Featured

What Makes the Best CBD?

With so many CBD products on the market, how do we know what we’re getting? 
Research. Credible, independent research, study, and experience.

In our review of CBD oil products, we examined and reviewed twenty of the top-selling CBD Oil products on the market today. The characteristics we examined, included: Is the CBD product Full-Spectrum? Organic? High Quality? Operational Scalability? Does it contain additional beneficial ingredients? And, most importantly, what are the Absorption Rate and Bio-Availability? Is your CBD Oil Water-Soluble?

Several companies produce good hemp oil. The problem is that it is OIL. Independent studies performed at the Mayo Clinic Professional Research Center indicated that the most important factors for bio-availability of CBD are the delivery system and absorption rate. The Zilis UltraCell CBD Oil is water soluble, which maximize both factors.

FULL-SPECTRUM RESULTS: UltraCell contains over 400 biologically active compounds, including CBD and an entourage of other cannabinoids, flavonoids, terpenes, vitamins, fatty acids and minerals. By utilizing all aspects of the hemp plant in its natural state, UltraCell creates an environment where the natural compounds work together to create a synergistic effect.

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Featured

Careful Hiring Practices: An Essential Step in Reducing the Incidence of Workers’ Compensation Claims

The home health industry needs workers. The Bureau of Labor Statistics predicts an increase of 1,208,800 new home health aide and personal care aide positions between 2016 and 2026.  Finding workers to fill those positions may be difficult, leading to worries of a major worker shortage. But despite the need for workers, there’s also a need for smart hiring practices. To keep workers’ compensation claims down, employers must take precautions.

Workers’ Compensation Claims

Home health workers face risks that can lead to injuries, and these injuries can lead to workers’ compensation claims. These risks include:

  • Musculoskeletal injuries, often the result of lifting or maneuvering patients
  • Automobile crashes, which can occur when workers drive from one patient’s home to another
  • Assaults, which can occur if patients or others become violent
  • Other accidents, such as tripping and falling, which can occur because workers are constantly visiting different homes with unique layouts and risks

These risks can be made worse if workers are not physically capable of performing essential duties, such as lifting or maneuvering patients, or if they use poor techniques when doing heavy lifting. Dangerous driving habits and criminal tendencies – including filing fraudulent claims – can also result in expensive workers’ compensation claims.

Although these risks cannot be eliminated entirely, careful hiring practices can reduce them.

Careful Hiring Practices

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Featured

We can make a very favorable impact on your commercial insurance placements

As an insurance broker dedicated to the senior living sector, I am amazed and impressed by how many of our current and future clients have expanded their resident services offerings in order to meet increased acuity levels and the socialization needs of residents and their families given the regulatory, legal and labor climate challenges that exist.
At the same time, the commercial insurance marketplace has become increasingly challenging given the recent tragic natural disasters, the withdrawal of casualty insurance carriers form the marketplace, and the increasingly hostile litigation environment.Heffernan continues to offer a client platform that features unique carrier access and proactive, and hands on advocacy in the rapidly changing and challenging commercial insurance marketplace. I believe the odds are very good that we can make a very favorable impact on your commercial insurance placements via a fiercely proactive brokerage experience.
Would you be open to updating me on your current placement and interest level in a brief conversation or email exchange?   10 minutes or so should be enough time for us to determine if next steps are mutually beneficial.Thank you for your ongoing consideration!

Brant Watson
Senior VP
D: 925.295.2506
C: 925.330.1151
brantw@heffins.com

Heffernan Insurance Brokers
Featured

How the Gig Economy is Impacting Insurance

How many employees does your company have? The question is not always as straightforward as it seems. In addition to the difficulties caused by turnover and counting part-time employees, we have a new complication. Gig workers are generally considered contractors, but this classification is being challenged. If these challenges succeed, many companies may have far more employees than they realize. This would have a significant impact on insurance.
Independent Contractors vs Employees
The line separating independent contractors from employees can get blurry. According to the IRS, “The general rule is that an individual is an independent contractor if the payer has the right to control or direct only the result of the work, not what will be done and how it will be done.” To determine whether a worker is an employee, it’s necessary to look at three areas: behavioral control, financial control and the relationship. 

