Brooks, Todd & McNeil Agency Blog
The Real Cost of Skipping Workers’ Comp: Legal Risks Employers Can’t Ignore
Skipping workers’ comp does not save money. It creates consequences that carry serious legal, financial, and operational harm. What begins as a business insurance budgeting decision can quickly become a legal crisis. Employers who operate without required workers’ compensation insurance expose themselves to lawsuits, regulatory penalties, and, in most states,...
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Fire Prevention Week is celebrating its 100th Anniversary this October! The week, which is dedicated to raising awareness and reducing risk of fire-related death and injury, will run from October 9 - 15th. "Fire Won't Wait. Plan Your Escape." This year's theme for Fire Prevention Week is "Fire won't wait.…
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Medicare Advantage enrollment is increasing across the country, and it could skyrocket to new record highs. The Medicare program has expanded beyond what the government offered several decades ago. Among other changes, the Medicare Advantage option became a possibility in 2003, after former President Bill Clinton signed Medicare+Choice into law…
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Preparing your home for fall is essential to avoid issues that could develop down the line in the colder months. Dropping temperatures signal a busy time for businesses as customers gear up for the holidays, but they can also bring trouble on the home front. Fall is the perfect time…
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Bombarded by Medicare information? Don’t let Medicare mail fool you. As we approach Medicare’s Annual Enrollment Period, Medicare-eligibles will start to receive a lot of information about Medicare and their medical insurance options (hospital insurance, medical insurance, drug coverage), especially through brochures and mailers advertising the best Medicare Advantage plans…
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Medicare Advantage is an essential resource and a valuable supplement for its over 26 million enrollees that use it in their plan. The private insurance supplement should complement insureds’ existing coverage under Medicare and offer additional benefits such as prescription drugs, vision services, and dental visits. With the cost of Medicare rising and…
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Knowing how to fight against ransomware is essential to protect your business from irreversible harm is critical. Businesses have become popular targets for cyber attacks. Ransomware is a common malware that prevents people from accessing their files or computer systems. The criminals then demand payment of a ransom under the…
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Don’t worry, you still have options. If you are eligible for the federal Medicare program, the Medicare Annual Enrollment Period (AEP) allows you the opportunity each year to enroll in a new plan or switch plans. The Annual Enrollment Period runs from October 15th to December 7th and allows 7…
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Working Past Age 65? Even if you are still working and covered by your employer plan, you are first eligible for Medicare during what’s called your Initial Enrollment Period (IEP). The IEP begins 3 months before the month of your 65th birthday and ends 3 months after the month of…
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The Basic Parts of Medicare (Parts A, B, C and D) There are four parts of Medicare. You have likely heard about Original, or Traditional, Medicare, offered by the federal government, which most United States citizens are eligible for at the age of 65. Original Medicare covers Part A and…
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Contact our experienced independent insurance agents for quotes on all your personal insurance needs. Our agents will help find you the best coverage, prices and protection for you and your loved ones. We are conveniently located in the Connecticut towns of Torrington, South Windsor, Enfield and the South Carolina towns of Spartanburg and Mullins.
