Recovering From Disaster

Natural disaster recovery help from Safeco

Natural Disaster Preparedness

Recovering from Disaster

If the unthinkable happens, we understand that your most valuable assets are more than just items on a balance sheet, and we know that getting information is critical during a time of catastrophe. Use links below to get the info you need if you are affected by a natural disaster.

• Earthquake 
• Hail 
• Hurricane  
• Tornado 
• Wildfire 

Earthquake Insurance Claims

Solid Ground After an Earthquake

If you have Safeco earthquake insurance coverage, your policy typically covers the cost to repair common earthquake damage, including damage to your roof and walls, and most of your belongings. Damage to fences, patios, yard landscaping, and broken glassware or art objects may not be covered. You may have a higher deductible for earthquake damage than you have on your primary property policy. Call your local Safeco agentto add earthquake coverage or to review your policy details.

File a Claim Call Us. We’re Here for You. 800-332-3226 24 hours a day, 7 days a week

Track a Claim Log in. Track the status of your claim anytime in your online account.

 

What to Do After an Earthquake

During an earthquake, buildings may become unstable, collapse or slide off their foundations. Aftershocks may cause additional damage to weakened buildings, power lines and bridges. It’s dangerous out there. If you’ve just been through an earthquake, please be careful. Take the appropriate precautions by following these tips:

1. Be Safe

Make Personal Safety Your First Priority

• Be prepared for aftershocks.
• Stay out of damaged buildings.
• Watch out for broken glass, sharp objects and exposed electrical wires.
• Listen to the local radio for up-to-date information.
• Stay out of your home if it is severely damaged.
• Don't go back inside your home until local authorities say it’s safe for you to do so.

Check for Damage

• Check gas, electric and sewage systems, and your chimney.
• If gas is leaking, turn it off at the main shut-off valve, leave the building immediately and call a professional for service.

Drive with Extreme Caution

• Watch out for downed power lines and debris.
• Be aware that bridges and roads may be weakened and damaged.

2. Call Us

800-332-3226

When it’s safe to do so, call us as soon as you can.

Be ready to provide the following information:

• Where is the damaged property?
• How extensive is the damage?
• Are temporary repairs needed?
• If the authorities were contacted, which department responded and what is the report number?
• Your current contact information and the best time to reach you?

Be prepared to provide as much detail as possible about damage caused by the earthquake. If possible, take photographs and videos of your damaged property and belongings. They can help expedite the claims process. Serial numbers, owner’s manuals and credit card statements can also be used to help document personal belongings that may have been damaged, lost or stolen.

We will do our best to contact you within 72 hours after you file your claim to discuss what happens next. If you experienced serious earthquake damage, we will make every effort to get to you as soon as possible.

3. Prevent Further Damage

Protect Your Home

It’s important to take some steps to protect yourself and your home from further damage after an earthquake.

• Clean up broken glass and remove debris.
• Board up broken windows and doors.
• Cover any roof damage with tarps or plywood.
• If possible, put damaged items in a safe, secure area where they can be inspected later.
• Save all receipts from any temporary repairs.

4. Repair Your Home

Please wait until a claims adjustor assesses the earthquake damage to your home before starting permanent repairs. However, contractors can be difficult to schedule after an earthquake, so we encourage you to schedule permanent repairs as soon as possible. Find a local, licensed, bonded and insured contractor through our freeSafeco Contractor Referral service.

Temporary Housing
While Your Home is Being Repaired or Rebuilt

If you are unable to live in your home while the damage is assessed and your home is being repaired or rebuilt, Safeco will help pay for additional living expenses, typically for up to 24 months. If repairs take longer than the period of time covered in your policy, you may be eligible for additional assistance from federal emergency programs.

