Now, more than ever, it’s important to make sure you have a complete financial strategy in place. Does your plan for retirement consider individual long term care insurance? It should. An individual long term care insurance policy may provide you and your employees with: relief from paying large long term care bills options that fit […]
This winter we are delighted to spotlight one of our clients Schernecker Property Services, Inc. (SPS). They are committed to delivering outstanding customer service and exceptional value. SPS is a full-service contractor that focuses on large-scale building envelope projects for condominium and multi-residential communities across New England. For more than 25 years, SPS has built […]
This fall we are pleased to spotlight our client Holyhood Cemetery. We are extremely proud of the relationship we’ve forged over the many years of working together. Our own Nancy Burns has worked with Holyhood Cemetery for well over 15 years. She knows first hand how dedicated their staff is to maintaining and preserving the […]
Donate to charity with a CRT or CLT and enjoy multiple benefits You take pride in knowing that your charitable gifts will help further the work of your favorite charitable organizations and enjoy a feeling of goodwill. When you make donations through a charitable remainder trust (CRT) or a charitable lead trust (CLT), you can […]
September is National Flood Preparedness Month If flood insurance isn’t required as a condition of your mortgage, you’re not obligated to carry it; however it may be a good investment. Consider five factors as you decide whether or not you need this type of insurance coverage. Do you live in an area with a high […]
Presented by Mike Regan In insurance parlance, a Named Insured is the person, or organization in whose name an insurance policy is written. Typically, it is the person or organization that has paid for the policy. Additional Insureds are other organizations that have been automatically added by the terms & conditions of the policy or […]
The U.S. Court of Appeals for the DC Circuit has dealt a serious blow to the Obama Administration today with a decision that calls into question the structural integrity of the “pay-or-play” mandates under the Affordable Care Act (“ACA”). Background: The plain language of the Affordable Care Act states individuals purchasing coverage from a state […]
Effective July 22, 2014 the new Health and Welfare Fringe Benefit Rates increased to $4.02 per hour. Please click here to read the All Agency Memorandum. The new rate of $4.02 per hour (up from last year’s $3.81 per hour) is required in all government contract bids or other service contracts awarded on or after […]
Business owners may not understand when to classify an individual as an employee versus an independent contractor. Proper classification of a worker as an independent contractor may save a company money and benefits, such as group health insurance. However misclassification can result in significant liability. Employers are often tempted to classify workers as Independent Contractors […]
The Affordable Care Act imposes fees on issuers of specified health insurance policies and plan sponsors of applicable self-insured health plans to help fund the Patient-Centered Outcomes Research Institute (PCORI). PCORI is responsible for conducting research to evaluate and compare the health outcomes and clinical effectiveness, risks, and benefits of medical treatments, services, procedures, and […]