Discover How Our Executive Benefit Review Can Help You
Ensuring comprehensive executive benefits is crucial for attracting and retaining top talent. However, many businesses overlook key areas, leading to gaps in coverage that can leave executives financially vulnerable. At Ornellas and Associates, we specialize in helping companies identify these gaps and provide tailored solutions, including life insurance, long-term disability (LTD), and long-term care (LTC) coverage. By offering robust benefits packages, businesses can safeguard their executives’ financial well-being while enhancing job satisfaction and loyalty. Learn how to strengthen your executive benefits program and protect your team from unforeseen risks.
Life Insurance: A Crucial Tool for Protecting Your Business and Ensuring Continuity
In the complex world of business, maintaining financial stability and safeguarding assets is essential for long-term success. Yet, many business owners overlook one key element of financial planning—life insurance. While often thought of as a personal safety net, life insurance is a powerful tool for protecting your business and ensuring continuity in the face of […]
What to Expect in Your Medicare Annual Notice of Change (ANOC) for 2025
As we head into the 2025 Medicare season, you’ll be receiving your Medicare Annual Notice of Change (ANOC). This letter brings important updates about your plan, including changes to coverage, costs, and provider networks. Let’s walk through what to look out for and how to make sure your plan continues to fit your healthcare needs. […]
Don’t Let an Accident Derail Your Career: The Importance of Long-Term Disability Insurance
In the world of professional careers, uncertainty can lurk around every corner. For many individuals, particularly those in physically demanding or high-stakes occupations, the risk of suddenly becoming unable to work due to injury or illness is a serious concern. This is where long-term disability (LTD) insurance comes into play. It serves as a crucial […]
Buy/Sell Agreements: Secure Your Legacy
In today’s complex business landscape, ensuring the protection of your business and your legacy is crucial. A well-crafted buy/sell agreement is a powerful tool for achieving this, whether you run a family business, a partnership, or a privately held company. These agreements outline the terms for handling an owner’s shares in cases of unexpected events […]
Why Key Person Life Insurance is a Basic Need and Not a Luxury
In the complex world of business, every decision can have far-reaching consequences. One of the most critical decisions entrepreneurs and business owners must consider is how to protect their business from unforeseen events, particularly the loss of crucial personnel. Key Person Life Insurance (KPLI) is often seen as an optional financial product, but it should […]
Happy Vision Health Month!
Exploring what’s covered under Medicare & your Vision care options August is the perfect time to focus on your eye health because it’s National Vision Health Month! As we age, keeping an eye on our vision is more important than ever, especially when considering what Medicare covers—and what it doesn’t. Let’s look into why regular […]
August is National Immunization Awareness Month
Understanding Immunization Coverage under Medicare Part B & D August marks National Immunization Awareness Month (NIAM), an annual observance to emphasize the importance of vaccinations for individuals of all ages. For Medicare beneficiaries, immunizations play a crucial role in maintaining health and preventing serious diseases. The Importance of Immunizations Immunizations are one of the most […]
Introducing the New Medicare Payment Plan for Prescription Drugs
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. […]
Unlocking the Potential of March Nutrition Month: Exploring Medicare’s Wellness Programs
March is Nutrition Month, a time to celebrate healthy eating and education. But did you know that Medicare covers more than just healthcare? It also offers a range of programs aimed at promoting overall well-being, including nutrition education. In this article, we’ll explore the significance of nutrition in preventative care and highlight the various nutrition […]