1, Issue 1 Newsletter Date August 2004
1991 CROCKER RD, STE. 215
WESTLAKE, OH 44145
McManamon to Head Employee Benefits Department
We are very pleased to announce that
we have expanded our services now available to our existing
clients and friends. Tracy McManamon has joined our firm
after serving as Senior Vice President with Acordia, one
of the largest insurance brokerages in the world, and will
now lead our employee health and welfare practice. Tracy
is the second youngest of Tom's five brothers and he and
his wife Amy have four daughters Sarah 18, Catherine 9,
Elizabeth 6 and Madalen 2.
Tracy has over 16 years of experience
in all phases of employee benefits including:
- Life, Long-Term Care, Disability,
Dental & Vision
- Fully insured & Self insured
- Flexible Spending Accounts (FSA's)
- Health Care Savings Accounts (HSA's)
- Health Reimbursement Accounts (HRA's)
- Cafeteria accounts and voluntary
Programs are available for both individuals
and groups as well as local and national clients. Tracy
has access to all the major carriers competing in this ever-changing
world of employee benefits.
If you would like to schedule a free
consultation to discuss with Tracy ways to save on your
current benefits package contact please call Tracy at 440-892-8308
ext. 16 or e-mail him email@example.com.
Care, What is it and Who needs It?
As the population ages, more of us are
facing the thought of how to pay for nursing home or other
long-term care for ourselves or a family member. It is important
for consumers to know that Medicare, Medicare supplement
insurance and the major medical health insurance you have
at work usually will not pay for long-term care. Many families
use their own funds to pay for this care or must rely on
Medicaid. Long-term care insurance allows you to protect
some of your assets, pay for your own care and be independent
from the support of others. However, long-term care isn't
for everyone. You shouldn't buy it if you can't afford the
premiums, if you have limited assets, if your only source
of income is Social Security, or if you have trouble paying
for basic needs such as utilities, food or medicine. To
see if long-term care insurance would be right for you and
your family contact Tracy or Tom at 440.892.8308.
& Fraud - Don't be a Victim Twice
many times do you need to be a victim? First you have an
auto accident, storm damage or maybe a fire and then the
stress of putting things back in order. What you do not
need is to be taken advantage of by shady auto repair companies
or dishonest contractors who show up offering a deal too
good to be true. The National Insurance Crime Bureau (NIBC)
suggests that the best way to avoid being a victim after
your disaster is to educate yourself. Please review the
following checklist before accepting any services:
- Obtain more than one estimate-don't
be talked into signing a contract immediately.
- Get everything in writing-repairs
to be done, time, cost, payment schedule.
- Demand references-call and verify
- Obtain identification from the salesperson
- Never contracts that contain blank
- Never pay in full or sign a completion
release until the work is completed to your satisfaction
- Consult with your insurance adjustor
or McManamon Insurance if you feel uncomfortable with
- Don't be tempted to conspire in
an insurance claim - Insurance Fraud is a Felony.
with McManamon Insurance if you feel uncomfortable with
Prevent Road Rage
Offend other Parties:
- Merging - Make sure you have
plenty of room, use your turn signals, and give a wave
of "thanks" to those who you let you in
- If you are in the fast lane
(the left hand lane) and someone wants to pass you, move
over and let him or her. The left lane should be used
for passing only.
- Tailgating - We all often get
upset when we are being followed too closely. Allow at
least a four to five second following distance between
your car and the car ahead.
- Steer clear - Give aggressive drivers
plenty of room. Do not under any circumstances pull off
to the side of the road to try and settle things.
Adjust Your Attitude:
- Forget winning - Driving is not
a game and should be handled calmly and responsibly.
- Put yourself in the other driver's
shoes. We all have had bad days so just keep your cool
and let it go.
Road Rage has become a very large problem
and together we can start to make a difference.
1991 Crocker Road, Ste. 215
Westlake, OH 44145