A business may consider its investments, properties and equipment as assets, but what about its employees – key employees in particular? A key employee is an individual who possesses certain skills or abilities that are crucial to the organization and its operations. If this individual were to pass away, the organization could incur a…
As an independent insurance agency, Curtis Insurance Agency works to help you find the right coverages at the best value for you home, family and business. We: Are licensed professionals with strong customer and community ties. Give you excellent service and competitive prices because your agent can access the insurance coverage from more than one…
Are you thinking of finally hanging up your hat and taking the plunge into the fun and relaxation of retirement? It takes some planning to get the financial pieces in place before you retire. Here are some insurance considerations I can assist with… Annuity – To make sure your money—and your lifestyle—will last as long as you do, you…
The State of Michigan Department of Insurance and Financial Services announced today that it is “allowing health insurers to reinstate canceled policies.” Also, “the decision allows insurers the option to reinstate policies that were discontinued on Jan. 1, 2014, due to non-compliance with provisions in ACA.” “Option” is the key word. Soon after the state…
In early November we were to be in the busy process of matching uninsured people to new health plans, and helping current Individual market policy holders transition to those same plans. As you know, not much of this has gone as expected. So, one month after the planned opening of the Federal Marketplace, what do we know about…
Advice: contact an agent to help you find accurate pricing for 2014 plans. According to this CBS News report, healthcare.gov now allows you to see plans in your area, but only shows pricing for two age “group” – under 50 and over 50. And they use rates for ages near the bottom of each range.…
As we near the end of October, I am receiving more and more questions about Health Care for 2014. “Is my plan really going away?” “How much subsidy will I get?” “If my child is on my tax return, what income do I have to declare?” “What are these gold, silver, bronze things all about?”…
Have questions about recent news stories regarding the rollout of the Affordable Care Act? Not sure if you will qualify for a subsidy? Want to know what the penalties are all about? We have answers and can discuss the 10 Essential Health Benefits contained in all 2014 plans. For info contact Greg Clay at 248.628.3604.
October 1 marks the opening of the Federal and State Marketplaces for Health Insurance. What does this date mean for you? If you currently have an employer plan, and your employer is continuing your group coverage into 2014, it likely will not have a large impact on your health plan. However, if you are self-employed, or…