Winter Storms Ahead: Are You Ready?

rmcgroupPersonal Insurance

winter storm ahead

We admit it: As insurance pros, our picture of winter isn’t exactly cozy. Winter storms mean traffic snarls, hillsides turning to sheets of ice, and cars sliding around like hockey pucks. Cold temperatures can cause pipes to burst, frost swells and other damage. Heating your home with fireplaces and holiday lighting can increase the risk of fire. A picture-perfect winter … Read More

Case Study: Risk Segmentation

rmcgroupHealth and Benefits

Health Risk Segmentation

How a Midwestern firm used creative risk segmentation to provide health insurance coverage for an employee with chronic illness The Problem A Midwestern company with 100 employees across seven locations discovered that an employee in their Northeast office was disqualified from coverage under their new self-funded health plan. As a result, the company had to consider returning to a more … Read More

The SECURE Act of 2019

rmcgroupRetirement Plans

US Capitol

On December 20, 2019, President Trump signed into law the Setting Every Community Up For Retirement Enhancement Act of 2019 (the “SECURE Act”).  The SECURE Act is probably the most significant piece of retirement legislation since the Pension Protection Act of 2006.  Here are a few of its most relevant provisions. Increasing the Age for Required Minimum Distributions Under current … Read More

What You Risk With No Workers’ Comp Insurance

rmcgroupBusiness Insurance

Workers' Comp Insurance

If someone who works for you gets hurt on the job, you could be responsible for damages and medical expenses—not to mention the cost of missed work. And this could be just the tip of the liability iceberg.  As a business owner, taking care of your employees is one of the most important things you can do to keep your … Read More