A Window of Opportunity and Focus on Customers Leads to Success

| posted in Blog, Newsletter

For Renewal by Andersen of Sacramento, customers are at the heart of what they do. From the company’s window installers all the way to the CEO, the local franchise of Andersen Corp. is focused on helping their clients achieve their vision for their home. The company does this by hiring passionate window experts who exceed the expectations of homeowners in the Sacramento region. A commitment to quality and a focus on their clients is why CoreMark Insurance Services has chosen Renewal by Anderson of Sacramento as its client of the month. We sat down with Karen Meier, Marketing Manager for…
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How Many Seniors Get Medicare Open Enrollment Wrong

| posted in Blog, Newsletter

Medicare can be hard to navigate, even if you’ve been enrolled for years. As open enrollment approaches – it starts Oct. 15 and runs through Dec. 7 – you’ll want to pay attention to some of the most common mistakes people make. Not understanding the difference between Original Medicare and Medicare Advantage – With Original Medicare, there is typically no premium for Part A coverage if you or your spouse paid Medicaid taxes while you were working. However, you do pay monthly premium for Part B coverage. Also, with Original Medicare, you can usually see any doctor or specialist you…
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Three Troubling Trends Affecting Workers’ Comp

| posted in Blog, Newsletter

While U.S. employers are seeing fewer industrial accidents thanks to more employers putting a premium on workplace safety, some emerging trends threaten to seriously affect this trend and usher in higher workers’ comp premiums. Today, it’s not enough to just keep a safe workplace. You should have policies in place to avoid these emerging threats – and also instill them in management. Three particularly troubling trends are as follows: More workers injured in traffic accidents This is a biggie and one that’s harder for employers to manage. There has been a significant uptick in motor vehicle accidents in the last…
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Reference Pricing Can Reduce Medical Outlays, Costs

| posted in Blog, Newsletter

In an effort to coax health plan participants to use price-shopping behavior when deciding on where to have a procedure, more insurers are starting to roll out a system known as “reference pricing.” With reference pricing, the health insurer imposes a limit on the amount it will pay for a particular procedure – a limit that is reasonable and allows access to care for patients. The price is usually a median or average price in the local market. When a health plan participant selects a provider that charges less than the cap, they will receive the standard coverage with little…
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The Opioid Crisis’ Effect on Your Business

| posted in Blog, Newsletter

The U.S. Centers for Disease Control and Prevention has reported that opioid prescriptions nearly quadrupled between 1999 and 2013. Prescription opioids include medicines such as Vicodin, morphine and methadone. Opioid addiction is a tragedy for individuals and their families, but it is also having a profound impact on businesses and organizations. Consider: An economist at Goldman Sachs reported in July 2017 that addiction to opioids is partly responsible for the failure of many prime working-age men to rejoin the workforce since the end of the Great Recession. The National Safety Council has reported that 39% of employers have experienced absenteeism…
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Five Tips for Streamlining Your Insurance Policy Audit

| posted in Blog, Newsletter

Are you due for a workers’ compensation premium audit? Audits are how insurance rates are determined, and it’s possible that an audit will uncover information that can actually save you money. Additionally, audits are important to make sure that your employee counts and job descriptions haven’t changed, so that the premium can accurately reflect your current operations. The audit can be stressful, but the key is preparation. These five tips can help you get ready: Tell your broker when there are changes in your staffing, payroll or areas of operation – This is important not just at audit time, but…
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Give Your Workplace First Aid Program a Checkup

| posted in Blog, Newsletter

Workplace injuries cost employers hundreds of billions of dollars every year. The direct costs of paying workers’ compensation payments to injured employees now tops $1 billion every week, according to information from the Occupational Safety and Health Administration. While most companies focus on workplace safety and try to keep their employees safe from industrial accidents, they must also keep on hand proper first aid kits. And if you haven’t updated your kit in the past few years, you should know that OSHA in 2015 changed the minimum allowable standard for basic first aid kits. Here’s what you need to know:…
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What Keeps Business Owners up at Night?

| posted in Newsletter

Business owners have a lot of risks on their minds these days. Complying with regulations, holding on to their best workers, the constant threat of computer hackers, increasingly unpredictable weather – all of these have businesses worried. According to the “2016 Travelers Risk Index” from the Travelers Companies, fewer business leaders saw the world as riskier than they did the year before. However, they expressed concern about the following factors: Medical/employee benefit cost inflation. The rising cost of medical care is the top concern for all businesses. This worry is rational: Government data shows that medical costs rose by nearly…
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New Notice Requirement for Victims of Violence

| posted in Blog, Newsletter

On July 1, a new notice requirement went into effect for California workplaces concerning the rights of victims of violence or stalking. Under the new rule, employers with 25 or more workers must provide new employees with written notice about the legal rights of victims of domestic violence, sexual assault or stalking to take time off for medical treatment and legal proceedings. The notice spells out their rights under existing California law that they are entitled to take protected time off from work to do this, meaning you cannot take action against those employees for exercising their rights under the…
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’Surf-by’ ADA Lawsuits Could be Next Legal Trap for Businesses

| posted in Blog, Newsletter

No doubt you’ve heard of the “drive-by” Americans with Disabilities Act lawsuits that are filed by plaintiffs who see ADA violations at businesses (like entrances that are inaccessible by wheelchair) just by driving by the location. Now, recent court decisions could pave the way for a new class of ADA claims where disabled individuals have trouble navigating a company’s website – call them “surf-by” claims. Courts recently ruled in favor of plaintiffs who have sued retailers – in two separate lawsuits – claiming violations of Title III of the ADA by having websites that could not be used by disabled…
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