Entries by Carol LaCombe

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. […]

Business Insurance Reviews

Why Annual Reviews Matter Most new business owners are concerned that everything is favorable for the success and safety of their business, including obtaining the protection of business insurance. However, longevity and success can cause complacency. Let’s say you started your business 10 years ago with just a small space and computer desk. Today, you […]

Wessling Architects’ Integration Philosophy

Our new client Wessling Architects uses a unique, award winning integrated approach to all their design and architecture projects. According to Stephen J. Wessling, President & CEO, this approach “enhances the design process and protects the interests of our clients not only due to the efficiency, but through comprehensive professional services, strong communication, and a […]

Asset Protection

A Vital Part of a Wealth Management Plan Thanks to a soft economy, the up and down stock market, and the loss of equity in many homes, more people than ever are considering ways to protect their assets. Threats such as a forced bankruptcy filing, a frivolous lawsuit or an IRS audit are all reasons […]

SCA Health and Welfare Fringe Benefit Changes

The prevailing health and welfare fringe benefit issued under SCA increased on June 17, 2011.  The U.S. Department of Labor sent a memo dated June 10, 2011 to all contracting agencies of the Federal Government and the District of Columbia titled DOL ALL AGENCY MEMORANDUM NUMBER 210. Effective June 17, 2011 the SCA health and […]

Effective Estate Planning

Make Good Decisions Now A well-designed estate plan can help provide your family financial security – and give you peace of mind right now. The goal of estate planning is to help you accumulate, manage and conserve capital and income – taking into account your resources, goals and tax considerations – and preserve those assets […]