Entries by Carol LaCombe

Captive Insurance Programs

Captive insurance programs are an alternative to standard insurance protection. They are not new; but they are getting a lot more attention now than they had in the past. Captives can provide the highest quality insurance protection for its owners. By banding together to create a true sharing of risk, the shareholders of a captive […]

SCA Contracts

The DOL has sufficient funding to hire over 200 full time additional Wage & Hour Investigators. The funding was provided over the past several years by the American Reinvestment & Recovery Act (ARRA). Timothy J. Helm, Chief for the Branch of Government Contracts Enforcement for the Wage & Hour Division of the DOL has been […]

Voluntary Benefits

In previous years, employers offered voluntary benefits to retain employees, attract strong candidates and boost morale. They weren’t as popular as they are now. Since there has been significant growth in economic pressures, most employers want to use these benefits because the plans have no direct costs for them. However, employers’ costs aren’t the only […]

Power Outages

Winter is right around the corner. Depending on where you live, this could mean extreme amounts of snow and/or ice; and with that comes power outages. While there is little you can do about a winter power outage once it has happened, you can take steps to prepare yourself. Lots of Water When you lose […]

Estate Planning

There are several reasons to create an estate plan, such as to reduce estate tax liability, protect assets from creditors, make charitable donations and distribute your wealth according to your wishes. And there are many estate planning techniques and strategies to help you achieve your estate planning goals. But an important final estate planning step […]

2012 Medicare Open Enrollment

Medicare open enrollment began October 15, 2011 and will end December 7, 2011.  This is the one time of year when everyone with Medicare can make changes to their health and prescription drug plans for coming year. Please click here for the official 2012 Medicare Handbook.

Client Testimonial

We are a growing company and use Cleary for all our insurance coverages.  It makes our lives easier to deal with one company who can handle all our insurance needs.  Everyone at Cleary is incredibly responsive, and they certainly have demonstrated many times their ability to handle all our issues. Irene Costello Co-founder Effie’s Homemade

Cost Cutting Health Benefits

Reviewing Your Options Like many employees, businesses consider ways they can cut expenses during difficult economic times. One common focal point of such is employee benefits programs, especially in the area of health benefits. Considering that health benefits are frequently the most expensive aspect of a company’s benefits program, this may seem like a reasonable, […]

SCA Contracts

Impending Legislation The Department of Labor (DOL) published a final rule on August 29, 2011 implementing Executive Order #13495 on “Non -Displacement of Qualified Workers” under SCA contracts. This rule will not be effective until the Federal Acquisition Council issues regulations, which should happen very soon. It will pertain to every contract under the Service […]

Earthquake Insurance

Why It’s Important for Everywhere When most people think about earthquakes in the United States, Alaska and California are the first two states they think of. However, Tuesday’s earthquake in Virginia shattered this idea. The initial 5.8 magnitude quake was followed by several aftershocks, which were felt as far away as Georgia, Chicago and Toronto. […]