Can voluntary benefits help?
The simple answer to this question is: yes. For starters, voluntary enrollment is the perfect time to educate and engage employees on a number of tools that, if offered, could positively impact their retirement (and, inevitably, care).

Raising awareness for employees on long-term care needs is critical - and voluntary products (accident, hospital indemnity or critical illness insurance) have a role to play in a conversation about retirement planning.

09/25/2023