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The Jordan Insurance Group - Blog

With over 76 years of experience, The Jordan Insurance Group is an industry leader in Life Insurance strategies and Employee Benefits. We strive for excellence through our due diligence in selecting products to satisfy our clients’ needs with proven benefit designs and tax strategies. Our Team utilizes a diversified multi-level approach in preserving, protecting and growing wealth for our business and individual clients.

Generosity rises with large employers: Funding levels climb for pension plans in November

Author WilliamJordanSr , 12/16/2013
The Jordan Insurance Group, MD, Employee compensationMilliman Inc. reports funding levels for pension plans which are sponsored by large public U.S. employers rose to 94%, thanks to hearty investment returns and high interest rates. John Ehrhardt had to say this, “ “Pension assets have improved by more than 10% this year, and the pension liabilities have steeply declined. Now we just wait and see how the year concludes, with all eyes focused on both discount rates and financial markets,” John Ehrhardt, a Milliman consulting actuary in New York, said in a statement.” Since the end of 2012, funding for the pensions have increased from 77.2% to a present 93.9% average funded level.  This drastic increase has been fueled by positive investment results as well as higher interest rates. Read the entire article here. Some content provided by Transformer Marketing and http://www.businessinsurance.com/article/20131209/NEWS03/131209852?tags=|63|307|77

The Jordan Insurance Group, Maryland

At the Jordan Insurance Group, we can provide Maryland individuals for auto, home and health,  Maryland businesses with group benefits and financial services. 7230 Lee Deforest Drive, Suite 202 Columbia, MD 21046 410.312.0811-Phone 410.312.0815-Fax http://www.JordanGroupInsurance.com “Large enough to serve, small enough to care” Website | Blog | Facebook | LinkedIn

Health exchange enrollments triples in November

Author WilliamJordanSr , 12/13/2013
The Jordan Insurance Group, Maryland, ObamacareAccording to the Department of Health and Human Services, the enrollment numbers for the Affordable Care Act has tripled to over 364,000 in November through the public exchanges. Despite the glitches that dominated the publicity for the launch of the Affordable Care Act, October had 106,185 enrollees through the exchanges.  Now that the glitches seem to be fixed, November boasted a total of 364,682 enrollees through the public exchanges. The problems with the website included crashes and long waiting periods, have ameliorated in the past couple of weeks. 227,478 or 62% of the enrollees have elected to go through the state run healthcare exchanges as opposed to the federal exchange.  The remaining 137,204 enrolled through the federal government exchange. Enrollment numbers are expected to continue to grow, according federal officials. “ “Evidence of the technical improvements to HealthCare.gov can be seen in the enrollment numbers. More and more Americans are finding that quality, affordable coverage is within reach and that they'll no longer need to worry about barriers they may have faced in the past — like being denied coverage because of a pre-existing condition,” HHS Secretary Kathleen Sebelius said in a statement.” The state run exchanges claims the most enrollees.  California boasted the most enrollees at 107,087 with New York following behind with 45,513 enrollees.  The federally run exchanges, Florida hosts 17,908 enrollees while Texas has 14,308. Read the entire article here. Some content provided by Transformer Marketing and http://www.businessinsurance.com/article/20131211/NEWS03/131219970?tags=|62|63|307|329|74|278

The Jordan Insurance Group, Maryland

At the Jordan Insurance Group, we can provide Maryland individuals for auto, home and health,  Maryland businesses with group benefits and financial services. 7230 Lee Deforest Drive, Suite 202 Columbia, MD 21046 410.312.0811-Phone 410.312.0815-Fax http://www.JordanGroupInsurance.com “Large enough to serve, small enough to care” Website | Blog | Facebook | LinkedIn

