The Mid-Ohio Youth Mentoring Comedy Benefit Show Is This Saturday!

Mid-Ohio Youth Mentoring

Mid-Ohio Youth MentoringMid-Ohio Youth Mentoring, formerly known as Big Brothers Big Sisters of North Central Ohio, is a well known local program. They have mentored children, ages 5 through 16, in communities across Mid-Ohio for the last 25 years.

Visiting their website you can see their mission

“Our mission is to provide youth in our community with a mentor that supports, encourages, and provides opportunities, that will help them achieve success in life.” 

In order to make their mission successful, they need donations.

One popular event they hold annually is the Mid-Ohio Youth Mentoring Comedy Benefit Show. This year’s show is Saturday October 12th at 7pm. To get your see more details and purchase your tickets, visit their website. 

https://www.midohioyouthmentoring.com/calendar/2019/10/12/comedy-benefit-show-a-night-of-improv

Help us support them by spreading the word. 

Mid-Ohio Youth Mentoring Comedy Show

How To Stay Healthy And Avoid The Flu This Fall

avoid the flu

avoid the fluIt’s that time of year again. The leaves are changing, the temperature is getting cooler, and you’re doing everything you can to avoid the flu. No one enjoys being sick, but some of us are more prone to sickness than others. Knowing where you are most likely to come into contact with germs and what you can do to prevent sickness are key for this fall season. 

Germ Hot Spots

There are several “hot spots” to keep in mind when it comes to germs. 

  • Doorknobs
  • Light Switches
  • Elevator buttons
  • Water fountain handles
  • Microwave door handles
  • Telephones
  • Bathroom faucets
  • Handrails

These areas are high traffic areas that can be touched by numerous people. When you touch a doorknob you never know if the person who touched it before you sneezed into their hand and didn’t was it. Yuck! 

What You Can Do to Help Yourself Avoid The Flu

  • Wash your hands. Even if you are cautious of what you touch, there is a chance you’ve still come into contact with some germ. To protect yourself from illness, it’s important to wash your hands regularly, especially before you eat or after you cough, sneeze or use the restroom. 
  • Keep your distance. Illnesses can spread fast. Keep your distance from others who are sick. 
  • Get the flu shot. Yearly flu shots are the single best way to prevent getting sick. Contrary to popular belief, flu vaccines cannot cause the flu, though side effects may occur. Often, these side effects are minor and may include congestion, coughs, headaches, abdominal pain and wheezing. 
    • Did you know many health insurance plans cover the flu shot at 100% or a small copay? If you need help determining your health insurance benefits, we can help. Give us a call or click here or here to learn more about health insurance benefits.

Taking the extra time to wash hands and wipe down surfaces could mean the difference between a happy fall and an unpleasant fall spent on the couch sick. Stay healthy and do your part to spread the word to others. 

Answers To The 7 Most Frequently Asked Benefit Questions

Frequently Asked Benefit Questions

Frequently Asked Benefit QuestionsWhen it comes to benefits, such a health insurance, many can agree that it is confusing. Unless you are involved in health insurance or Human Resources it can be hard to make sense of everything. We have compiled a list of some of the 7 most frequently asked benefit questions and their answers to hopefully make things a little easier to understand. 

What is a Deductible?

A deductible is the amount of money you or your dependents must pay toward a health claim before your organization’s health plan makes any payments for health care services rendered. For example, a plan participant with a $100 deductible would be required to pay the first $100, in total, of any claims during a plan year.

What is Coinsurance?

On top of your deductible, coinsurance is a provision in your health plan that shows what percentage of a medical bill you pay and the percentage a health plan pays.

What is an Out-of-pocket Maximum (OOPM)?

An OOPM is the maximum amount (deductible and coinsurance) that you will have to pay for covered expenses under a plan. Once the OOPM is reached the plan will cover eligible expenses at 100 percent.

What is an Explanation of Benefits (EOB)?

