Do your employees need a supplemental accident benefit if they have a health plan?

Supplemental benefit accident health insurance with Allstate for small businesses explained #localagent #businessinsurance #accidentinsurance

Savvy employers are using this insurance to help workers to fill coverage gaps. A supplemental accident benefit, like other types of supplemental insurance policy, is a type of coverage that fills the gap left behind by many types of traditional health plan. Employers are increasingly offering this coverage as an appealing way to draw talented, loyal employees.  Employers give the employee the option to pay all or some of the costs of this coverage. Adding a supplemental accident benefit and other similar forms of “sidekick” coverage to a benefits package,…

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How to Prevent Accidents When Driving Through Oregon’s Varying Weather Conditions

GEICO Insurance - Driving on winter roads

As a competent driver with plenty of experience, you likely know what a challenge it can be to drive in inclement conditions.  Heavy rainfall and fog can reduce your vision on the road to just a few yards, drastically decreasing the time you have to react to hazards. In addition, you have to be extra careful with your wheels moving on the slick surface of a road in the rain. And the streets only get more slippery during winter when covered in ice.  Oregon drivers will recognize all of these…

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What You Need To Know About Car Insurance Fraud

car insurance fraud and how to avoid it

While you may typically think of car insurance as a way to protect you in case of an accident, others may look at car insurance as a way to make money off of others. Car insurance fraud occurs when someone purposely tries to gain money or benefits that they know they are not eligible to receive.  Even if you do not participate in car insurance fraud, you can still be a victim of someone who does. By understanding these facts about car insurance fraud, you will be able to protect…

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Disability insurance for professionals: Yes, they need it

disability insurance

Medical and legal professionals need this coverage as much as – if not more than – other professions. Professionals need disability insurance to provide them with income for maintaining their accustomed lifestyle until they receive medical clearance to return to work again. Illness is the leading reason for claims filed on disability plans. Professionals such as doctors, dentists, lawyers and others often overlook disability insurance. This is often because the coverage is associated with jobs requiring physical labor. However, an illness or injury can interrupt a doctor or lawyer’s capacity…

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Why Do You Need Health Insurance Even When Under 30?

Need health insurance

When young and healthy, most people think that health insurance is not necessary. Many even say that it is just too expensive to warrant offered benefits. This is definitely not the case. Getting health insurance is one of the best things you can do, no matter what your age is. There are various things that can be said about health insurance so let us focus on those facts that are highly important. Health Insurance Is Affordable Many say that health insurance is not affordable. This is not actually the case.…

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Pet insurance policies are increasingly commonplace as employee benefits

pet insurance policies company

Employers are seeking to draw younger talent by offering them unique additional forms of coverage. Companies that are looking for the best talent find themselves facing a great deal of competition and pet insurance policies are often used to help them to shine above rivals. Today’s younger workers don’t necessarily want the same benefits as those ten years or a generation older. Health insurance isn’t covering as much but plans with more coverage are very expensive for businesses. Over the next month, many companies are adding other types of benefits…

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Cancer insurance is helping to plug some coverage holes

Cancer insurance health plan

This type of voluntary benefits is among a growing number of gap coverage being purchased by Americans. Employers and individuals, alike, are starting to look into a type of coverage product known as volunteer benefits – such as cancer insurance – which can help to fill the gaps present in some of the most popular health plans. These are rising in popularity as people start to see that a number of critical illnesses can still run up huge expenses. While cancer insurance is far from the only product in the…

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