For small businesses, a commercial umbrella policy provides extra liability coverage that kicks in when the limits of your standard liability policies (like general liability, commercial auto, or employers’ liability) are reached. Without this umbrella, any expenses exceeding those limits would come out of pocket, potentially crippling your business financially. Imagine a scenario where a […]
As you plan for retirement, one of the biggest concerns you may face is ensuring that your savings can withstand the erosive effects of inflation. With the cost of living steadily rising, your retirement nest egg could only retain its purchasing power if adequately protected. This is where annuities come into play, offering a valuable […]
Get ready for a game-changer in managing your healthcare costs! Starting January 1, 2025, Medicare Part D is rolling out an exciting new program under the Inflation Reduction Act. The Medicare Prescription Payment Plan will revolutionize how you pay for your prescription drugs by allowing you to spread out your out-of-pocket costs over the year. […]
At the heart of every small business is its workforce, the true engine driving innovation and growth. Recognizing and supporting the multifaceted needs of this workforce, especially their mental and emotional well-being, has become paramount for sustaining productivity and fostering a positive work environment. Employee Assistance Programs (EAPs) are emerging as vital tools in this […]
Navigating the world of retirement planning can often feel like trying to find your way through a maze without a map. However, understanding annuities can be your compass, guiding you toward a financially secure future. This guide will illuminate the path, shedding light on the available benefits and various types of annuities, ensuring you make […]
Exploring the 3 Ways You May Qualify Medicare offers Special Enrollment Periods (SEPs) that allow individuals to enroll in or switch Medicare plans outside of the standard enrollment periods. These SEPs are crucial for individuals who experience certain life events or qualify for specific circumstances. Let’s explore what qualifies you for a SEP and how […]
In the bustling world of small businesses, time is gold, and juggling administrative tasks can be a real drag on your growth ambitions. That’s where Professional Employer Organizations (PEO) come into play, especially for growth-minded businesses like yours. Understanding the role of a PEO, like the comprehensive services offered by Imperial Coverage, can be a […]
Remote employment has brought unique challenges and opportunities in the swiftly evolving work landscape. As businesses adapt, remote employees’ mental and emotional well-being surge, highlighting the need for effective Employee Assistance Programs (EAP) tailored to this new working paradigm. Virtual EAP solutions, integrating telehealth counseling and online wellness programs, are beneficial and essential in addressing […]
Let’s show our HEART a little more Love! Cardiac health is a vital aspect of overall well-being, and Cardiac Rehab Week serves as a poignant reminder of the importance of maintaining a healthy heart. This annual celebration not only highlights the significance of cardiac rehabilitation but also emphasizes the important role your Medicare coverage can play in maintaining heart health. Join us as we explore Cardiac Rehab therapy and ‘heart-healthy’ benefits under Medicare, and tips on how to show your heart a little extra love through a healthier lifestyle.
Get the most of your coverage so you can LIVE YOUR BEST LIFE! When it comes to Medicare, there’s more than meets the eye. In this blog, we’ll explore 15 lesser-known services covered by Original Medicare, with a focus on Original Medicare Part B. Whether you’re a new beneficiary or a seasoned one, understanding these […]