Winter driving tips

Author WilliamJordanSr , 12/11/2013
The Jordan Insurance Group, MD, Winter drivingDriving on snow and ice is dangerous and can bring forth panic and anxiety.  This winter season, hold the panic and anxiety, and implement a few safety tips that we have for you so that you can arrive safely at your destination.
  • Drive cautiously.  Go slower than necessary and be mindful of your surroundings.
  • Get plenty of rest.  Driving while you are fatigued is a dangerous thing alone, mix it with adverse weather conditions becomes deadly.  You need to be ready for anything.
  • Check your tires.  Make sure they are filled properly.
  • Don't warm up your car in an enclosed area.  Pull your vehicle out of the garage first and then warm it up.
  • Make sure the gas is half full.  This will keep the gas line from freezing.
  • NEVER use cruise control when driving in slippery conditions.
  • Always use your seat belt.
  • Make sure you have an emergency kit in your vehicle.  Store extra blankets and jackets, batteries, flashlights, non-perishable food items, water, radio and a first aid kit.
When driving, please remember that your actions affect yourself, your family and others on the road as well.  When driving in less than stellar conditions, make sure you are properly aware and cautious. Drive safe this winter season! Content provided by Transformer Marketing.

The Jordan Insurance Group, Maryland

At the Jordan Insurance Group, we can provide Maryland individuals for auto, home and health,  Maryland businesses with group benefits and financial services. 7230 Lee Deforest Drive, Suite 202 Columbia, MD 21046 410.312.0811-Phone 410.312.0815-Fax http://www.JordanGroupInsurance.com “Large enough to serve, small enough to care” Website | Blog | Facebook | LinkedIn

Retire? Me? No, I can't.

Author WilliamJordanSr , 12/9/2013
The Jordan Insurance Group, MD, RetirementThat is a sad expected reality for 20% of all Americans today.  That means approximately one in five working-aged Americans won't fully retire.  Scary thought! According to HSBC survey that was conducted: "For those already in retirement, over two fifths (44 percent) of people in the U.S. said they had not prepared adequately or at all for a comfortable retirement, compared to some 38 percent globally, with almost half (43 percent) of those only realizing they were underprepared after retiring. Around one in eight (12 percent) of those Americans who did not prepare adequately said they would be forced to go back to work to cover their financial shortfall. This compares with the survey average of 14 percent." There is hope.
  1. Don't rush to retire.  A lot of people rush into retirement only to fall into a semi-retired life.  A lot of people are not only not prepared financially but also ready to run into a whole new life.  Stay employed full time as long as you can.  It'll do good for your retirement funds and your level of activity.
  2. There are more than one source of retirement income.  You can choose from three different sources of retirement income.  So don't sell yourself short.
  3. Don't forget about your family.  When planning for retirement, keep your family in mind.
and more... Click here to read the entire article. Here at the Jordan Insurance Group, we want you to be adequately prepared for retirement.  Call our office today at 410.312.0811 to see how we can help you! Some content provided by Transformer Marketing and www.hsbc.com/retirement

The Jordan Insurance Group, Maryland

At the Jordan Insurance Group, we can provide Maryland individuals for auto, home and health,  Maryland businesses with group benefits and financial services. 7230 Lee Deforest Drive, Suite 202 Columbia, MD 21046 410.312.0811-Phone 410.312.0815-Fax http://www.JordanGroupInsurance.com “Large enough to serve, small enough to care” Website | Blog | Facebook | LinkedIn

Meet our local heroes

Author WilliamJordanSr , 12/6/2013

The Jordan Insurance Group, MD, HeroA Hero's Dedication

Rob Jones was stationed in Afghanistan in 2010 when an IED (Improvised Explosive Device) exploded, which resulted in a double amputation of his legs above the knees. He could have easily taken on the victim's role and pitied himself.   But for former Columbian Rob Jones, that was not an option. Rob Jones didn't allow his disability to define him.  Instead, he defined his life and opened up a new chapter.  In 2012, two years after that tragic incident, Rob participated in the 2012 London Paralympics where Rob took home the bronze medal.  But Rob wouldn't stop there. Rob Jones is now cycling 5,500 miles from Maine to California to raise funds for veterans organizations.  He recently stopped in his old stomping grounds in Marriottsville, and inspired Chapelgate Christian Academy.

