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2 weeks ago · by · 0 comments

Make the most of your Thanksgiving time off

If you’re lucky enough to have time off this Thanksgiving, make a conscious effort to get away and leave work behind. Turn off your email, let calls go to voicemail and leave projects for Monday. You deserve time away, and your family, body and work will thank you.

1. Enjoy Your Family and Friends

Whether you spend time with friends down the street or fly across the country to see your family, appreciate the time away with your loved ones. Bake cookies with your kids, go shopping with your mom or play football with your friends. Be completely present as you make memories and strengthen your relationships this holiday.

2. Relax Your Body

As your doctor will tell you, constant pressure, tension and stress from work can create long-term health consequences. Relax your body and improve your health when you take a complete break from work. Nap, exercise or just sit around and pet your dog as you reduce stress and relax your body.

3. Focus on Your Hobbies

If you can’t remember the last time you picked up your paintbrushes, tennis racket or gardening tools, now’s the time to reengage with your hobbies. You feel mentally relaxed, rested and energized after focusing your brain on fun and fulfilling hobbies and interests that aren’t related to work.

4. Set Healthy Boundaries

Feeling guilty about taking time off work is a sign that you need better work-life balance. Establish healthier boundaries and start this holiday season.

5. Refresh Your Brain

Creativity and problem solving, two essential job skills, require tons of mental energy. On vacation, give your brain a rest, recharge your energy and prep yourself for greater success once you return to work.

6. Find Your Smile

A cheerful mental attitude keeps you motivated at work, but when was the last time you smiled? Find your smile when you get away from work and enjoy a restful vacation.

7. Take Care of Business

Are you putting off a dental cleaning, car repair or garage clean up? That list clutters your mind and distracts you from doing your best at work. Spend a few hours this holiday taking care of business at home, and relieve the clutter in your mind.

This Thanksgiving, you owe it to yourself to take a break from work. Your break will help you enjoy your holiday and work smarter.

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3 weeks ago · by · 0 comments

How To Meet Your Deductible Before The End Of The Year

As the end of the year approaches, schedule time to review your medical needs. You may want to seek treatment that improves your health and allows you to meet your deductible.

Your health insurance deductible is the amount of money you pay before your insurance kicks in and covers your medical bills. Depending on your health insurance, you may have a low or high deductible that covers every type of medical treatment or applies to specific treatment. Call your insurance company or read your benefits paperwork to verify the deductible you owe. Your deductible will also be listed on your Explanation of Benefits (EOB).

Why Meet Your Annual Deductible

You’ll want to meet your deductible early in the year, if possible. However, it’s not too late to meet your deductible in November or December as you gain several benefits.

First, you’ll maximize your insurance coverage. After you meet your deductible, your insurance benefits will cover additional medical treatment. You pay for insurance and might as well use it.

Second, postponing important medical treatment and preventative care can increase your pain, suffering and treatment expenses. You could end up needing an even more expensive operation or extra therapy and other treatment in the future because you don’t prioritize your health now.

Finally, your deductible may rise if you switch insurance policies in January. In this case, your medical expenses will increase, so utilize your benefits and save money before your coverage switches.

How to Meet Your Deductible

Consider these ways to meet your deductible before the end of the year.

  • Order a 90-day supply of your prescription medicine.

    Spend a bit of extra money now to meet your deductible and ensure you have enough medication to start the new year off right.

  • See an out-of-network doctor.

    Now’s the time to get a second opinion or see a specialist that’s not covered in your insurance network. You’ll pay the total cost of the visit out-of-pocket, but it generally counts toward your deductible. Then, the next step in your treatment could be covered fully by your insurance.

  • Pursue alternative treatment.

    Visit a chiropractor, acupuncturist or other professional that provides alternative treatment for your health concerns. This specialist can help you discover your optimal health and reach your deductible.

  • Get your eyes examined.

    If your health insurance covers eye exams, visit the optometrist. Invest in your eye health, and purchase the new glasses or contact lenses you need.

You will save money and protect your health when you meet your annual deductible before December 31. For more information on your deductible or health benefits, reach out to your insurance agent.

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4 weeks ago · by · 0 comments

Protect Your Home and Family with a Fire Emergency Plan

Roughly 374,000 fires occur in homes across the U.S. each year. Protect your home and family from being a statistic when you create a fire emergency plan.

1. Discuss Fire Safety Tips

Obviously, you want to extinguish candles, cigarettes and other open flames immediately. You also need to supervise meal prep in the kitchen to ensure nothing catches on fire. However, did you know that fabric can be flammable when it lies near the heater? Teach your family to prevent these and other fire hazards.

2. Install Smoke Detectors

To ensure everyone can safely escape a fire, place smoke detectors on every floor of your home where you can hear them day and night. Since smoke rises, place them on the ceiling or high on the walls.

3. Locate Fire Extinguishers

Fire extinguishers need to be accessible. Place one in the kitchen under the sink or in the pantry. Other smart locations include near the entrance and exit doors and at least one on each floor. Once they’re securely attached to the wall, ensure your adult and teen family members know how to use them.

4. Choose the Exits

Your home’s layout determines where you can safely exit. In each room, choose two door or window exits that assist your family in safely escaping a house fire. If you have a second story, store an escape ladder near the window, and make sure you know how to use it properly.

5. Designate an Outdoor Meeting Spot

Whether your family meets at a neighbor’s house or a tree across the street, designate an outdoor base camp. Call 911 from this spot after everyone safely escapes the fire.

6. Practice the Plan

Even the best fire emergency plan will be ineffective if your family members don’t know what to do when a fire starts. Test the fire alarms and teach your kids what they sound like. Then, practice escaping out of the nearest exit and meeting at your designated spot.

Additionally, talk to your insurance agent and ensure you have adequate home insurance for your house and possessions. Insurance won’t prevent fires, but it will give you peace of mind.

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Company information

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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(831) 661-5697

Available 8:30am - 5:00pm