Home ImprovementsTo Upgrade or Not to Upgrade

Safeco will replace damaged items and materials with the same type and quality of materials you had before the earthquake. For example, if you had a fiberglass roof, we will pay to repair or replace the damaged area with fiberglass, but we won’t pay to replace it with more expensive slate tile. If you decide to upgrade your house with better or more expensive materials, you’re welcome to do so, but you’ll need to pay the additional expense out of your own pocket.

Any time you make improvements to your property, be sure to talk to your local Safeco agent to find out if your coverage is still enough, and if you’re eligible for any discounts.

Download a printable versionof this information.

Hail Damage Claims

We’ll Be There When You Need Us

Your property insurance policy typically covers the cost to repair common hail damage to your roof, siding and personal belongings. You may have a higher deductible for wind and hail damage on your primary property policy than you do for other types of claims. Check your policy to see what’s covered and the deductible you’ve chosen. Your local Safeco agent can go over your policy details with you.

File a Claim Call Us. We’re Here for You. 800-332-3226 24 hours a day, 7 days a week

Track a Claim Log in. Track the status of your claim anytime in your online account.

 

What to Do After a Hailstorm

During a hailstorm, windows may break and high winds can knock down trees and power lines. If the hail is big enough, it can cause shingle damage to the roof of your home. It can also damage the roof and hood of your car and maybe even crack your windshield. If you’ve just been through a hailstorm, be careful and follow these tips:

1. Be Safe

Make Personal Safety Your First Priority

• Watch out for broken glass, sharp objects and exposed electrical wires.
• Wear proper shoes and gloves.
• Don’t use rain-soaked electrical equipment.

Drive with Extreme Caution

• Watch out for downed trees, power lines and debris.

2. Call Us

800-332-3226

When it’s safe to do so, call us as soon as you can.

Be prepared to provide at least a general description of your hail damage.

Take photographs and videos of the hail damage if you can. It’s a great way to help us understand what happened and expedite the claims process.

3. Safeguard Your Home and Your Car

Prevent Further Damage
A hailstorm may be accompanied by heavy rain and wind. The longer your home is exposed to water, the more damage you’ll see to your roof, ceiling, walls and floors, as well as any personal belongings you have inside.

Hail Damage to Your House

• Clean up any broken glass and remove debris.
• Board up broken windows and doors.
• Cover roof damage with tarps or plywood.
• Move any wet items to a dry location.
• If possible, place any damaged items in a safe, secure area where they can be inspected later.
• Save all receipts from any temporary repairs.

Hail Damage to Your Car

• Cover any broken car windows with tarps or plastic sheeting.
• Move any wet items to a dry place.
• If possible, place any damaged items in a safe, secure area where they can be inspected at a later time.

4. Repair Your Home and Car

Get Your House Repaired

Please wait until a claims adjustor assesses the hail damage to your home before starting permanent repairs. We encourage you, however, to schedule permanent repairs as soon as possible. Find a local, licensed, bonded and insured contractor through our free Safeco Contractor Referral service.

Get Your Car Fixed

For hail damage to the body or your car, see Car Repairs and Damage Estimates.
For hail damage to your windshield or other car windows, see Car Repairs and Damage Estimates.

Home Improvements
To Upgrade or Not to Upgrade

Safeco will replace damaged items and materials with the same type and quality of materials you had before the hailstorm. For example, if you had a fiberglass roof, we will pay to repair or replace the damaged area with fiberglass, but we won’t pay to replace it with more expensive slate tile. If you decide to upgrade your house with better or more expensive materials, you’re welcome to do so, but you’ll need to pay the additional expense out of your own pocket.

Any time you make improvements to your property, be sure to talk to your local Safeco agent to find out if your coverage is still enough, and if you’re eligible for any discounts.

Download a printable versionof this information.

Hurricane Claims

We’ll Be There When You Need Us

High wind from a hurricane can damage your roof, siding and personal belongings. Your insurance policy typically covers the cost to repair damage caused by a hurricane. However, you may have a higher deductible for wind and hail damage on your primary property policy than you do for other types of claims. Check your policy to see what’s covered and the deductible you’ve chosen. If you’re uncertain, ask your local Safeco agent to review your policy and explain the details to you.

