Entries by Carol LaCombe

2022 Set to be “Hangover” Year From 2021’s Cyber Epidemic

Natural disasters and supply chain disruption—already a challenge for the broader insurance industry—are poised to become more of a problem for the cyber sector in 2022, Experian predicted. Charitable organizations and individuals will likely see an uptick in phishing attempts designed to provoke emotional responses in times of stress. Post-disaster donation scams have already cropped […]

Surprise Billing: Know Your Benefits

Understand Your Rights Against Surprise Medical Bills The No Surprises Act protects people covered under group and individual health plans from receiving surprise medical bills when they receive most emergency services, non-emergency services from out-of-network providers at in-network facilities and services from out-of-network air ambulance service providers. It also establishes an independent dispute resolution process […]

What Happens If I Miss Open Enrollment?

An open enrollment period is a short period of time when you can enroll in or make changes to your employee benefits elections. Possible changes include adding or dropping coverage, adding or removing dependents, or enrolling in benefits for the first time. Open enrollment is your opportunity to take advantage of important benefits, such as […]

Leaving Home

As fall approaches, many will be sending their child off to live at school. When a child moves out of the home, it can be both exciting and heartbreaking. As one phase of life is ending, another wonderful one begins. However, the danger lurking within the parents’ home and auto insurance, as well as within […]

There’s More to Life Insurance Than Most People Think. A Lot More

Of course, everyone generally understands that a life insurance policy helps provide protection for loved ones should you pass away. But, depending on how you plan it out, life insurance can specifically help with financial situations arising out of: Family growth Age Occupation End of life Beyond being an asset in all phases of life, […]

Summer Home Maintenance Tips

Summer is finally here, and it’s a perfect time to catch up on home maintenance tasks, both inside and outside of the house. Putting in a little elbow grease now goes a long way toward future house upkeep–making that well-deserved rest even more enjoyable. These summer maintenance tips will help keep your home looking great […]

Regulations Issued to Implement Ban on Surprise Billing

On July 1, 2021, the Departments of Labor (DOL), Health and Human Services (HHS) and the Treasury (Departments) jointly released interim final rules outlining certain requirements related to surprise billing. These rules implement certain provisions of the No Surprises Act, which is a ban on surprise medical bills effective in 2022 that was enacted as […]

Cyber Risks and Liabilities

Ransomware Considerations for Board Members Organizations of all sizes and sectors are facing increased cybersecurity risks. Specifically, ransomware attacks-which leverage malware to compromise a victim’s data and demand them to make a large payment to recover it-have quickly become a rising threat across industry lines. In fact, recent research found that these types of attacks […]

5 Steps to a Midyear Financial Review

Summer is the perfect time for barbeques, but it’s also good opportunity to take the pulse of your saving and spending plan with a midyear financial checkup. With the first part of the year in the rearview mirror, a quick look at your monthly budget can yield valuable insight into whether you’re on track to […]

Saving for Retirement: Are you Ready?

Presented by: Matt Clayson Will I have enough money to retire? It’s a common question and one that has increased in magnitude lately – especially for people in their 40s and 50s. Indeed, a MassMutual study in 2018 found that the greatest worry for those on the edge of retirement was not having enough money […]