ACA Compliance: Health Insurance Exchange Notices are coming. Let ADP help.

One of the greatest fears employers have is knowing that a serious compliance challenge might be silently lurking “somewhere out there” that can negatively impact their business. Clearly, some of today’s most perplexing business challenges come from the Affordable Care Act (ACA) – and one some employers haven’t even experienced yet: Health Marketplace/Exchange Insurance Notices. They are triggered by a company’s own employees, and can potentially cause lots of paperwork, time, penalties and worry. So, if you are looking to quiet this new noise before it starts– and get back to focusing on why you’re in business, watch this video to see how it’s done.

Insurance Help : How Does the Insurance Underwriting Process Work?

Almost all insurance requires you to take an application containing your personal information. Learn how the insurance underwriting process works with help from a dedicated insurance professional in this free video clip.

Expert: Doug Levi
Bio: Dedicated insurance professional holding both my property & casualty 220 license along with my life/health & variable annuity license.
Filmmaker: Christopher Rokosz

Series Description: Insurance is one of the most important things that money can buy as it protects the money you’ve already spent. Learn about insurance with help from a dedicated insurance professional in this free video series.

Lost your health insurance? BCBSNE is here to help.

Know your options. If you have a loss of health insurance coverage (due to death, termination of employment, reduction of hours, divorce, discontinuation of employer-based policy), you could get a new plan and help paying for it.

What is a buy-sell agreement? Life insurance can help

Helpful tips for business owners seeking financial protection

MS / Multiple Sclerosis Disability Insurance Claim Help and Tips Video – Disability attorneys Gregory Dell and Stephen Jessup discuss several challenges a claimant may face when making a claim for long term disability benefits due to Multiple Sclerosis. Multiple Sclerosis (MS) is often diagnosed based on MRI findings which show lesions on the brain. A disability insurance company often will not dispute a diagnosis of MS, but rather the issue becomes, how is MS preventing you from doing your job? MS is a progressive disease and you may have MS for 10-12 years without having any problems working, but then the symptoms worsen as the disease progresses and you become unable to continue to function at work. In order for you to be approved for disability benefits, you must prove to the disability insurance company that you have documented physical limitations resulting from MS that prevent you from performing the duties of you occupation. Or, if the MS is affecting your cognitive function, it is important to undergo the proper testing (such as neuropsychological testing) to demonstrate that the cognitive impairments that prevent you from doing your job are in fact caused by the physical MS disease, as opposed to a psychological disorder, such as depression. Whether the work limitations are physical or cognitive, is it crucial to have a cooperative treating physician who is properly documenting your symptoms, limitations and the progression of your MS. Please feel free to contact any of our disability attorneys for a free consultation to discuss your disability insurance claim.

Insurance Claim Help – Where to find online insurance claim help?!

Insurance claim help? Click on the link to get FREE online insurance claim help. Why? This video will explain what they really talk about behind closed doors. You need insurance claims help!

The Incredible Truth on Insurance Claims

FHA Mortgage Insurance Premium Changes Will Help Homeowners with FHA Home Loans in Colorado

“FHA Mortgage Insurance Premium” Changes effective 11 June 2012 will help millions of Americans to include those Homeowners with FHA Home “Loans in Colorado”. Most individuals who had gotten an “FHA Mortgage” during the past 4 years have been unable to refinance because FHA had almost tripled their “Mortgage Insurance Premiums” which negated or wiped out almost all the savings with even these historic low interest rates. “HUD” – FHA is finally correcting this situation.

Timing is important. Individuals with an FHA Mortgage that was endorsed prior to 1 June 2009 can benefit if they wait till 11 June 2012 or later to get their new FHA Case # when they decide to refinance under the FHA Streamline Loan Program. If they apply to early, it will cost them dearly….thus this video:

I consider these changes in FHA Mortgage Insurance Premiums to be the biggest gift that HUD – FHA has ever given Americans. I even called FHA because I could not believe that they were decreasing the FHA Up Front Mortgage Insurance Premium from 1.75 to .01. This represents a huge savings right up front when an individual refinances under the “FHA Streamline Loan” Program.

If your new FHA mortgage has a term greater than 15 years, i.e 20-year fixed FHA, 30-year fixed FHA), your new loan’s MIP schedule is as follows :

– For loans with LTV greater than 95 percent : 0.55% percent annually
– For loans with LTV less than, or equal to, 95 percent : 0.55%% percent annually

Or, when your new FHA mortgage has a term of 15 years or fewer, the new loan’s MIP schedule is :

– For loans with LTV greater than 90 percent : 0.55% percent annually
– For loans with LTV less than, or equal to, 90 percent : 0.55% percent annually
– For loans with LTV less than, or equal to, 78 percent : No annual MIP required

For all your Colorado Mortgage and Home Loan advice, contact Randy Flood, Licensed Colorado Mortgage Broker with The Mortgage Network at 303-521-9550 or visit!/RandyFloodTheColoradoMortgageBroker.

Waiting For Disability Insurance – Help To Heal 2015-05-02

Waiting For Disability Insurance – Help To Heal is a crowd source project begun by S. Joseph to help with personal needs & potentially, the needs of others, while waiting for Social Security Disability Insurance benefits to be approved.

Joseph’s been waiting two years for his benefits & wants to help himself & others succeed in the laborious process.

Thank you for viewing, sharing &/or supporting. More at &

Getting help paying for health insurance

The GHC Better Together Podcast …
Our weekly podcast in a series on health care reform and what it means for you and your family.

Episode 3 – Getting help paying for health insurance.