File a Claim Call Us. We’re Here for You. 800-332-3226 24 hours a day, 7 days a week

Track a Claim Log in. Track the status of your claim anytime in your online account.

 

What to Do After a Hurricane

Severe winds from a hurricane can down electric lines, telephone poles and trees. Heavy rain can cause water damage and flooding. If a hurricane has been through your town or neighborhood, be careful. Take some precautions by following these tips:

1. Be Safe

Make Personal Safety Your First Priority

• Watch out for snakes and animals that may have taken refuge in your home.
• Don’t run a generator or barbecue grill indoors. Hazardous fumes and carbon monoxide poisoning can be deadly.
• Don’t leave candles or a fireplace unattended, and keep the area well ventilated.
• Watch out for broken glass, sharp objects and exposed electrical wires.
• Listen to the local radio for up-to-date information.
• If you were evacuated, don’t return home until local authorities say it’s safe for you to do so.

Check for Damage

• Check gas, electric and sewage systems, and your chimney.
• If gas is leaking, turn it off at the main shut-off valve, leave the building immediately, and call a professional for service.
• Stay out of your home if it is severely damaged.

Drive with Extreme Caution

• Watch out for downed trees, power lines and debris.
• Be aware that bridges and roads may be weakened or washed out.
• Avoid flooded streets. They can hide downed electrical lines or underlying currents that can carry your car away.

2. Call Us

800-332-3226

When it’s safe to do so, call us as soon as you can.

Be ready to provide the following:

• Where is the damaged property?
• How extensive is the damage?
• Are temporary repairs needed?
• If the authorities were contacted, which department responded and what is the report number?
• What is your current contact information and the best time to reach you?

Be prepared to provide as much detail as possible about damage caused by the hurricane. If you’re able to take photographs and videos of the damage, they can be extremely helpful to the claims process. Owner’s manuals, serial numbers and credit card statements can also be used to help document personal belongings that may have been damaged, lost or stolen.

We will do our best to contact you within 72 hours after you file your claim to discuss what happens next. If you experienced serious hurricane damage, we will make every effort to get to you first.

3. Prevent Further Damage

Safeguard Your Home and Car

Water is a major cause of damage after hurricanes. The longer your house is exposed to water, the more damage you’ll see to your roof, ceiling, walls and floors, as well as any personal belongings inside. After the storm has passed, it’s important to dry out any water damaged inside your home. Open windows and doors to allow air to circulate and speed up the drying process.

Hurricane Damage to Your Home

• Clean up any broken glass and remove debris.
• Board up broken windows and doors.
• Cover roof damage with tarps or plywood.
• Move wet items to drier ground.
• If possible, place any damaged items in a safe, secure area where they can be inspected later.
• Save receipts for any temporary repair expenses.

Hurricane Damage to Your Car

• Cover broken car windows with tarps or plastic sheeting.
• Move any wet items to a dry place.
• If possible, place any damaged items in a safe, secure area where they can be inspected later.

4. Repair Your House and Car

Get Your House Repaired

Please wait until a claims adjustor assesses the hurricane damage to your home before starting permanent repairs. We encourage you, however, to schedule permanent repairs as soon as possible. Find a local, licensed, bonded and insured contractor through our free Safeco Contractor Referral service.

Get Your Car Fixed

If your car has been damaged in a hurricane, see Car Repairs and Damage Estimates for more information on how to get it fixed.

Temporary Housing
While Your Home is Being Repaired or Rebuilt

If you are unable to live in your home while the damage is assessed and your home is being repaired or rebuilt, Safeco will pay for additional living expenses, typically for up to 24 months. If repairs take longer than the period of time covered in your policy, you may be eligible for additional assistance from federal emergency programs.

