Entries by Carol LaCombe

DOL Audits

Over the past year a number of contractors have been subjected to audits by Department Of Labor (DOL) Investigators. ARRA (American Recovery and Reinvestment Act) funding has reinvigorated enforcement activities. It has also become apparent that these audits are becoming more complicated to resolve. In some cases the audits have increased in complexity; with the […]

Client Spotlight: Captain Al’s Restaurant

If you are looking for a way to beat the heat this summer we suggest a visit to Captain Al’s Restaurant & Tiki Bar.  Captain Al’s is a casual, family style seafood restaurant located adjacent to Continental Marina in Buzzards Bay on the Upper Cape. In addition to an extensive menu with delicious food and […]

Retirement Income Planning: The Total Return Approach Vs. the Bucket Approach

Presented by John B. Steiger Most working Americans have only one source of steady income before they retire: their jobs. When you retire, however, your income will likely come from a number of sources, such as retirement accounts, social security benefits, pensions, and part-time work. When deciding how to manage your various assets (whether personally […]

Terrorism Insurance

Before the 9/11 attacks, insurers didn’t charge for terrorism insurance, but now reinsurers believe they cannot price the risk. The Terrorism Risk Insurance Act (TRIA), enacted a year after the 9/11 attacks, makes the Federal Government the backstop for private insurance companies in the event of such catastrophes.  A terrorist act that is eligible for […]

Workers Compensation Audit Issues – Sole Proprietor

The Massachusetts Workers Compensation Rating & Inspection Bureau has updated audit guidelines related to the hiring of sole proprietors and/or partnerships. These guidelines will have a greater impact on the construction field, but will impact other industries as well. It is critical that businesses obtain Certificates of Insurance from contractors or firms hired to work […]

The History of Insurance Throughout the World

Insurance has a history that dates back to the ancient world. Over the centuries, it has developed into a modern business of protecting people from various risks. The industry has been profitable for many years and has been an important aspect of private and public long-term finance. First forms of insurance In the ancient world, […]

Workers Compensation – Out of State Issues

Do your employees travel to states other than where your business is domiciled? Do your employees perform work in other states? Understanding how Workers Compensation laws respond to interstate operations is important to ensure that you are in compliance with state employment laws. Workers Compensation insurance is regulated at the state level. Benefit schedules for […]

Client Spotlight: Road To College

Spring is right around the corner. For high school seniors, a lot will take place over the next few months. Between academics, sports, social activities like prom, and graduation looming, you have to make sure to stay on track with your college planning. Our client, Road To College™ , can help! Road To College™ is […]

Understanding The HHS Rules For Essential Health Benefits

Health and Human Services (HHS) ruled to establish the future of insurance issuer standards and health insurance exchanges for actuarial value and essential health benefits under the Patient Protection and Affordable Care Act (PPACA). The final rule creates a plan for when federal facilitated exchanges should accredit qualified health plans. When the PPACA goes into […]

Spring Cleaning Safety

Ah, springtime. That glorious time of year when you suddenly realize the lawn needs mowing, the garden needs weeding and the house could use a fresh coat of paint. But with many families’ budgets a little tighter this year, buying new spring-cleaning tools isn’t always possible. Using last season’s tools is a good idea, provided […]