Archive for the ‘Insurance Agent’ Category

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!

YES YOU CAN still enroll for Health Insurance

December 18th, 2014 by Marie DeWolf

SO ... the initial 'OPEN ENROLLMENT PERIOD'  from November 15th to December 15th is OVER.

Hopefully you were able to get the changes made you needed to make, and got enrolled in the plan you wanted.
Did you know the subsidy amounts went down for 2015?

If you had a challenge on the "CONNECTFORHEALTHCO.COM" website, you can give us a call. We will try to help you ... we know how hard it is to navigate!


Most important of all, you can still enroll in a plan.

You now have until January 15th to have an effective date of February 1, 2015.

If you are looking to make a change from your current plan to another better option for your circumstances in 2015 - there ARE choices. We have an old/new carrier that has changed the plan designs and they are very competitive this year.

Colorado HealthOP is a new driver for Northern Colorado. They provide two different networks of providers. The EPO (Exclusive Provider Organization) includes the Banner Health System, including McKee Medical Center in Loveland and Northern Colorado Medical Center in Greeley.

The PPO (Preferred Provider Organization) includes all providers that are in the Coffinity network. This network is a broader network and includes providers throughout the whole state.

Check with your provider to see what network they participate in.

Call us for more details! 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!


The Exchange – can I still apply for health insurance?

January 9th, 2014 by Marie DeWolf

January 1, 2014 is already past!
Here it is,  January 8, 2014 ... already.

Are you wondering, "Can I still apply for Health Insurance, get subsidies and avoid the Penalty for not having coverage?"

The answer is "YES!"

Yes, you can – you can still go on Connect for Health Colorado website and do the following:

  • Create your account
  • Go to "Get assistance" tab
    • Search "80538 – Marie DeWolf"
    • Attach me to your account
  • Begin the PEAK application
  • Finish the PEAK application and press "SUBMIT"
  • Now you are in the WAITING MODE – waiting for your denial into the Medicaid program
  • You will receive your denial number 1B ... or a 5B ...
  • Once you receive that number, you can:
    • CALL ME with your username and password (do not send via email for your own security)
    • EDIT your Eligibility with this number.
  • You can NOW shop for plans and know exactly what it will cost you.

This needs to be done and finished by January 15, 2014 to insure that you are covered by February 1, 2014.

If this is NOT done then – keep the faith! You can submit by February 15, 2014 to be covered with insurance by March 1, 2014.
Good Luck!

Call me if you have any questions.
Happy New Year !!!

Marie DeWolf

The Exchange or the Marketplace is up and running!

October 5th, 2013 by Marie DeWolf

After much waiting and speculating, the Exchange or the Marketplace is up and running since 10/1/14.

There are many, many plans available and you can do an estimator for your proposed subsidy.
While searching for your plan, please remember the following:

  • You will create an account
    • To create an account you will need:
      • * Family members
      • * Date of Births
      • * Zip code
      • * County
      • * Tobacco user – rated 15% for tobacco
      • * Doctor of choice
      • * Hospital of choice
      • * Family income

Please keep in mind that the Network of providers have changed and that your Doctor or Hospital may not be in the network you choose. This can be very confusing! Our Agency is here to help you navigate all of these criteria abd help you find the best plan for 1/1/14.

You can give us a call or complete this questionnaire for us to provide plans for you.

Our services are at no cost to you – Call us we can help !!! 970-622-9982.

Healthcare Reform - We can help!

October 4th, 2013 by Marie DeWolf

Health Care Reform is on its way for 2014.

We are here to help you navigate through the new laws and exchanges.
If you would like to receive ongoing information as it happens, please let us know.

Contact us via email (click here) or phone (970-622-9982).

We at DeWolf-Tarin & Associates Insurance Agency are here to help you.

Health Care Reform – OBAMA Care

September 26th, 2013 by Marie DeWolf

The law was passed in 2010 and now it will become law on January 1, 2014 - As of January 1, 2014 there is an INDIVIDUAL MANDATE – which means that everyone has to enroll in a health insurance plan.

The new law, will allow individuals to go to the Health Care Marketplace. The Marketplace is designed to help you find health insurance that meets your needs and fits your budget. The Marketplace offers “one-stop shopping” to find and compare private health insurance options. You may also be eligible for a new kind of tax credit that lowers your monthly premium right away. Open enrollment for health insurance coverage through the Marketplace begins in October 2013 for coverage starting as early as January 1, 2014.

You may qualify to save money and lower your monthly premium, but only if your employer does not offer coverage, or offers coverage that doesn’t meet certain standards. The savings on your premium that you’re eligible for depends on your household income.