Home Improvements
To Upgrade or Not to Upgrade

Safeco will replace damaged items and materials with the same type and quality of materials you had before the hurricane. For example, if you had a fiberglass roof, we will pay to repair or replace the damaged area with fiberglass, but we won’t pay to replace it with more expensive slate tile. If you decide to upgrade your house with better or more expensive materials, you’re welcome to do so, but you’ll need to pay the additional expense out of your own pocket.

Any time you make improvements to your property, be sure to talk to your local Safeco agent to find out if your coverage is still enough, and if you’re eligible for any discounts.

Download a printable versionof this information.

Flood Damage

Your Safeco home insurance policy does not cover flood damage. If you purchased a policy through the FEMA National Flood Insurance Program, contact your agent to file a claim for flood related damages.

Tornado Claims

We’ll Be There When You Need Us

High wind and hail from a tornado can damage your roof, siding and personal belongings. Your property insurance policy typically covers the cost to repair damage caused by a tornado. However, you may have a higher deductible for wind and hail damage on your primary property policy than you do for other types of claims. Check your policy to see what’s covered and the deductible you’ve chosen. Your local Safeco agent can go over your policy details with you.

File a Claim Call Us. We’re Here for You. 800-332-3226 24 hours a day, 7 days a week

Track a Claim Log in. Track the status of your claim anytime in your online account.

 

What to Do After a Tornado

Severe thunderstorms, lightning and hail can accompany a tornado. High winds can down electric lines, telephone poles and trees. Buildings damaged by a tornado may be unstable and can potentially collapse. If a tornado touched down in your neighborhood and caused damage to your home or your car, follow these tips:

1. Be Safe

Make Personal Safety Your First Priority

• Stay out of damaged buildings.
• Watch out for broken glass, sharp objects and exposed electrical wires.
• Listen to the local radio for up-to-date information.
• If you were evacuated, don’t return until local authorities say it’s safe for you to do so.

Check for Damage

• Stay out of your home if it is severely damaged.
• Check gas, electric and sewage systems, and your chimney.
• If gas is leaking, turn it off at the main shut-off valve, leave the building immediately, and call a professional for service.

Drive with Extreme Caution

• Watch out for downed power lines and debris.
• Be aware that bridges and roads may be weakened and damaged.

2. Call Us

800-332-3226

When it’s safe to do so, call us as soon as you can.

Be ready to provide the following:

• Where is the damaged property?
• How extensive is the damage?
• Are temporary repairs needed?
• If the authorities were contacted, which department responded and what is the report number?
• Your current contact information and the best time to reach you

Be prepared to provide as much detail as possible about the damage. If possible take photographs and videos of damage caused by the tornado. They can help expedite the claims process. Owner’s manuals, serial numbers and credit card statements are useful to document personal belongings that may have been damaged or lost.

We will do our best to contact you within 72 hours after you file your claim to discuss what happens next. If you experienced serious tornado damage, we will make every effort to get to you first.

3. Prevent Further Damage

Safeguard Your Home and Your Car

Heavy rain is often a part of tornadoes and windstorms. The longer your home is exposed to water, the more damage you’ll see to your roof, ceiling, walls and floors, as well as any personal belongings you have inside. It’s important to take some steps to protect yourself and your property from any further damage after a tornado.

Tornado Damage to Your House

• Board up broken windows and doors.
• Cover roof damage with tarps or plywood and remove debris.
• Move any wet items to a dry area.
• If possible, place any damaged items in a safe, secure area where they can be inspected later.
• Save receipts for any temporary repair expenses.

Tornado Damage to Your Car

• Cover broken car windows with tarps or plastic sheeting.
• If possible, place any damaged items in a safe, secure area where they can be inspected later.

4. Repair Your Home and Car

Get Your House Repaired

Please wait until a claims adjustor assesses the tornado damage to your home before starting permanent repairs. We encourage you, however, to schedule permanent repairs as soon as possible. Find a local, licensed, bonded and insured contractor through our free Safeco Contractor Referral service.