An EOB is a description your insurance carrier sends to you. It explains the health care benefits that you received and the services for which your health care provider has requested payment.

What is a Preferred Provider Organization (PPO)?

A PPO is a group of hospitals and physicians that contract on a fee-for-service basis with insurance companies to provide comprehensive medical service. If you have a PPO, your out-of-pocket costs may be lower than in a non-PPO plan.

What is Utilization Management (UM)?

Utilization Management is the process of reviewing the appropriateness and the quality of care provided to patients. UM may occur before (pre-certification), during (concurrent) or after (retrospective) medical services are rendered. 

For example, your health plan may require you to seek prior authorization from your UM company before admitting you to a hospital for nonemergency care. This would be an example of pre-certification. Your medical care provider and a medical professional at the UM company will discuss what is the best course of treatment for you before care is delivered. UM can reduce unnecessary hospitalizations, treatment and costs.

What is a High Deductible Health Plan (HDHP)?

An HDHP is a type of insurance plan that offers a low premium offset by a high deductible. Because of the low cost of the plan, the insurer will not cover most medical expenses until the deductible is met. As an exception, preventive care services are typically covered before the deductible is met. HDHPs are often designed to be compatible with heath savings accounts (HSAs). HSAs are tax-advantaged accounts that can be used to pay for qualified out-of-pocket medical expenses before the HDHP’s deductible is met.

We hope you found this list of 7 most frequently asked benefit questions and their answers helpful. If you did, please take a moment to share this post. 

Would you like to know more about health insurance? Click here for Individual or Click here for Employee Benefits. 

Join Us For An eWaste Recycling Day September 28, 2019

eWaste Recycling Day








Everyone can probably agree that they have a pile of old electronic devices or equipment just laying around taking up space. Personal or Business alike. Most of these items you can not simply just throw in the trash, and it usually costs money to dispose of them. Because of this inconvenience, we have decided to partner with Richland Newhope Industries and Celina Insurance to hold an eWaste Recycling Day. And it will conveniently be held right at our office! 

Join us September 28, 2019 for an eWaste Recycling Day

This event will run from 8:30 am – 11:30 am or until capacity is reached. Below is a flyer that shows the accepted and not accepted materials. You can also find information on the Facebook Event Page

 

eWaste Recycling Day

Help us spread the word about the eWaste Recycling Day event!

 








3 Ways Your Cell Phone Is Harming Your Sleep

harming your sleep








harming your sleepThe personal electronic devices that help make your daily life easier may be doing the opposite in regard to your nightly sleep habits. If you’re having a hard time falling and staying asleep, your cellphone, TV and tablet may be to blame. Keep reading so see how these devices are actually harming your sleep. 

The Negative Effects

Researchers at Harvard identified three main ways that using your phone, or any electronic device, before going to bed can derail your sleep schedule:

  1. Melatonin suppression. The Harvard study revealed that those who used electronic devices before going to sleep had lower levels of the sleep-regulating hormone, melatonin. That’s because the blue light emitted by electronic devices suppresses the production of melatonin. Melatonin controls your circadian rhythm—your body’s natural sleep and wake clock.
  2. Later sleep onset. The study also found that the amount of time it took to fall asleep was longer for those who used electronic devices than for those who didn’t. If you’re mindlessly scrolling through social media sites instead of reading a book or meditating, it’s more likely that you’ll have a harder time falling asleep.
  3. Reduced REM sleep. Research shows that electronic device usage before bed results in a reduced amount of rapid eye movement (REM) sleep cycles. REM sleep is a vital component of our sleep patterns.

What Can You Do?

To prevent the harmful effects of electronic devices, there are a few steps that you can take, including:

  • Check your device’s settings for a “nighttime” mode, which adjusts the screen lighting to promote sleep.
  • Refrain from using your phone for at least an hour before bed.
  • Set your device’s sound settings to “silent”. This way you won’t be woken by texts or emails while you’re trying to sleep.
  • Try reading a book or meditating to relax before bed instead of using your phone or watching TV.

