September is National Life Insurance Awareness Month

People buy life insurance for the death benefit to help replace income and cover daily expenses. Life insurance can also help protect your financial future with a death benefit you can use for: Mortgage payments College tuition Child care Everyday

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If You Like Your Health Care Plan, You Can Start Beating Your Head Against the Wall Now

If you like your health care plan, tough luck – if you’re on a Medicare prescription drug plan: More than 3 million seniors may have to switch their Medicare prescription plan next year, even if they’re perfectly happy with it,

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Preventative Care Provision: Interim Rules Health Reform Update

As you may know, the health care reform law includes a provision requiring health insurers to cover preventive services with no member cost sharing. Recently-published interim final regulations clarify this provision. Non-grandfathered plans issued or renewed on or after September 23, 2010, will not include member cost sharing or copays for the following preventive care provided in-network:

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The Best Life & Health Policy Ever

If you would like to know more about how to get this policy, please CONTACT US:

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Grandfathering Allowed: Final Regulations Update

As we recently communicated with you, the federal government has issued Interim Final Regulations for the grandfathering provision. Because there are advantages to grandfathering, we will grandfather most standard and non-standard plans in our portfolio. To help you better understand what this means to you, we’ve put together this Grandfathering Fact Sheet. It explains:

£ More about grandfathering

£ What changes can be made without losing grandfathered status

£ What changes will result in losing the grandfathered status

This is an important provision for many individuals and group policyholders. You can expect more information about grandfathering, including how we will implement it. As always, please talk with your consultant if you have any questions.

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Motorcycle Safety and Awareness Month – Accidents Happen are you properly Insured?

May 1, 2010 — Governor, and motorcyclist, Mitch Daniels has proclaimed May to be Motorcycle Safety and Awareness Month in the State of Indiana. The Governor joins ABATE of Indiana in urging motorists to check twice in looking for the motorcyclists with which they share Hoosier highways.

Accident data indicates that in multiple-vehicle accidents, the driver of the other vehicle violated the motorcyclists’ right-of-way and caused the collision in two-thirds of those crashes. Statistics show that multiple-vehicle accidents account for approximately 75 percent of all motorcycle accidents. Cooperation between all road users is essential to successful traffic management and roadway safety.

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On Site Clinics – No Silver Bullets or Quick Fixes but there is hope

The most significant tool available today that creates an environment for change and potentially creates a win/win situation for all involved if managed by the most appropriate team without conflict of interest…Work Site-Clinics. It’s not the be all by itself but it may be the Keystone that can be a dynamic and central part of the solution.

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United HealthCare: African-American Small Business Campaign Scheduled

a national direct-mail campaign in early April to support Generations of Wellness®, a program created to serve the health needs of African-American small businesses and families. This campaign is directed to African-American small-business owners and companies with large percentages of African-American employees.

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Federal Mental Health Parity Interim Final Regulations Explained

The Federal Mental Health Parity Act requires our fully-insured employers with 50-2,999 employees, as well as self-funded customers, to offer the same level of coverage for mental health and substance use disorder services as that offered for medical and surgical services through their plan.

The 154-page Federal Mental Health Parity Interim Regulations and comments, were published in February in the Federal Register. Highlights of new/updated information from the interim regulations are as follows:

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INdiana Labor Insider January & February 2010

The January/February 2010 edition of the Indiana Department of Labor’s bi-monthly newsletter, INdiana Labor Insider, has been attached to this email. This newsletter was created to inform employers and employees about the latest information about the department, health and safety and labor related issues. To read past editions of the INdiana Labor Insider, please visit the Indiana Department of Labor’s website at

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