Get Your Car Fixed

If your car has been damaged by a tornado, see Car Repairs and Damage Estimates for more information on how to get it fixed.

Temporary Housing
While Your Home is Being Repaired or Rebuilt

If you are unable to live in your home while the damage is assessed and your home is being repaired or rebuilt, Safeco will pay for additional living expenses, typically for up to 24 months. If repairs take longer than the period of time covered in your policy, you may be eligible for additional assistance from federal emergency programs.

Home Improvements
To Upgrade or Not to Upgrade

Safeco will replace damaged items and materials with the same type and quality of materials you had before the tornado. For example, if you had a fiberglass roof, we will pay to repair or replace the damaged area with fiberglass, but we won’t pay to replace it with more expensive slate tile. If you decide to upgrade your house with better or more expensive materials, you’re welcome to do so, but you’ll need to pay the additional expense out of your own pocket.

Any time you make improvements to your property, be sure to talk to your local Safeco agent to find out if your coverage is still enough, and if you’re eligible for any discounts.

Download the printable version of this information.

Wildfire Claims

You’re Not Alone. We’ll Take Care of You.

Your property insurance policy typically covers the cost to repair common wildfire damage to your home and personal belongings. Check your policy to see what’s covered and the deductible you’ve chosen. Ask your local Safeco agent to review your policy and explain the details to you.

File a Claim Call Us. We’re Here for You. 800-332-3226 24 hours a day, 7 days a week

Track a Claim Log in. Track the status of your claim anytime in your online account.

 

What to Do After a Wildfire

If a wildfire has moved through your neighborhood and caused damage to your home or car, be careful and follow these tips:

1. Be Safe

Make Personal Safety Your First Priority

• Stay out of burned or smoke damaged buildings.
• Wear protective clothing including sturdy shoes, long pants, long sleeve shirt and gloves.
• Avoid breathing ashes and soot by covering your nose and mouth with a handkerchief or face mask.
• Watch out for broken glass, sharp objects and exposed electrical wires.
• Listen to the local radio for up-to-date information.
• If you were evacuated, don’t return home until local authorities say it’s safe for you to do so.

Check for Burning Embers

• Check your roof immediately for burning embers.
• Inspect your entire property for signs of burning embers.
• Put out any sparks or burning embers if you can do so safely.
• Call the fire department if necessary.

2. Call Us

800-332-3226

When it’s safe to do so, call us as soon as you can.

Be ready to provide the following:

• Where is the damaged property?
• How extensive is the damage??
• Are temporary repairs needed??
• If the authorities were contacted, which department responded and what is the report number??
• What is your current contact information and the best time to reach you??

Be prepared to provide as much detail as possible about the damage. If you’re able to take photographs and videos, they can help to explain overall property damage after a wildfire. Owner’s manuals, serial numbers and credit card statements are useful to document personal belongings that may have been damaged.

We will do our best to contact you within 72 hours after you file your claim to discuss what happens next. If you experienced serious wildfire damage, we will make every effort to get to you first.

3. Prevent Further Damage

Safeguard Your Home

This is a team effort. We’ll do our part. But we need you to help out by taking some steps to protect your home and your car from further damage after a wildfire.

• Do not attempt to clean fire or smoke damaged items. Cleaning without the proper equipment can make it worse.
• Board up broken windows and doors.
• Cover roof damage with tarps and remove debris.
• Save all receipts from any temporary repairs.
• If possible, place any damaged items in a safe, secure area where they can be inspected later.

4. Repair Your Home

Please wait until a claims adjustor assesses the smoke and fire damage to your home before starting permanent repairs. We encourage you, however, to schedule permanent repairs as soon as possible. Find a local, licensed, bonded and insured contractor through our free Safeco Contractor Referral service.

Temporary Housing
While Your Home is Being Repaired or Rebuilt

If you are unable to live in your home while the damage is assessed and your home is being repaired or rebuilt, Safeco will pay for additional living expenses, typically for up to 24 months. If repairs take longer than the period of time covered in your policy, you may be eligible for additional assistance from federal emergency programs.

