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3 months ago · by · 0 comments

Add Fruit and Veggies on the Grill and Boost Your Summer Health

You already cook meat on the grill. Why not add fruits and veggies? They help you boost your summer nutrition and taste delicious.

Choose Fresh Produce

Whether you decide to grill pineapple, watermelon, corn or asparagus, make sure it’s fresh. Ideally, the produce you grill should be firm and picked within the past three days.

Brush on the Oil

You’ll want to stock quality canola, olive or coconut oil in your pantry before you grill produce. It adds extra flavor to your grilled produce and a light coating works together with foil packets or a non-stick grate to ensure the fruits and veggies don’t stick to the grill.

Mix a Few Marinades

In addition to the oil, prepare a few marinades. Olive oil infused with herbs, raspberries, mint or other flavorings, honey and low-fat or Greek yogurt enhance the taste of your grilled produce.

Leave the Skin On

The skin of many fruits and veggies contains healthy nutrients. So, leave veggie skins on when you grill them and maximize the nutrient content of the grilled veggies you eat. Most fruits, however, grill better without the skin.

Pre-Cook Some Veggies

Certain veggies cook more evenly on the grill when you pre-cook them in the kitchen. To prep asparagus, beets, broccoli, parsnips, potatoes, squash and carrots for grilling, steam or blanch them until they’re al dente. Alternatively, tomatoes, sweet potatoes, peppers, mushrooms, onions and eggplant will cook evenly when you grill them raw.

Use the Right Temperature

When you cook fruits and veggies over moderately hot coals, the outside could cook faster than the inside. You’ll want to rotate the produce between direct and indirect heat so that each piece cooks evenly and completely.

Whether you cook for one or 100, prepare fruits and veggies on the grill and enjoy a summer nutrition boost. They help you stay healthy, and you’ll feel good knowing that you’re helping your family and friends stay healthy, too.

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4 months ago · by · 0 comments

Fourth of July Safety Tips

COVID-19 has changed the way we are going to remember this Independence day weekend. Governor Newsom has announced stricter restrictions and closures ahead of the July 4th weekend, including a crackdown on mask wearing violations. Public fireworks have been cancelled in most counties.

However, it is a big holiday weekend and Americans will celebrate, here are some safety tips.

Take Precautions While Grilling

Burgers, hot dogs, fruit and pizza taste delicious when they’re grilled. Grab your favorite side dishes and follow a few precautions that ensure you and your guests grill safely.

  • – Always supervise the grill when it’s in use.
  • – Never grill indoors or in a fully enclosed area such as a garage or tent.
  • – Use lighter fluid sparingly and never after the coals are ignited.
  • – Keep children and pets away from the hot grill.
  • – Remove flammable objects, including trees, from near the grill.
  • – Use long-handled tools to handle food.

Use Fireworks Safely  (if allowed)

Public fireworks displays are the safest way to enjoy the beautiful colors and terrific booms of this July 4th tradition, especially when you maintain a distance of at least 500 feet between you and the show. Firework displays at home can be fun though too. If you go that route, take these precautions.

  •  Follow the instructions on the packaging.
  •  Never allow children to play with the fireworks.
  •  Stock a fire extinguisher or water supply nearby.
  •  Wear eye protection when lighting fireworks.
  •  Remove flammable materials from the area.
  •  Never point fireworks toward people, animals, vehicles or structures.
  •  Properly dispose of duds rather than trying to relight them.

Stay Safe on the Beach (if allowed in your area)

Swimming is a fun summer activity, and it’s good exercise. At the beach, lake, public pool or backyard pool, stay safe with these tips.

  • – Swim only in designated areas.
  • – Obey the lifeguard and all posted signs.
  • – Swim sober.
  • – Get out of the water during a storm or if you hear thunder or see lightening.
  • – Require children to wear life jackets.
  • – Don’t dive into shallow water.

Wear Sun Bathing Protection

Picnics are part of many July 4th celebrations. You should also take these protective measures.

    • – Wear sunscreen that’s at least 15 SPF.
    • – Remember to apply sunscreen to your ears, hair part and the tops of your feet.
    • – Avoid direct sunlight between 10 a.m. and 4 p.m. when the UV rays are strongest.
    • – Reapply sunscreen every two to three hours or more frequently if you’re sweating.
    • – Drink plenty of water even if you’re not thirsty.
    • – Wear a hat, sunglasses and long sleeves if you have to be in direct sunlight.
    • – Watch for signs of heat stroke, including hot, red skin, shallow breathing and rapid, weak pulse.

Please be safe out there, follow the rules and guidelines and have fun.

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5 months ago · by · 0 comments

Health Tips in Time for Father’s Day

What do you most appreciate about being a dad? With Father’s Day approaching on June 15, there’s no better time than today to protect your health. Learn about the top health risks men face and ways to combat these risks so that you can enjoy many more years with your children.

1. Heart Disease

The top killer of men, heart disease, stroke and peripheral vascular disease are preventable. However, you will need to address the leading causes of heart disease. Do that when you stop smoking, lower your blood pressure, reduce your bad cholesterol levels and get your diabetes under control. An exercise regimen and healthy diet also help.

2. Lung Cancer

The top cancer among men is also the most preventable. Because smoking is the cause of 90 percent of lung cancer cases, talk with your health insurance company about available cessation programs and tools that assist you in getting healthy today.

3. Prostate Cancer

The second-leading cancer in men, prostate cancer can be prevented when men undergo an annual prostate-specific antigen (PSA) blood test and rectal exam. These tests should begin by age 50 or sooner if this cancer runs in your family or if you eat a high-fat diet.

