Will you be new to Medicare soon because of age or disability?
Thinking of retiring, but not certain what the next steps are?
Attend one of our sessions and learn about Medicare!
All sessions are free and are held at the Genesee County Office for the Aging—
2 Bank Street, Batavia. All begin at 6pm.
Reservations are NOT required!
Will you be new to Medicare soon because of age or disability?
Thinking of retiring, but not certain what the next steps are?
Attend one of our sessions and learn about Medicare!
All sessions are held at the Genesee County Office for the Aging—
2 Bank Street, Batavia. All begin at 6pm.
Reservations are NOT required!
Will you be new to Medicare soon because of age or disability?
Thinking of retiring, but not certain
what the next steps are?
Attend one of our sessions
and learn about Medicare!
All sessions are free and held at the
Genesee County Office for the Aging—
2 Bank Street, Batavia. All begin at 6pm.
Reservations are NOT required!
Will you be new to Medicare soon because of age or disability?
Thinking of retiring, but not certain
what the next steps are?
Attend one of our sessions
and learn about Medicare!
Sessions are held at the Genesee County
Office for the Aging—
2 Bank Street, Batavia and begin at 6pm.
Reservations are NOT required!
Local governments, including Genesee County, that participate in pooling a workers compensation insurance program have a chance to get help reducing workplace injuries using consultants for essentially no cost.
Bill Fritts, president of Lawley Genesee, explained what his company is prepared to do for local governments if Lawley becomes the worker compensation insurance broker.
The possibility came to Fritts's attention, he said, after receiving a request for proposal from the county for a new workers comp plan.
As a broker, Lawley can apply its commissions to provide a variety of services to members of the pool.
Genesee County, along with all of the local school districts and most towns and villages (but not the City of Batavia) are part of a self-insurance pool for workers compensation.
If a worker is injured on the job, the pool will pay the first $500,000 of coverage.
What the county has been shopping for is a new carrier for "excess coverage" -- an insurance company that pays any claims in excess of $500,000.
There are only three such carriers in the nation.
Under the plan presented by Fritts, Lawley will accept bids from the carriers, select one and manage the relationship.
With its commissions, Lawley will then use its own experts to identify areas where worker safety can be improved and look for other cost-saving opportunities.
Lawley's consultants will study claim history, look for departments that have safety records that can improve and then study work that's going on in those workplaces to see what safety improvements can be made.
"We'll look at what members are hurting and helping you," Fritt said. "We send in loss-prevention consultants to those areas first that hare hurting you and see what safety programs are needed. We might create incentive programs if they need to change their culture and help them change their culture."
There is no additional fee for the pool members for the extra services.
"I've seen the results and it's pretty amazing," Fritts said. "It makes you feel pretty good because you're preventing injuries."
At the next Ways and Means Committee meeting, legislators will have a chance to vote on the offer.
Here's a news release aimed at college students from the WNY Tri County Chapter of the American Red Cross, which serves Genesee, Orleans and Wyoming counties.
Here's a class you really should take!
Renter’s Insurance 101
Logic #1: I am in school; my parent’s insurance covers my stuff.
Reasoning: If you live on campus, your parent’s policy MAY cover your belongings, but if you have your own apartment, you are out of luck!
Logic #2: I can’t afford it and I don’t really have anything in my apartment.
Reasoning: According to the Insurance Information Institute, the average cost of a renter's insurance policy with $25,000 of property coverage and $100,000 in liability coverage only cost around $16 per month.
If you don’t think you own enough stuff to justify that, look around your room. CDs bedding, computer equipment, YOUR BOOKS! You can’t afford not to get it!
Logic #3: My roommate has renter’s insurance so I am covered.
Reasoning: Ah, good for you for getting a smart roommate. Too bad you think
his policy will cover your things -- it won’t!
Logic #4: My building is totally secure. No one can break into here!
Reasoning: Are you willing to bet your new Mac on that? Renters are 79 percent more
likely to be victims of burglary than homeowners.
Logic #5: My landlord is great -- he has my back!
Reasoning: Your landlord’s insurance covers structural damage. It doesn’t cover your belongings or legal obligations if something is damaged or someone gets hurt inside of your apartment.
PUT RENTER’S INSURANCE ON YOUR SHOPPING LIST TODAY!
Brought to you by WNY Tri County American Red Cross
Serving Genesee, Orleans and Wyoming County
www.geneseeregionalredcross.com
Follow us now on Facebook! Search: Western New York Tri County Chapter
I've argued that much of what's messed up about health care has more to do with government screwing up the system than any free market problems, with the idea that the real health care reform is to get government out of the way, not add more government.
If you want a free market, companies need to compete, not collude. That's one important aspect of anti-trust law.
I had no idea until tonight that insurance companies enjoyed an anti-trust exemption.
That explains a lot.
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