August 14, 2018

Fall Hazards


  Occupational hazards are a serious aspect employers must consider.  Many safety applications exist to protect workers from harm, including death.  It may surprise you to learn that for Michigan workers, the most frequent cause of death for 2017 was due to falls.  The Occupational Safety and Health Administration, or OSHA, reported falls as the most common cause of work-related deaths for 2016 nationwide, which was 38.7% of all deaths reported. This may bring to mind the image of a construction worker or roofer falling from a high structure. In reality, falls from less than 6 feet can also cause … Continue reading

July 26, 2018

What is an EOB?


You contact your insurance agent for assistance on understanding a recent medical claim. More than likely, your agent will ask for a copy of the EOB to better assist in answering your questions. Your first thought may be, “What is an EOB?!” If this has been you, don’t worry.  In insurance talk, the abbreviation EOB stands for “Explanation of Benefits.”   An EOB is a document that members enrolled in a medical benefits insurance plan will receive after a claim has been processed. The document will be from the insurance company.  It will provide a detailed explanation of what was billed … Continue reading

July 20, 2018

Dogs in the Workplace


It has recently become popular among businesses to encourage, or at least allow, employees to bring their pet dogs to work.  This is often viewed as a perk to potential employees, and is known to boost morale, increase productivity, motivation, and reduce stress.  What can be more fun or enjoyable than a workplace that allows you to bring your best furry friend to the office?  In fact, American Pet Products Manufacturers Association conducted a survey that found nearly a quarter of employees believe that pets should be allowed in the workplace. However, a few questions come to mind.  How can … Continue reading

July 17, 2018

Coordination of Benefits – Group Health Insurance


There may be circumstances where an individual is enrolled in two health insurance policies. For example, an individual is enrolled in a policy through his employer, and is also enrolled under his spouse’s policy at the same time.  When these two policies work together to pay claims, it’s called Coordination of Benefits. It is imperative if you are in a scenario similar to the one described, that you inform both insurance carriers of the dual coverage to establish which plan is primary vs secondary. This allows the two insurance carriers to work together and avoid duplicate payments on the same … Continue reading

July 11, 2018

Local Healthy Foraging


The team at VAST focuses on 9 Core Values in everything we do. Essentially, it’s who we are.  One of VAST’s 9 Core Values is Healthy.  The VAST team focuses on being healthy in body, mind, and spirit.  Part of a healthy lifestyle is diet. Foraging for berries is not only easy to do in the Marquette area, but it can also be a fun adventure, save you money on groceries, and it is a healthy addition to your diet!  The Upper Peninsula of Michigan has many opportunities to forage healthy food.  Many Yoopers enjoy taking part in foraging favorite … Continue reading

July 6, 2018

Understanding Medicare Diagram


Medicare can often be a confusing thing, especially if you are still in the workforce. Below is an easy to follow diagram for understanding Medicare.

June 29, 2018

5 Insurance Coverages Breweries Should Consider


Craft beverages have become a growing trend, not only here in our town, but across the U.S.  According to the Brewers Association, overall beer sales were down 1% in 2017.  However, craft brewer sales continue to grow at a rate of 5% by volume. Craft production has grown the most in microbreweries. Due to the large growth in craft beverages, many insurance companies have specially designed programs for breweries. Here are five insurance coverages breweries should look for in an insurance policy: Product contamination – provides coverage if beverage product becomes contaminated while on your premises or comes into contact … Continue reading

June 26, 2018

Pre-Employment Screening Program


Motor carrier companies have many tools at their disposal in screening driver applicants. Motor carriers mostly run MVRs (Motor Vehicle Record) checks on potential applicants as part of their hiring process. However, there is another report that motor carriers run on applicants that is not as well-known as the MVRs. It is called the Pre-Employment Screen Program Report, or PSP. The PSP, according to the Federal Motor Carrier Safety Administration, is a federally maintained program that allows motor carriers, drivers, and other industry service providers to access commercial drivers’ safety records. You may be thinking wouldn’t a drivers MVR show … Continue reading

June 21, 2018

Grill Safety Tips


The summer months are upon us, and that brings sunshine, days at the beach, and barbecues with friends and family.  Being someone who loves anything that includes food, barbecuing is one of my favorite things about summer. Nothing beats sitting out on your back patio, grilling some hot dogs or hamburgers. There are a few things to keep in mind as you immerse yourself in the season to ensure you are grilling safely. Place your grill at least 10 feet away from your house. Keep children and pets away from the grill. Clean your grill regularly. Never leave your grill … Continue reading

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