Archive for the ‘Marie DeWolf’ Category

There is still time before Health Insurance Open Enrollment DEADLINES!

December 10th, 2015 by Marie DeWolf

Marie DeWolf Insurance is here to help you BEFORE the open enrollment deadline, call today. Serving Northern Colorado's health insurance needs.There is still time!

Yes, the Holidays are nearly upon us, but you still have until December 15th to make your Open Enrollment selections to be effective 1/1/16.

And you have until January 15th to make your Open Enrollment selections to be effective February 1st.

Do not delay!

If you need help, call us. We are here to help you sort out the details BEFORE the deadline.

Then with that task over and done with, you can simply relax and enjoy the Holidays!
Call Marie DeWolf Insurance today to regain your peace of mind: 970.622.9982

MEDICARE Open Enrollment is NOW!

October 24th, 2015 by Marie DeWolf


Medicare Open Enrollment allows Medicare participants to review their current plan and discuss changes to the plans for 2016.

  • This is also an excellent opportunity to update their Part D (drug) plans.
  • Did you know you can change your Drug plan every year at Open Enrollment?
  • If you have new prescriptions or your current plan is changing, a different plan may work better, to cover your current and new drugs.

It is worth your time to check with your Broker and make sure your plan is the RIGHT plan for your present needs.

Call Marie DeWolf Insurance: 970-622-9982 - WE CAN HELP AND IT IS FREE!

MAY is Disability Insurance Awareness Month

April 30th, 2015 by Marie DeWolf


How would you like to receive up to 60% of your income if you couldn't go to work because of an accident or sickness?

MAY is Disability Insurance Awareness month - dedicated to talking with working consumers about the importance of insuring their incomes. So let's start the discussion!

Two thirds of Americans told us salaries were their second most valuable asset, yet only 29% of them took any steps to protect it.

Now is the time to think about it realistically.

  • How long could you afford to go without a paycheck???
  • You use your paycheck mainly to pay for your home, your car, groceries, medical bills and utilities.


Ask yourself these questions:

  • How much coverage you need?
  • How long will I receive benefits?
  • When will my benefits start?
  • How much will it cost?

Call us at Marie DeWolf Insurance - 970-622-9982.

We'll help you answer these questions with confidence!

Workers' Compensation

April 3rd, 2015 by Marie DeWolf

Insurance Protection for the health of
your employees – and your business.

As a small business owner, one of your most important assets is your people. So when an employee suffers a work-related injury or illness, you feel it – both emotionally and financially.

Because employee injuries can impact your insurance premiums and your profitability, you need the knowledge of a seasoned company that offers the coverages and capabilities to help address these indirect costs.

At The Hartford, we're dedicated to helping you get injured employees back to work as quickly as is medically appropriate - so you can limit losses. We can even assist you in preventing injuries and illnesses from occurring in the first place.

Broad Range of Coverages*

Perhaps what business owners appreciate most about The Hartford's Workers' Compensation Program is our range of coverages. Because not every company's needs are the same, we offer two versions of our Workers' Compensation Broad Form Endorsement. Not only you find many of the standard coverages in our Basic version, but we also go beyond these statutory requirements. And if you're looking for additional coverages, you'll find we pack even more value into our Extended Options plan.

Here are just some of the coverages included in our Basic Broad Form Endorsement that may be especially valuable to your business:

  • Reimbursement for your reasonable expenses - including loss of earnings - incurred on your behalf in connection with a claim, proceeding or suit we defend.
  • Employer's liability stopgap for all states where workers' compensation is provided by a monopolistic state fund.
  • Voluntary compensation for your employees who are not covered by state statute.
  • Sixty days - versus the industry standard of 30 days - to notify us to add states where you have newly set up operations.

Our Extended Broad Form Endorsement Option adds valuable coverage at a nominal increase and includes all of the enhancements offered in our basic option, plus:

  • Increased limits for employers' liability insurance.
  • Waiver of our right to recover from other parties liable for an injury to your workers in those instances where you have signed an agreement with the other party requiring such a waiver.
  • Extension of workers' compensation insurance to cover your employees who suffer employment-related injuries or illnesses while traveling on business outside the United States.
  • Coverage for your obligation under the United States Longshoremans and Harbor Works Act to provide these federal benefits if an employee should unexpectedly be found subject to the Act.

Why Choose The Hartford

With workers' compensation insurance from The Hartford, you get the coverages you need at a competitive price. And you have peace of mind knowing that a financially stable insurance company with almost 200 years of expertise is protecting your business - and working to help you improve workplace safety.