For more information on sleep-promoting activities, contact your doctor today.








How To Save Money On Auto Insurance

save money on auto insurance








In today’s world, everyone is looking for ways to make the most out of every dollar. Insurance premiums can be a large expense in most households. Even though auto insurance is something you are required to have, it doesn’t have to break the bank. We have a few recommendations that could help you save money on auto insurance premiums.

Click here for auto insurance details

Consider a higher deductible

The higher the deductible the lower the premium. A deductible is the money you the insured will pay before the insurance company pays out. If you have a $250 deductible and the total cost to fix your car is $2,000, you pay $250 then the insurance company will pay the remaining $1,750. However if you have a $1,000 deductible the insurance company will pay $1,000. By paying a bigger portion of a claim, your monthly premium will be lower. You pay premiums monthly, however, you will only pay your deductible if you have a claim. Why not save yourself money every month?

Keep a good driving record

Your auto premiums are a direct result of your driving record. This amount is determined by the insurance company to cover costs of insuring you and your family as drivers on the road. If you have no accidents or moving violations on your records, you may be eligible for a lower rate or good driver discounts.

Check if you qualify for low mileage discounts

Many insurance companies have “classes” of drivers based on how many miles they drive their car annually. Check to make sure your insurance agent has the correct mileage for you and if you qualify for any low mileage discounts.

Multi Line Discounts

Many insurance carriers offer auto, home and renters insurance. As a result, if you have your auto and home or renters insurance with the same company, you could qualify for additional discounts. This is not only a good way to save money, but a great convenience as you only have to contact one company or agent for monthly payments, questions, changes or the unfortunate event of a claim.

Click here to learn about homeowners insurance

Click here to learn about renters insurance

Work with an independent insurance agent/agency

By working with an independent insurance agent/agency you have more insurance companies available to you. A captive agent works with one company, an independent agent works with multiple companies. This works in your interest as they can shop insurance companies for you and find the best fit for your needs at the best rate. They can do the work for you to help you save money on auto insurance.

We’re here to help. Whether your a current customer or not a customer at all, give us a call and we can start looking into ways to help you save money on auto insurance today.

 








The History of Labor Day and Why We Observe It

Labor Day








Labor DayMonday September 2, 2019 is Labor Day. Labor Day is observed the first Monday in September with many employers closing their business and giving employees the day off. 

According to History.com: 

Labor Day pays tribute to the contributions and achievements of American workers. 

Facts 

  • It became a federal holiday in 1894.
  • It was created by the labor movement in the late 19th century.
  • In the 1800 the average work day was 12 hours long and you worked 7 days a week.
  • It symbolizes the end of summer for many Americans.

Many families choose Labor Day weekend to have one last get together for the summer. Cookouts, parades, and athletic events are popular long weekend fund. Remember to recognize the hard workers in your family when celebrating this year.

If you want to learn more you can find great information by visiting History.com or Dol.gov 

 








You Need To Know These 4 School Bus Safety Tips

School Bus Safety








School Bus SafetySummer is almost over and our local schools are gearing up for the new school year. With school back in session, that also means school buses will be back on the road. Chances are you’ve gone over some school bus safety tips with your kids and what they need to know as riders. But have you reviewed the school bus safety tips you need to remember as a driver? Or gone over them with your new teen drivers? 

School Bus Safety

Being extra cautious around buses are critical. After all, they carrier the most precious cargo. In the next few weeks when you start seeing buses on the road, keep in mind these 4 school bus safety tips. 

  1. Be prepared to stop when you see the bus driver turn on the flashing red lights and raise the stop sign; a passenger is getting off.
  2. Never pass a stopped school bus that is unloading students.
  3. Remember that buses stop at railroad tracks so keep your distance as you approach them.
  4. Obey speed limits in school zones and give school buses the right-of-way

Start the new school year off on the right foot. While the increased traffic is a little of on inconvenience, everyone’s safety should be the #1 concern this year.

