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How individualized care can help your people. Imagine going to the doctor with a list of concerns. Symptoms that you have experienced for weeks, or months. Then, after about 10 minutes of concise discussion with your doctor, you leave the office with a prescription that is intended to help. But doesn’t.  THE FRUSTRATIONS OF HEALTHCARE Years of […]

A common question I receive when discussing with clients is, “what is recoverable depreciation?” Recoverable depreciation is the difference between actual cash value and replacement cost. A recoverable depreciation clause in an insurance policy accounts for the deterioration in the value of insured possessions and gives the homeowner the ability to claim that difference. The […]

What do I do if the city snowplow hits my mailbox? During a major weather event, snow and ice removal is the city’s top priority. While doing so, there is the possibility of property damage, which commonly includes mailboxes. Property owners are responsible for installing and maintaining mailboxes on roads in Indiana. In the event […]

Planning ahead with NextGen Strategies – what employers should know. Employers have a lot to consider heading into 2023. With inflation, workplace challenges and threats of recession, businesses need to begin reviewing and preparing their benefit programs now. Whether goals include expanding the business or looking for ways to improve the bottom line, planning ahead […]

Insurance definitions you need to know. I want to include a bit of information on a very important, but easily overlooked part of an insurance policy, the definitions. When defining the scope of coverage, insurance policies rely on terms and phrases that have specific meanings. The definitions are important as they establish the meanings of […]

A performance lab for outstanding benefit programs. Forecasted renewal increases, healthcare inflation, and employee satisfaction have been trending topics for many employers and HR departments recently. Whether those topics center around a lack of transparency from insurance companies, little control over costs, or representing a unique workforce, navigating the health insurance landscape is a challenge […]

What no network can actually mean for your business. With rising healthcare costs and employee retention and recruitment to consider, many employers are reviewing their healthcare plans, looking for affordable alternatives that can support their people. While some employers negotiate premiums or contemplate health savings accounts (HSAs), others are discovering the benefits of self-funding with […]

What I have learned from winter weather claims. Winter weather is on its way, now is the perfect time for me to share a bit of information on snow and ice codes in Indiana. It is important for landowners and tenants to be familiar with ordinances, as a slip or fall on their property could […]

Everything you Need to Know about Home Repair Insurance Coverage. Being a homeowner can be rewarding, but it also comes with its challenges. Being responsible for unexpected home repair issues, including problems with your exterior sewer and septic system, as well as your home’s mechanical systems and appliances can be stressful and expensive. DAMAGES THAT MAY […]

Innovative Solutions For Your Benefits– Options Are Available. A well-designed, comprehensive benefits program plays an important part in your company’s ability to attract and retain top talent. But when that program is broadly offered with no clear purpose or direction, you may end up missing what your people are looking for. SOLVING PROBLEMS THROUGH BENEFITSInstead of […]