* All coverages are not available in all states

This document outlines in general terms the coverages that may be afforded under a Hartford policy. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage.

Do you know what your auto policy covers?

March 13th, 2015 by Marie DeWolf

Spring Forward

Warm Weather

Road Trips

They are coming!

Do you know what your auto policy covers?


Coverage A:

The state of being responsible for something.

$100 / $300 / $100      What does that mean?

In the case where the insured is responsible for an accident and is sued by the person (s)
from the other vehicle involved,

$100: The insured person has bodily injury liability limits up to $100,000 per person
$300: The insured person has bodily injury liability limits up to $300,000 per accident
$100: The insured person has property damage liability limits up to $100,000 per

Make sure you are covered or you may have to pay yourself.

Coverage B:

Medical Payments

Payment for medical and/or funeral expenses to you and your passengers due to bodily injury

Coverage C:

Insured/Under-Insured Motorist Coverage

This coverage applies in situations when the at-fault driver who causes an accident is either not insured

at all or has insufficient liability limits to pay for the damages s/he caused

There are other options, such as having Full coverage, having higher limits, adding roadside assistance, and more!

Give us a call to discuss what coverages would work for you!

Open Enrollment Dates to Remember

October 25th, 2014 by Marie DeWolf

OCTOBER 15, 2014

You can begin previewing the health insurance plans for 2015 (but ify ou qualify for cost reductions, you won't be able to see what your exact costs will be, even in your current plan – until November 15, 2014.


NOVEMBER 15, 2015

Open Enrollment for 2015 begins! Whether you are an existing customer or one who is apply for the first time (and are eligible), this is the first date you will be able to compare how much YOU would pay for different health plans, based on your own financial situation. When you've chosen the plan that owrks best for you, you can purchase a private plan – or are required to re-apply. Those who miss this date may have a gap in insurance coverate.


FEBRUARY 15, 2015

Open Enrollment for 2015 ENDS. Unless you have certain changes in your situation later, this is the LAST DAY to enroll in health insurance and avoid paying a fine in 2015.

There are 3 NEW ways to help pay for Health Insurance

October 18th, 2014 by Marie DeWolf

There are three NEW WAYS to help pay for Health Insurance ...

One may apply to you!

If you are an individual making:

  • Less than $15,500
    No monthly cost (premiums) and very low co-payments for things like doctors, lab and prescriptions
  • Between approx. $15,500 - $29,000
    Lower monthly premium payments plus help paying for co-payments and deductibles
  • Between approx. $15,500 - $46,000
    Lower monthly premium amounts

If you are a family of 4 making:

  • Less than $31,500
    No monthly costs (premiums) and very low co-payments for things like doctors, lab and prescriptions
  • Between approx. $31,500 - $59,500
    Lower monthly premium payments plus help paying for co-payments and deductibles
  • Between approx. $31, 500 - $95,000
    Lower monthly premium payments

Call 970-622-9982 or email us to discuss!

OPEN ENROLLMENT IS 11/15/14 – 12/15/14


Open Enrollment - Subsidy: Get the facts

September 17th, 2014 by Marie DeWolf

Did you know that “Open Enrollment” is just around the corner?

This is the time you can enroll in a Health Insurance Plan. Remember it is limited to November 15, 2014 – February 15, 2015. During this time you can purchase an insurance plan or you can make a change to another Carrier.

There are no “pre-existing” condition exclusions, so find a plan and enroll for 2015.

You may qualify for a subsidy. A subsidy is help to pay your premium. What? Yes, if you qualify you will receive money to help pay for insurance.

See if you and your family qualify.

Call us at 970-622-9982

Open Enrollment for the Affordable Care Ace is almost here!

March 21st, 2014 by Marie DeWolf

Here we are, close to the closing of the "Open Enrollment" period for the ACA (Affordable Care Act) and we receive more information from the Administration ...

I will preface this information with:

This too can change at any time

As you may know, the Open Enrollment period is ending on March 31 deadline for change for a May 1, 2014 effective date. You realize that after this date, you

must have a qualifying event to enroll in an insurance plan

So what is a qualifying event?

A significant life chance, such as:

  • Lose your job
  • Change job and lose your insurance
  • You get married
  • You have a baby

So NOW is a really good time to make the jump or dive in and buy health insurance. If you do that, you will be in line with the law and the mandate, which states,

"Everyone must have insurance or pay a penalty."

Call us or your broker and get insured!