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Just give me a call for more information.
Let us know how we can help.

brant
Brant Watson
 Senior VP
D: 925.295.2506  
C: 925.330.1151
brantw@heffins.com

ULTRACELL®

MEET THE ULTRA BOOSTERS

We developed a line of essential boosters to compliment the results you feel with UltraCell. Using The Mimetix™ Formula, our ULTRA line of products are hemp free and can be taken as a standalone or as a booster to UltraCell.

“THANK YOU FOR YOUR SERVICE”

Zilis is paying it forward to our Veterans with the launch of our Patriot Program which serves Veterans from all branches of the U.S. Military. Serving those who served us is our way of expressing gratitude for the sacrifices our servicemen and women and their families have made for our country.

PATRIOT PROGRAM

SERVING THOSE WHO HAVE SERVED US

As a gesture of appreciation for your service, Zilis offers two avenues for Veterans to participate in the Patriot Program. The first option is to enroll as a Patriot Ambassador and Zilis will waive the $99 enrollment fee.  This option provides Veteran entrepreneurs with the ability to launch their own Zilis business at a discount while still receiving all the Ambassador Perks. Alternately, Veterans who are interested in UltraCell®products for personal use can enroll as a Patriot Customer. This option provides the ability to purchase our original UltraCell and Topical at wholesale pricing, saving you and your family money each time you purchase the product.

Details Here

We Take Care of the Risk so You can Take Care of your Growing Business

Heffernan’s reputation and success was built through niche practice business such as nonprofit, construction, healthcare, transportation, hospitality, food industry, real estate and technology.
With ten branch offices coast-to-coast and approximately 450 staff, Heffernans reach spans virtually every industry. Heffernan will evaluate your current plan, your unique community and emerging trends in the industry and consult with you to develop a customized risk management solution. 

Contact me today to learn more about the best possible insurance for your needs.

M. Brant Watson
Senior Vice President
Heffernan Insurance Brokers
Email brantw@heffins.com
Office 800-234-6787
Mobile  925-330-1151 

$9.95 Direct Medical Access

7  Great Benefits that can be used when needed.   Just click on the Benefit name for complete details.

  • Teladoc   Feel better now! 24/7 access to a doctor is only a call or click away—anytime, anywhere with no per visit fee. With Teladoc,
    Health Advocacy  Healthcare is becoming harder to understand. Personal Health Advocates help you find your way through insurance and healthcare systems.
    Doctors Online   The fast, easy way to get health information from an online resource you can trust.
    NurseLine™  You’re in good hands. You and your family have a place to turn to for trusted advice and information when you need it most.
    Health Wealth Connection   Resources and information to help you manage your health and personal finances. Whether you’re trying to lose weight,
    Pharmacy  Don’t pay full price! Save 10% to 85% on most prescriptions at over 60,000 pharmacies. Just present your card to save an average of 46% at locations nationwide
    Medical Bill Saver™   Major issues can add up to major bills! Call Medical Bill Saver™ and rest easy. Experts who know the ins and outs of billing practices will attempt to negotiate discounts on your behalf.

    Safe and Secure Enrollment just Ctrl/Click HERE

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Who’s on Your Workers’ Compensation “A” Team?

teamwork_0-1

Let’s face it – sports teams don’t win championships because of the actions of a few good players. They win with teamwork. That same kind of teamwork is needed to successfully manage your workers’ compensation program. Long before a claim is filed, you need to assemble a winning team and formulate a strong game plan so you can knock your goals out of the park.
Who do you need on your team?

Health Care Providers Insurance

Growth. Disruption. Innovation.

Times are changing in health care. Are your insurance and risk management programs keeping up?

With health care reform, a booming older population, industry consolidation, cyber risk, and evolving technology, there are a lot of exposures to consider in the health care industry. While change is good, it can create coverage gaps, oversights, and new exposures not considered by last year’s insurance.