Home Improvements
To Upgrade or Not to Upgrade

Safeco will replace damaged items and materials with the same type and quality of materials you had before the wildfire. For example, if you had vinyl siding, we will pay to repair or replace the damaged area with vinyl, but we won’t pay to replace it with more expensive limestone slate. If you decide to upgrade your house with better or more expensive materials, you’re welcome to do so, but you’ll need to pay the additional expense out of your own pocket.

Any time you make improvements to your property, be sure to talk to your local Safeco agent to find out if your coverage is still enough, and if you’re eligible for any discounts.

Download the printable versionof this information.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. 36 USC 220506

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

www.nationwide.com/joshlewis
www.austinhealthbrokers.com

Group Health

Group Health Info from Federated Insurance

Group Health

Value-Added Group Health Products

Federated’s group health insurance plans called Federated Health Choice^® (FHC) are specifically designed for small- to medium-sized businesses. Our plans are available in these states (highlighted in maroon):

Contact your Federated representative in these states for more information or a quote for Federated Mutual® group health insurance plans. See Locate Your Federated Representative.

Federated Health Choice® is offered exclusively through your local Federated representative and includes group medical,life, disability income, and dental plan options.

Group Medical

Group Health Products with Value-Added Service

Federated offers business owners affordable employee benefit plans with choices. Our plans include these features:

• Plans of choice – Preferred Provider Organization (PPO) – You choose your provider – no referrals needed, no gatekeepers.
• National PPO Networks – Network doctors available to you while traveling, on vacation, or for children away at school.
• Open formulary list for prescription drugs – No list that omits certain drugs.
• Case management for catastrophic claims – We work with you and your providers to make sure care is appropriate and cost-effective.
• Claims service with personalized, individual attention – When you call our claims office, you speak with a friendly, caring person.

Value-added premium savings choices

• Employee Choice—Federated offers employers an opportunity to buy multiple plans for their employees while contributing a defined amount of premium. This allows the employer to better control costs while offering choice to each employee.
• Quality service – Local marketing representatives offer quality products and service for all lines of coverage you choose to purchase from Federated.
• Medical management program – Helping you get the right care at the right time in the right setting. Federated partners with a utilization management program to help you make an informed decision about the appropriateness of the care you receive.
• Prescription drug plan – Federated works with Express Scripts, a leading provider of prescription benefit services in the United States. As one of the nation’s leading prescription benefit managers, they are recognized as being at the forefront of pharmacy and medical cost management. Use of preferred brands on your drug list may save you money.
• Defined Reimbursement Plans (DRP) – A DRP offers options to help you and your employees control health care expenses.Freedom Services is available to provide administration services for your DRP.
• Vision discount program – Federated offers this program through Careington International, one of the largest, most comprehensive, privately-held discount health care companies in America. The program provides significant savings opportunities across a broad spectrum of vision products and services.

More than 100 local, state, and national trade associations recommend Federated’s group products to their members.

Group Dental

Sign On

Dental Coverage for Your Employees

Many employers like to offer their employees dental coverage along with their group medical benefit. Group dental insurance is available to businesses with five or more employees covered under a Federated Group Medical Plan. Firms with 50 or fewer employees that do not purchase dental coverage will be issued a dental policy to provide the pediatric dental coverage required as an essential health benefit by the Affordable Care Act (ACA) for those age 18 and under.

Benefit options available

• $500 for each covered individual (per calendar year)
• $1,000 for each covered individual (per calendar year)
• $1,500 for each covered individual (per calendar year)
• $2,000 for each covered individual (per calendar year)

Calendar-year deductible

• For each insured family member - $50
• Aggregate family deductible - $100

The deductible does not apply to preventive services.

Coinsurance

• Dental plan pays 100 percent of preventive services
• Dental plan pays 80 percent of basic services
• Dental plan pays 50 percent of major services

Contact your Federated representative for more information on all Federated Group Plans.