4. Diabetes

If diabetes isn’t controlled, you could contract vascular disease, which leads to heart attacks, amputations, blindness, kidney failure and nerve damage. Medical treatment, a balanced diet, routine exercise and an active lifestyle can help you prevent or control diabetes.

5. Suicide

Four times as many men than women commit suicide. Men are also more likely than women to resist treatment for depression, frustration and other challenges. Asking for help is a sign of strength and can help you cope with life before you feel self-hated or a desire to commit suicide.

As a dad, focus on your health this Father’s Day. Schedule a physical exam with your primary care physician, and commit to living a healthier lifestyle. Your children will thank you.

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5 months ago · by · 0 comments

Critical Illness Insurance can be an employer sponsored voluntary benefit.

4A nationwide study by the Washington National Institute for Wellness Solutions (IWS) found that only 10% of middle-class workers believe that they have enough savings to cover medical emergencies and the long-term cost of a critical illness.

Diseases such as cancer, heart disease, or Alzheimer’s can be life-changing financially, as well as personally. Although most respondents said that, even with Medical and Disability Income insurance, they would need out-of-pocket funds to cover their expenses from a serious medical condition, they lack the savings to fall back on. Nearly half (45%) felt they would never recover financially from a battle with Alzheimer’s or dementia; for cancer, the percentage is 38%.

Out of 1,001 survey participants between the ages of 30 and 66 and annual household incomes of $35,000 to $99,999, 75% have saved less than $20,000. Among these, half have less than $2,000 in savings – and one in four have no current savings.

One-fourth of respondents “did not know” what resources they would use to help offset their expenses, says IWS. Others would use credit cards (28%), loans from friends and family (23%) or financial institutions (19%) to help cover what insurance doesn’t.

Washington National Insurance Co president Barbara Stewart advises employees to give themselves a reality check about the financial burden of critical illness. “Find out what your current insurance will – and will not – cover” says Stewart, “and then assess your overall financial health. Identify the gaps between the resources you would need and the options you have.”

We recommend that you offer your employees Critical Illness coverage as a voluntary benefit that will provide an extra layer of financial protection when they face the challenge of a serious disease. Give us a call.

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6 months ago · by · 0 comments

Reduce Mold And Protect Health In Your Commercial Building and Home This Spring

Mold growth in your commercial building can cause health concerns and compromise your building’s integrity. Because mold grows quickly in damp conditions and thrives on wood, insulation, carpet, paper, and other organic surfaces where moisture and oxygen are present, it’s especially problematic during the spring season. Prevent health concerns like asthma, respiratory infections, breathing difficulties, itchy eyes, nasal congestion, and skin irritations when you reduce mold in several ways.

Inspect your Building for Mold Growth

Mold thrives in damp, dark and humid areas, including basements, crawl spaces, bathrooms, carpeted areas, and storage spaces. Inspect your entire building, including secluded areas, at least once a week. Look for visible mold growth that may be green, black or brown, and note any spotty or fuzzy stains, another sign of mold.

Repair Leaks

If you notice damp areas in your commercial space, look for leaks that could cause and encourage mold growth. Repair broken pipes, wall cracks or unsealed windows so that the area remains dry and mold-free.

Install Dehumidifiers

Damp areas and condensation could cause mold to grow, so install dehumidifiers where necessary. These appliances reduce moisture and keep the area dry and free of dangerous mold.

Clean the HVAC System

The heating, ventilation and air conditioning system could spread mold spores throughout your building and increase health risks. Clean the system thoroughly and maintain it as you protect your employees, customers and vendors.

Treat Mold Properly

Small areas of mold growth can be cleaned and treated with bleach or another mold cleanser. Remember to wear a respirator and protective clothing as you perform this task to protect yourself from an allergic reaction.

If your building requires more extensive remediation methods, hire a professional to access the mold, determine the extent of the damage and create a removal plan. Depending on the growth, treatment could require renovations like drywall or sub-flooring replacement. In this case, hire a reliable professional to remove the mold and treat the area properly.

File an Insurance Claim

Your commercial property insurance policy may cover mold removal, especially if it stems from a covered peril, such as a storm or act of vandalism. Check the policy or talk to your agent as you determine if you can file a claim and cover the mold removal and treatment.

Implement an Ongoing Inspection Program

After removing and treating the mold, schedule regular inspections of the area. Look for evidence of mold growth and excessive moisture as you prevent hazardous mold growth.

Mold damages your commercial building and affects the health of your employees. This spring, reduce mold and protect your assets with these tips. For more tips, talk to your commercial property insurance agent.

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6 months ago · by · 0 comments

UPDATED: Covered CA Mandatory Health Insurance (Special Enrollment) Deadline is now April 30 2020. Covid-19 exemption qualifies.

If you did not know about the new law and the health insurance mandate (Affordable Care Act (Covered CA) , luckily you now have until April 30, 2020 to sign up for a quality health plan. Time is running out.

In light of the COVID-19  pandemic and conditions, the state allows this exemption as a special enrollment. It is not clear what the expiration date is at this time. Read more here – https://www.coveredca.com/individuals-and-families/getting-covered/special-enrollment/?gclid=EAIaIQobChMI-f6t2PuD6QIVFP5kCh2zTgmZEAAYASABEgIVN_D_BwE&gclsrc=aw.ds

This gives individuals and families a little more time to get health insurance. Applicants can cite COVID-19 as an exemption which will allow late entry into the program even though the open enrollment period has expired – apply on  https://coveredca.com

Please get in touch with questions.

UPDATED 4/25/2020- We posted the wrong date and some important information was missing in the original post.

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Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

Physical:
783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

Mailing:
PO Box 1170
Watsonville, CA 95077-1170

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