From your friends at Rinehart-Walters-Danner Insurance, have a great 2019-2020 school year! 








7 Small Business Insurance Policies You Need To Have

small business insurance








small business insuranceWith so many different types of insurance to choose from, it can be overwhelming to determine what type of small business insurance you need. We are here to help. Let us explain the types of insurance policies available and how they can help protect you, your employees and your business’s bottom line.

Commercial Property Insurance

In the case of a catastrophic event such as a fire, explosion, burst pipe, storm or theft, commercial property insurance can help. Commercial property insurance compensates you for losses or damage to your building, leased or owned equipment, and other property on the premises. In fact, commercial property insurance can cover items such as furniture, inventory, computers and anything that would be considered necessary for performing normal business operations.

Commercial property insurance is typically purchased as a stand-alone policy or as part of a comprehensive business owner’s policy that includes property and general liability coverage. Commercial property insurance is offered on either a replacement cost or actual cash value basis.

  • Replacement cost: Pays the cost to replace or repair the damaged property with materials of like kind and quality, without any deduction for depreciation.
  • Actual cash value: Pays the cost to repair or replace the damaged property, minus depreciation.

General Liability Insurance

General liability insurance policies typically cover an organization for claims involving bodily injuries and property damage resulting from its products, services or operations. What’s more, this form of insurance can help cover medical expenses and attorney fees resulting from bodily injury or property damage claims for which your organization may be legally responsible.

General liability insurance policies typically have four coverage elements:

Premises liability. Covers you in the event that a person who is not employed at your business becomes injured on your property. If someone sued your business because they tripped and fell on your property, liability insurance can help cover those expenses.

Products liability. Covers you if a product or service causes injury to someone’s body or inflicts damage on a consumer’s personal property. If you’re a tech company that broke a customer’s computer while performing a service on it, those damages could be covered.

A personal injury. Is when your business inflicts a physical, financial or mental injury to a third party. For instance, let’s say you take action in detaining someone who you had reason to believe was stealing from your store. If it turns out your accusations are false and the person decides to sue you, you’d be covered under your general liability policy.

Advertisement injuries. Are caused by alleged misinformation, copyright infringement or slander made by your company. For Example: If you were advertising a product that claimed it could help clear acne and it ended up making a consumer’s acne worse, That could be considered an advertisement injury.

Overall, a general liability policy is beneficial for covering any medical bills or legal costs that accrue if the injured third party decides to sue your business.

Employment Practices Liability

Employment practices liability insurance (EPLI) is a form of insurance that covers wrongful acts that occur during the employment process. The most frequent types of claims covered under an EPLI policy include:

  • claims of discrimination
  • wrongful termination
  • sexual harassment
  • retaliation.

These policies will reimburse your company against the costs of defending a lawsuit in court, and for judgments and settlements. EPLI covers legal costs, whether your company wins or loses the suit. However, these policies typically do not pay for punitive damages, or civil or criminal fines.

Workers’ Compensation

Workers’ compensation is important in the event that an employee suffers a work-related injury or illness. This type of insurance is required in most states. And it is used to cover medical bills or wage replacement for employees who experience a work-related injury.

For example, if a worker pulled a back muscle at work and was unable to perform their duties. Workers’ compensation would help in covering any physical therapy costs as well as compensating the employee for any lost wages.

Having worker’s compensation insurance can also protect your business from civil suits made by employees against your company related to their injuries.

Cyber Liability Insurance

If any part of your business is on an online platform, it is crucial to obtain cyber liability insurance. This type of coverage can protect your business from a cyber attack or interruption that can cause a loss in data, revenue and the trust between you and your customers. Cyber liability insurance is not only there to protect the internal information of your company, such as employees’ social security or financial information, but it also protects your customers’ personal and banking information.