Group Life

n

Do Your Employees Have Life Insurance?

You can include life insurance among your employee benefits with a Federated Group Life Insurance plan. This important protection is available to businesses covered under a Federated Group Medical Plan.

Level amount option

Employer chooses a flat amount of coverage for all employees, with amounts between $15,000 and $50,000 (or up to $100,000 if 10 or more employees are enrolled).

Class-based amount option

Employer chooses the schedule. The amount for each employee is based on the employee’s occupation or position – $15,000 to $50,000 (or up to $100,000 if 10 or more employees are enrolled).

Accidental death and dismemberment coverage is included for both the level amount and class-based options.

Contact your Federated representative for more information on all Federated Group Plans.

Group Disability Income

Protection When You Can’t Work

Disability income protection is important to your employees if they can’t work because of an illness or injury. Federated offers a group disability income plan, available to businesses covered under a Federated Group Medical Plan.

You can select from Weekly Income Benefit schedules for 26 weeks:

• $100
• $150
• $200
• $300
• $400
• $500

The amount in the schedule is paid for time lost from work due to illness or injury not covered by workers compensation.

Payments are limited to two-thirds of an employee’s weekly earnings up to a maximum of $500.

Contact your local Federated representative for more information on all Federated Group Plans.

Health Care Reform

Patient Protection and Affordable Care Act (“PPACA” or “ACA”)

Enacted March 23, 2010
The highly publicized health care reform bill (Patient Protection and Affordable Care Act (PPACA or ACA) – what is commonly known as Health Care Reform (HCR) is now law and the arduous task of interpretation and implementation has begun.

ACA only created the outline for what will happen over the next several years – most provisions take effect in 2014 and many do not come into play until years after that. It is only as regulations implementing ACA are written that we are beginning to know what it really means. Regular updates will be posted to this website. This site will provide you with links to information from the various sources involved in implementation of HCR. This information will help you determine how ACA may affect you and your employees.

Affordable Care Act – General Information

• US Department of Labor Affordable Care Act Information
• Affordable Care Act (ACA) Tax Provisions
• AHIP – Affordable Care Act Information
• Implementation Timelines
• Response to U.S. Supreme Court Ruling on Affordable Care Act
• Kaiser Family Foundation – The Basics
• Health Care Changes Wizard

Affordability

• AHIP – Affordability Information

Age Rating

• AHIP – Age Rating Information

Employer Penalties

• Employer Size Calculator
• Potential Employer Penalties Under the Patient Protection and Affordable Care Act (ACA)
• Employer Responsibilities and Penalties Beginning in 2014
• IRS Issues Guidance on Counting Full-Time Employees
• Kaiser Family Foundation - Employers

Essential Benefits

• AHIP – Essential Benefits Information

Exchanges

• Required notice to employees
• AHIP – Exchanges Information
• Kaiser Family Foundation - Exchanges
• Kaiser Family Foundation – Subsidy Calculator

Fraud

• New National Public-Private Partnership to Reduce Health Care Fraud

Grandfathered Plans

• Health Care Reform and Grandfathered Plans
• Whether to Preserve "Grandfather" Status

Guarantee Issue

• AHIP – Guarantee Issue Information

Health Care Costs

• AHIP – Health Care Costs Information
• Kaiser Family Foundation – Health Care Costs

Health Insurance Tax

• AHIP – Health Insurance Tax Information
• 2010 Small Business Tax Credit
• Tax on Cadillac Health Plans

Medical Loss Ratio

• AHIP – Medical Loss Ratio Information

Notices

• Notice to Employees of Health Insurance Marketplace Options
• Revised Notice of COBRA Options 
• DOL Technical Release 2013-02 – Notice to Employees of Coverage Options & Updated COBRA Notice

Personal Coverage Requirement

• AHIP – Personal Coverage Requirement Information

Preventive Care Benefits

• Preventive Care Benefits

© 2005-2014 Federated Mutual Insurance Company. All rights reserved.

