On August 31st, New York’s Department of Financial Services (DFS) published the NY Paid Family Leave (PFL) rate for the 2019 calendar year. For 2019, the maximum contribution rate for Paid Family Leave will go from 0.126% to 0.153% of the employee’s gross annualized wages capped at the new annualized New York State Average Weekly Wage […]
Why Healthcare in the U.S. is so expensive.
Nobody expects to be disabled. Nobody wants to think about being disabled. This only happens to other people… Until, it strikes out of nowhere. A car accident, a knee injury, a back injury, a stroke, heart attack… You need to protect yourself with some kind of disability plan that can protect […]
Choices can be sometimes hard to make. You are in your car. The ever present phone rings, beeps, chirps, vibrates, it does something. YOU are driving, but our addiction to this device does not stop us from the desire to see what we are missing. We see it too many times […]
Employers are finding it difficult to give their employees benefits that have real value. Trying to maintain even a core benefit like health insurance is becoming harder and harder due to the escalating cost. There is an answer to those employers who want to give their workers something that can be […]
Energy Supply Opportunity 2019 and Beyond
Seems like someone had an epiphany after being stopped for suspected drunk driving. Not sure if it works but it sure is different. A new app for testing to see if you are drunk. Now the website says for entertainment purposes only, but if it will stop just one drunk from […]
The mere thought of this makes people cringe. It is a question periodically asked by people. Should I put life insurance on my children? There is a question that needs to be asked first. Does the adult, parent, or guardian have enough life insurance? If the answer can be an honest […]
This information was compiled to help consumers answer some of the most frequently asked questions about homeowners insurance. Please note, these are general responses. Consumers should check with their state insurance department to verify their positions. Additional questions or comments should be made to the appropriate state department of Insurance. Why […]
Are there any specific time limits for an insurance company to pay for collision or comprehensive claims? Some states have specific time limits for the settlement of claims. In general, insurance companies should pay all claims in a prompt and reasonable amount of time. However, what constitutes “prompt and reasonable” may […]