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| The Capital Region Chapter of the America Payroll Association |
| Thursday, February 05, 2009 |
| The Capital Region Chapter of the America Payroll Association dinner meeting, 5:30p.m. on February 19th at The Desmond Hotel and Conference Center in Colonie. Stephen Mather with HMS Agency, Inc. speaks on "Trends Affecting the NYS Workers' Comp Market." Call (518) 257-1318 or visit capitalapa.org. |
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| Protect Your Home |
| Tuesday, September 02, 2008 |
Do you have the right amount of insurance? The following suggestions may help you to determine if your insurance is adequate.
1. Calculate your replacement costs per square foot. Compare your coverage to the amount it would cost to rebuild your home.
2. Choose a policy that provides "replacement cost" coverage. A policy that pays out "actual cash value" will only pay you what your possessions were worth when they were destroyed, not what it will cost to replace them. You should be sure that your policy has a quaranteed replacement-cost rider, which covers the actual cost to replace your home.
3. Get "loss of use" for two full years. Make sure the covered amount will pay rent and related living expenses for two full year while your home is being rebuilt.
4. Match coverage to your home's contents. Take a detailed inventory of your household items. Find out their replacement costs and make sure your contents coverage is adequate. |
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| Certified Women-Owned Business Enterprise (WBE) |
| Tuesday, July 15, 2008 |
| In June 2008, HMS Agency, Inc. is a Certified Women Business Enterprise (WBE) by the state Economic Developement Corp. The State's MWBE program works to assist the development of businesses owned and controlled by women and minority groups. |
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| Albany River Rats Hockey Team |
| HMS Agency, Inc. sponsors the Albany River Rats. We are proud to be a corporate sponsor of the Albany River Rats for the 2007-2008 season. Go Rats!..... |
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| Medicare Information |
Medicare is a Health Insurance Plan for people age 65 or older, or under 65 with certain disabilities and at any age with End Stage Renal Disease.
There are two ways to get your Medicare Health Care Coverage:
I. Original Medicare Plan.
A. Part A is the Hospital coverage. There is no premium associated with this coverage.
B. Part B is the coverage for Physicians Services. This coverage is optional but if selected the premium for Part B in 2007 is $93.50 is individual income is less than $80,000 or joint income is less than $160,000. For incomes over this the premium increases. Premiums are deducted from Social Security payments.
C. Part D is the Prescription Drug Coverage. This is provided through private insurance companies and premium for this coverage will vary depending on the coverage and company you select.
D. Medigap Insurance plans can be purchased through private insurance companies. This coverage fills in the gaps that are associated with the original Medicare coverage. The premiums associated with this coverage will vary by policy and company selected.
II. Medicare Advantage Plans – HMOs & PPOs
A. Medicare Advantage Plans are Part C under Medicare and the coverage is provided by private insurance companies. This coverage combines Part A (Hospital) and Part B (Medical) under one plan. The companies offering the coverage must be pre-approved by Medicare. The premiums may be lower than original Medicare plan and the benefits may be better.
B. Part D (Prescription Drug Coverage) will be offered through the Medicare Advantage Plans. The premiums will depend on the plan and company selected.
For further information on what plans may be available please call our office.
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HMS Agency Offers Health Savings Accounts
– Click
here to find out more.
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