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

www.austinhealthbrokers.com

www.nationwide.com/joshlewis

For Individuals & Families

Information about Life, Accident & Health, Home/Auto/Personal Property Insurance from ACE Insured.



For Individuals & Families



ACE provides individuals and families with products to insure your  well-being as well as your assets. Our personal policies give you added peace of mind in facing life’s unexpected events.

We offer a broad array of offerings directly to you or through sponsors in select regions of the world:

• Accidental death insurance
• Automobile insurance
• Coverage for laptop computers, mobile phones and other small electronics
• Identity theft protection
• Income protection
• Life insurance protection and savings products
• Prescription drug
• Recreational marine
• Personal accident and sickness insurance to help pay expenses if income is lost as a result of an accident or illness
• Supplemental medical insurance
• Medicare supplemental insurance
• Traditional life insurance protection and investment and savings products
• Travel accident and vacation insurance
• Residential products to cover your home and personal belongings including a house, apartment and/or condominium, and personal liability for property owners, landlords and tenants

Life Insurance



ACE Life helps individuals and families in Asia, Latin America, the Middle East and Europe plan for the future with personal life insurance products to meet your needs. 

We offer a comprehensive range of traditional life insurance protection and savings and investment products designed to provide financial protection for you and your family.

Key products include:

• Protection products including term life, whole life and specialized protection including credit life and accident
• Savings and investment products including endowment, universal life and variable annuity
• Riders including accidental death, accidental disability, dread disease, cancer and critical illness
• 
  

ACE’s accident and health products are available through employers, affinity groups, sponsors such as banks, credit card companies, mobile network operators, utilities, travel providers/agents, universities and websites, as well as direct marketing and agents of Combined Insurance, our subsidiary that offers personal accident and sickness coverages.

Home/Auto/Personal Property Insurance

Whether it’s for your home, car, boat, or other valuables and personal possessions, ACE offers policies to protect what’s yours.

Homeowners Insurance

Our policies provide financial protection for the structure of your home as well as your personal possessions.  Homeowners insurance also helps protect you from personal liability if someone is injured on your property.

Key coverages include the following:

• Fire damage
• Water damage
• Theft
• Debris removal
• Storm damage
• Personal accident
• Living expenses if your home is uninhabitable

Automobile InsuranceNew or used, sporty or classic, our automobile policies offer protection from accidents, theft, and other mishaps.

Key coverages include the following:

• Collision/damage to your own vehicle
• Vandalism
• Trip interruption
• Liability
• Coverage for military personnel

• Theft
• Medical expenses for occupants
• Tourist policies
• Towing expenses
• Third party property damage

Boat Insurance and Other Personal Property InsuranceWhile a homeowners policy includes coverage for your valuables, you may also choose to insure your other precious possessions with the added protection and coverage on a worldwide basis for personal property such as:

• Pleasure boats and yachts
• Fine art, antiques, jewelry, and collectibles
• Private aviation

Mobile Technology ProtectionMobile technology – including smart phones, laptops, PDAs, digital cameras, and MP3 players – are part of our daily lives.  Replacing them if they are lost, stolen or damaged can be costly.  ACE’s mobile technology insurance products cover the cost of replacing or repairing these devices against theft or damage with comprehensive protection and cover at home and abroad.

This general product description is informational only. It is neither an offer to sell nor a solicitation to purchase any particular insurance product. Coverages may not be available in all jurisdictions and may be available only through appropriately licensed brokers. Refer to the Licensing Information document for a chart of the jurisdictions in which each ACE Group subsidiary is licensed.

© 2014 ACE
Terms of Use
Licensing Information
Privacy Statement

Lewis Insurance
2525 S. Lamar Ste 11
Austin, TX
78704

www.nationwide.com/joshlewis
www.austinhealthbrokers.com