Most cyber liability policies include both first- and third-party coverage:

  • First-party coverage is for the business itself— helping the business recover from any losses after a cyber attack.
  • Third-party coverage is to cover claims by people who have been injured because of your business being hacked.

Restoring compromised or lost data can be very costly. Cyber liability insurance is there to help cover financial losses to your business and the costs of claims made against your company by clients or other third parties who were affected.

Commercial Auto

Commercial auto insurance helps cover the costs of an auto accident if you or an employee is at fault. This coverage can help pay for damaged property and medical expenses.

Your business should consider a commercial auto policy if any of the following are true:

  • Your business owns, leases or rents vehicles such as cars, trucks or vans.
  • Your business has employees who drive their own vehicles to conduct business.
  • Your business has employees who operate leased, rented or owned company vehicles.

Professional Liability Insurance

Professional liability insurance, also known as errors and omissions (E&O) insurance, can protect your business against claims that a service you provided caused a client to suffer due to a mistake on your part or because you failed to perform a service.

Professional liability insurance can cover the cost of defending your business in a civil lawsuit for an alleged error or omission. What’s more, depending on your industry, professional liability insurance may be required by law.

While many types of businesses need professional liability insurance, you should especially consider this type of insurance if your business works directly with customers while providing services.

More Information

Contact Rinehart, Walters & Danner to help you analyze your small business insurance needs. We can hlep you decide on the right coverage for you and your growing business. You can also CLICK HERE to learn more about business insurance. 








Important Insurance Tips For Your College Student

Insurance tips for your college student








Insurance tips for your college student

High School is over and it’s time for the next big step, college. The new students schedule is done, books are purchased and the day is approaching fast for the big move. New furniture, décor and electronics are all packed and ready to go. Before your college student can begin their next adventure you have one last item to complete on your check list. Talking with your insurance agent. While that may seem like an odd item to have on your checklist, it is probably one of the most important. Your insurance agent will have important insurance tips for your college student. When your child leaves home and takes up a new residence at college, that can affect how their belongings are covered. Below are a few questions you may have when it comes to insurance and your college student.

Will my college student’s belongings be covered by my homeowners policy?

Does your child lives in a campus dorm? There is usually a small amount of coverage that would be extended from your homeowners policy. If your child has expensive items, or a lot of items, you may need to consider purchasing additional coverage. Does your child lives in off campus housing? Their belongings may not be covered at all.

Is renters insurance really necessary?

Yes. Chances are your child’s belongings will exceed the amount provided by your homeowners policy, if they are even covered at all. Renters insurance will cover the possessions in your child’s housing at a small cost. You can purchase renters insurance for as little as $15 per month. This will not only give you the extra coverage, but peace of mind that that expensive new laptop or TV will be protected in the event of fire, theft, or other disaster.

In addition to your college students belongings, the move to college can affect your auto coverage and health coverage.

Will your child move more than 100 miles away from home?

If this answer is yes and they do not keep a vehicle at school, your insurance premiums could decrease by as much as 30%. If they are taking a car with them, be sure to review your auto coverage with your agent. Make sure you have the appropriate coverage and your child understands how it works in the event of a claim.

Does my child need to purchase health insurance?

In the state of Ohio, many health insurance carriers are now required to coverage children up to age 26. This rule applies regardless of full time student status. Be sure to review your health coverage to verify the dependent age limit on your plan. Also, make sure your child has an ID card with them if they should need to see a Dr or get a Prescription. They should also understand how the coverage works and if there is any copay they will be responsible for if they should have to use the coverage.

Sending a child to college can be a scary yet exciting time for everyone. When you add your insurance agent to your list of people to talk to during this transition, it can help give you peace of mind for you and your child’s future insurance needs. Remember, your agent is a great source for insurance tips for your college student.

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