A new year is spread out ahead of us, and anything is possible. We all know this to be very true after 2020. To be safe and to be prepared we wanted to provide our readers with a little insight into worker's compensation insurance!
Having a stable job has been a life raft for so many through 2020 and into this new year. We watched unemployment rise higher than it's been since the depression, the number of individuals applying for unemployment skyrocketed, and the realities of not having the insurance needed for your everyday life as a consequence of these occurrences was felt by many. If 2020 and early 2021 have taught us anything, it's to be prepared for anything and everything. You just don't know what could happen anywhere or anytime. Many individuals were forced to get a temporary job to replace a furloughed position, many in fields they were new or unaccustomed to. This came with an onslaught of all kinds of issues that many didn't expect. In a year where anything could happen, it's always best to be prepared and to and stay ahead of the game! Today, we are going to be discussing worker's compensation insurance, everything you need to know about it, its realities, and a few myths surrounding the topic that need to be debunked and left behind for good.
What You Need To Know & The Realities of Workers Compensation Insurance
There is so much information out there and available to you about worker's compensation. Some of it is buried in legal documentation, some are common knowledge, some your company shares with you, and some of it is talked about around the water cooler. What are the realities you need to know and understand about workers comp before you need it after an accident or mishap? The reality is that any company wants to keep you safe, but even after doing everything by the book and thinking above and beyond, even the safest work environment can't stop a human accident or err. For those who might be new to the working world, worker's compensation covers the cost of medical needs and rehabilitation for workers injured on the job. It is important to remember that worker's compensation varies from state to state. For all of our readers that are local, your worker's compensation is much different from our readers who might be on the west coast. Let's jump into what you need to know!
Kick the Myths
Now that you know a little more information about worker's compensation, it's time to kick some common myths to the curb.
We hope all of this information clears up all of your questions, fears, and concerns about worker's compensation insurance. You should not be afraid while on the job that you won’t be covered and you shouldn’t be afraid to ask for the help you need. Please research every one you wish to work with. If you’re a business owner, research the insurance company you’re looking to work with. If you’re an injured employee, please research any lawyer you want to work with. Please don't hesitate to reach out if you have any questions or concerns. We want you to stay as healthy and as safe as possible and to receive the care and benefits you need if you are ever sick or injured. We're Abri Insurance and we are here to make sure you have the best coverage for life in the Lowcountry!
It has been an incredibly challenging year, but with everything organized and in its place, one last thing you'll have to worry about at the end of this year and the beginning of next year are your insurance plans!
Hello readers, and welcome back to the blog! Can we all just sit back and relax and acknowledge that we did it? We made it through this year, we made it through another open enrollment period, and we are just about to step into a bright and fresh new year! We did it! We have so much to be thankful for, and we are so grateful for all of your support. We are happy to have helped so many of our returning customers find insurance plans that fit them perfectly for yet another year, and we are excited to have helped our new customers find the perfect insurance plans for their needs! Welcome to the Abri family! We are honored to help you, be here to support you, and keep you and your family safe and protected!
While our last blog was all about rushing to use up your benefits now that you may or may not have hit your deductible, this blog is going to be a little extra holiday gift from us you. There is so much to wrap up at the end of the year, and so much to prepare for when the ball drops at midnight and we all step into the new year. To really make the last few days of 2020 count and to get the best foot forward for 2021, we wanted to give you a checklist of sorts. In this blog, we are going to be talking about important end of the year things to do and not forget about when it comes to your insurance plans. We are also going to be talking about some of the best things to think about and do with your brand new insurance plans for your brand new year!
You've purchased all your gifts, sent out your holiday cards, decorated, baked, cooked, and planned. Your holidays are ready to go, but what about the rest of your end of the year affairs? Have you wrapped up everything you needed to with your insurance for 2020? Well, let's go through this list together, and let's see if your hard work has paid off or if there are a few last minute things to do with your insurance plans before we start toasting to 2021!
There you have it! What a list, and what an impressive amount of things to think about and get done before January 1st! We know that it might be difficult to make time to go through a checklist like this, but we promise that each of these bullet points is extremely important. If you are unsure about your insurance policies, have questions concerning life changes 2020 has brought you, or you are interested in upgrading your plans or finding a new provider, Abri is here for you! From all of us at Abri, we wish you and yours a very safe holiday and an even safer new year!
Coming to the end of the year means hurrying up and getting all of your health procedures done because you have or will be hitting your deductible. What does this really mean for you and your health?
Happy December, everyone! As we are quickly coming to the end of open enrollment and gearing up for a brand new year with a whole new deductible to meet, the rush to get in all of our doctor's appointments now and go through with all of those proceeds you've been waiting to get done is on before next year begins! However, this year might get in the way of that due to COVID restrictions and regulations, and the fact that this year has gone by so quickly. With so much going on in our insurance world, in your health journey, and with the holiday season being here, we wanted to dive a little more in-depth about hitting your deductible and what this can and cannot mean for your health and your bank account.
First and foremost, we do want to stress that your health is the most important thing in this equation. If you need healthcare or a medical procedure done, please get it done. Don't wait to meet your deductible to get the healthcare that you need. If it's something you need now to stay healthy, to improve your quality of life, and to help keep you safe, get it done now. While money can be daunting when it comes to going to the doctor, there are so many options out there for you. First, please speak with us here at Abri if your health insurance coverage isn't providing you with enough coverage. We will continue to help you find a plan that is affordable and will provide the coverage you need for your health care needs. If we can't apply this new plan right now, we will help you pick out the best plan possible for the new year and help you navigate your medical expenses now.
Next, speak with your doctors. Many doctors, offices, and hospitals do provide payment programs and options, they just don't advertise them. To find out about them, you have to ask about them. So please ask! Also, we understand why you might have chosen a plan that has a low monthly rate and a high deductible. You might not be able to afford a plan with a higher monthly premium, so you're okay with having a higher deductible. However, if you do choose this and choose to wait to reach that deductible to finally get the treatment you need, it could turn out to be much more expensive than just getting a higher monthly premium plan. What happens if you're sick and wait too long to get the care you need? You could cause serious damage to yourself that requires more treatment, medicine, and surgery to help keep you healthy and alive. These medical procedures and treatments can end up being way more expensive than if you had just gone to the doctor in the first place and more expensive than getting a higher monthly premium. So please think about that, and please put your health first.
However, if you are still going to wait to hit your deductible, there are a few things we wanted to share with you. Even if you don't hit your deductible, you should still get the most out of your insurance plan as you can before the year is up. You've waited long enough, you've paid for it all year, research what you can give back to yourself, and take advantage of it. Don't just plan for the end of the year, consider next year too and how these visits can help you now and in the months to come. Also, don't forget, if you have hit your deductible for 2020, your deductible will go back to zero once 2021 rolls around!
Lastly, we are here to help you find the best insurance plan for you. Has this open enrollment season made you realize how difficult it can be to find the plan you want? Were you unhappy with your insurance this year and didn't hit your deductible or get the care you need? We can help with that! As the year winds down, make sure you add contacting us to the top of your list to make 2021 a more stable year for you and your health insurance plan!
We are Abri
We've created this blog to keep our customers and others in the know. When it comes to insurance and keeping people safe, no knowledge should be off limits.