Health & Benefits

Medicare Eligible Employees?

Lisa Rice

Lisa Rice

Health Benefits Account Executive at Merriam Insurance Agency
Health Benefits Account Executive
Schenectady, New York

Toll-Free:
(877) MERRIAM x 213
(877) 637-7426 x 213

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Lisa Rice

Latest posts by Lisa Rice (see all)

There are only certain times when people can enroll in Medicare. Depending on the situation, some people may get Medicare automatically, and others need to apply for Medicare. The first time you can enroll is called your Initial Enrollment Period. Your 7-month Initial Enrollment Period usually: Begins 3 months before the month you...

Two New Types of HRAs Expand Heath Reimbursement Arrangements

Shannon McMeel

Shannon McMeel

TPA Services Representative at Merriam Insurance Agency
Shannon McMeel

Latest posts by Shannon McMeel (see all)

Compliance Alert Two New Types of HRAs Expand Heath Reimbursement Arrangements On October 12, 2017 President Trump issued Executive Order 13813 promoting Healthcare Choice and Competition across the United States. This took the form of a Notice to expand the flexibility and use of Health Reimbursement Arrangements (HRAs) to provide...

Long-Term Care Insurance

Brian H. Merriam, CPCU, ARM, AAI, President
Brian H. Merriam, CPCU, ARM, AAI, President

Latest posts by Brian H. Merriam, CPCU, ARM, AAI, President (see all)

A close relative of mine has always been a saver. He would squirrel away money and only bought used cars rather than new. When it came to wanting something that was new, even if it was on sale, he would instead choose to purchase used if in fact he couldn’t...

2019 Paid Family Leave

Lisa Rice

Lisa Rice

Health Benefits Account Executive at Merriam Insurance Agency
Health Benefits Account Executive
Schenectady, New York

Toll-Free:
(877) MERRIAM x 213
(877) 637-7426 x 213

Send Email
Lisa Rice

Latest posts by Lisa Rice (see all)

Overview For the second year of New York State’s landmark Paid Family Leave benefit, there are exciting updates to share! In 2019, as we continue our four-year phase in, Paid Family Leave benefits have been significantly enhanced to further improve the lives of working New Yorkers and their families. More...

How Changes May Affect Your Insurance Premiums

Rachel Houghton

Rachel Houghton

Account Representative at Merriam Insurance Agency
Rachel is a licensed insurance Broker with 25 years of commercial and personal lines experience in both sales and service, making her a well-rounded member of the Merriam Agency Service Team.In her spare time Rachel enjoys cooking, gardening, and spending time with her husband and four boys.

Rescue Mission Program Account Manager
Schenectady, NY

Toll-Free:
(877) MERRIAMx 209
(877) 637-7426x 209

Send Email
Rachel Houghton

Latest posts by Rachel Houghton (see all)

Keeping up with customer needs is one of the most important parts of a service team’s job. Our service team has decades of combined experience and compassion for our clients’ business and personal needs. Helping you, the client, through changes is part of our daily work. Be it a simple...

Important NYS Paid Family Leave Changes for 2019

Lisa Rice

Lisa Rice

Health Benefits Account Executive at Merriam Insurance Agency
Health Benefits Account Executive
Schenectady, New York

Toll-Free:
(877) MERRIAM x 213
(877) 637-7426 x 213

Send Email
Lisa Rice

Latest posts by Lisa Rice (see all)

Introducing the HR360 Online HR Library

Richard Hale

Richard Hale

Marketing Director at Merriam Insurance Agency
Rich joined Merriam Insurance in the spring of 2017 as the Marketing Director. He earned a BA in English Literary Studies from the University at Albany, and has obtained his Six Sigma Green Belt certification from Motorola University.

Rich is most passionate about helping people understand the important benefits of working with an independent broker such as the Merriam Insurance Agency. It is his mission to ensure clients know where they can gain access to everything they would need, should the unthinkable happen.

When he's not working, Rich enjoy's spending time with his two teenage children and their golden retriever Alfred.

Marketing Director
Schenectady, New York

Toll-Free:
(877) MERRIAM x 212
(877) 637-7426 x 212

Send Email
Richard Hale

Latest posts by Richard Hale (see all)

As the Affordable Care Act enters into a new phase, many regulations attached to it may represent a burden to your organization. The Health Benefit experts at Merriam Insurance may have the solution, HR360. HR360 our FREE online HR Library, features a step-by-step guide on how to comply with major benefit laws...

Prepare now for Long-Term Care

Richard Hale

Richard Hale

Marketing Director at Merriam Insurance Agency
Rich joined Merriam Insurance in the spring of 2017 as the Marketing Director. He earned a BA in English Literary Studies from the University at Albany, and has obtained his Six Sigma Green Belt certification from Motorola University.

Rich is most passionate about helping people understand the important benefits of working with an independent broker such as the Merriam Insurance Agency. It is his mission to ensure clients know where they can gain access to everything they would need, should the unthinkable happen.

When he's not working, Rich enjoy's spending time with his two teenage children and their golden retriever Alfred.

Marketing Director
Schenectady, New York

Toll-Free:
(877) MERRIAM x 212
(877) 637-7426 x 212

Send Email
Richard Hale

Latest posts by Richard Hale (see all)

The majority of Americans will spend time in a nursing home or other long-term care facility at some point in their lives, but most have done nothing to plan for this event. Given the current options for addressing long-term care, they may carry the bulk of the burden personally. Currently, 12 million Americans...

Health Insurance Renewal Season

Shannon McMeel

Shannon McMeel

TPA Services Representative at Merriam Insurance Agency
Shannon McMeel

Latest posts by Shannon McMeel (see all)

Health insurance renewal season is upon us once again. Every year in recent memory there has been an increase of premium which can be scary and frustrating. The Merriam Agency can ease the frustration of determining which health plan will bring the best overall value to your company and your...