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Medicare Part D Notification Requirement for Employers

Medicare Part D Notification Requirement for Employers

Employers offering group health plans with prescription drug coverage must comply with an important annual notification requirement for their Medicare-eligible employees and dependents. By October 15th, 2024, employers are required to inform these individuals whether their current prescription drug coverage is “creditable” or “non-creditable” compared to Medicare Part D coverage. Creditable Coverage refers to prescription […]
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I Was Cancelled for Non-Payment. Now What?

I Was Cancelled for Non-Payment. Now What?

Cancellation for non-payment on your insurance record can have serious consequences, affecting both your insurance and your credit score. If you’ve missed a payment or already have a cancellation for non-payment on your record, it’s important to understand how this can impact your insurance. Missed an Insurance Payment? Here’s What Happens Next Missing an insurance […]
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The Value of Commercial Umbrella Insurance

The Value of Commercial Umbrella Insurance

In today’s increasingly litigious environment, lawsuits stemming from liability incidents have surged in frequency and severity, leaving many organizations with substantial losses. Due to the complex nature of these losses, they could potentially surpass organizations’ primary liability coverage limits, which refer to the maximum amount that an insurer will pay toward a claim. In these […]
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Preventing and Dealing With Workplace Violence

Preventing and Dealing With Workplace Violence

It is our top priority to keep the workplace safe. However, workplace violence remains a serious safety and health issue.It can occur inside or outside the workplace, and can range from threats to fatalities. Whether they come from a current or former employee, an unknown assailant or as a result of domestic violence or personal […]
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5 Risks of Hiring an Uninsured Contractor

5 Risks of Hiring an Uninsured Contractor

Project owners or general contractors must carefully vet contractors to ensure jobsite safety and financial security. A critical factor in this selection process is verifying that contractors carry adequate insurance. Hiring uninsured contractors can expose a project to significant risks, including safety hazards, liability issues and potential financial losses. Legal Noncompliance and Penalties. Hiring uninsured […]
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Insurance Challenges Facing Coastal Commercial Properties

Insurance Challenges Facing Coastal Commercial Properties

Coastal environments refer to areas located on or within a few miles of shorelines. These environments are some of the most popular spaces for commercial real estate in the United States, primarily due to their economic benefits. Nevertheless, coastal environments also pose a range of unique risks, including natural disasters (e.g., hurricanes and floods), environmental […]
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Report Finds Weight Loss Drugs Key Driver of 2025 Health Care Cost Increase

Report Finds Weight Loss Drugs Key Driver of 2025 Health Care Cost Increase

A recent Business Group on Health (BGH) survey found that heightened interest and spending on glucagon-like peptide-1(GLP-1) drugs is a major driver of rising health care costs in 2025. Americans’ interest in GLP-1 drugs is increasingly pressuring employers’ budgets. On average, GLP-1 treatment costs around$1,000 per individual each month. The medications were traditionally used to […]
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A Guide to Safe Nighttime Driving as Fall Approaches

A Guide to Safe Nighttime Driving as Fall Approaches

As the summer days fade and fall sets in, shorter daylight hours can catch drivers off guard. With the sun setting earlier, many of us find ourselves driving in the dark more frequently, whether it’s for commuting, running errands, or shuttling kids to and from extracurricular activities. Nighttime driving presents unique challenges, especially as we […]
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Enhancing School Security Systems. School with lock.

Enhancing School Security Systems

As we navigate a world where ensuring the safety of students and staff is more critical than ever, the landscape of school security is evolving rapidly. Recent advancements offer a range of innovative solutions that enhance campus safety while preserving a positive learning environment. Here’s a look at some of the latest technology and practices […]
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Demystifying Full Coverage | A Buzzword in Auto Insurance

In the realm of auto insurance, there’s a term that often buzzes around, creating a blend of confusion and curiosity among policyholders – “full coverage.” At Duliban Insurance Brokers, we frequently encounter clients inquiring about this so-called full coverage for their auto insurance policy. It’s like a mythical creature of the insurance world; many have […]
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