He Won't Give Up

Bob Quick isn't supposed to be here.  Bob has suffered heart attacks and has had 16 stents put in his heart.  Bob received a pacemaker in April of 2013.  And Bob still won't give up! Bob Quick is now on his own cycling tour from Utah, raising money for five different charities.  And still Bob does even more.  Bob stops at every fire station he crosses and meets the firemen who serve. This is just a reminder that no matter what happens in life, anyone with anything can still accomplish great things!  Bring your dedication and perseverance! The Jordan Insurance Group is proud to acknowledge our local heroes! Content provided by Transformer Marketing.

The Jordan Insurance Group, Maryland

At the Jordan Insurance Group, we can provide Maryland individuals for auto, home and health,  Maryland businesses with group benefits and financial services. 7230 Lee Deforest Drive, Suite 202 Columbia, MD 21046 410.312.0811-Phone 410.312.0815-Fax http://www.JordanGroupInsurance.com “Large enough to serve, small enough to care” Website | Blog | Facebook | LinkedIn

Bah humbug!

Author WilliamJordanSr , 12/4/2013
The Jordan Insurance Group, MD, Bad ChristmasWith the Jingle Bells anthem playing loudly in the background, making your way around the overly congested department stores for last minute shopping is putting a damper on the Christmas spirit.  We feel it too, so we made a list of a few of things that we hate about the Christmas season:
  1. Holiday traffic.  Roads are congested with visitors who don't know their way around town.  Add snow into the mix and well, it's just plain awful.  Let's not even discuss the long lines at the airports and the travelers who are grumpy because they can't stand visiting their in-laws.
  2. Ugly Christmas sweaters.  Holiday parties galore will glamorize these hideous creations of old time.
  3. Last minute shopping.  Each year we plan and promise to get started and finished earlier in the year for Christmas shopping, so we can avoid the dreaded lines and pushing and shoving to get that "must-have" item.  Each year, we are scrabbling around doing last minute shopping.
  4. Holiday weight.  This is the time of year where parties are around every corner, along with delicious food and goodies.  We can't help but diving face first into Aunt Mabel's famed pumpkin pie or enjoying a little too much peanut brittle.
  5. Fruitcake.  The one thing we won't eat, is that ever present, never welcomed fruitcake that your crazy grandma loves to make because she believes that it's everyone's favorite cake.
  6. That awful gift.  "Uh, gee...thanks...for...that...really...oversized...sweater..."   Did we mention that it should be entered in the ugly sweater competition.
  7. No moolah.   Let's hope your family and friends present you with some money this Christmas, so you can get gas in your car.
  8. Nosy relatives.   Your Uncle Joe keeps asking what you're intentions are with life.  Are you always going to be stuck where you're at or do you have goals?  never mind that you're only 15, but "when I was 15 I was walking 5 miles to school, working a full time job and tending to the farm..."
  9. Christmas arriving too early.  We haven't even gotten to Thanksgiving yet and the local radio station is fixated on Christmas songs.
  10. Too much Christmas spirit.  Is it true that one can have too much Christmas spirit?  Yes, and there are people who point that out each year.  The carolers who are going around the neighborhood singing at the top of their lungs and it's not even December.  The Santa hat that makes it's debut early November.  Yes, there is such a thing as too much Christmas spirit.
Content provided by Transformer Marketing.

The Jordan Insurance Group, Maryland

At the Jordan Insurance Group, we can provide Maryland individuals for auto, home and health,  Maryland businesses with group benefits and financial services. 7230 Lee Deforest Drive, Suite 202 Columbia, MD 21046 410.312.0811-Phone 410.312.0815-Fax http://www.JordanGroupInsurance.com “Large enough to serve, small enough to care” Website | Blog | Facebook | LinkedIn

Employee benefits-we can help you

Author WilliamJordanSr , 12/2/2013
The Jordan Insurance Group, MD, Employee BenefitsWith all the new changes that are facing employers right now, you must have a lot of questions.  Questions like:
  • Can you keep your benefits program and still manage your overall costs?
  • Navigate the changes the health care reform brings?
  • Help your employees with financial protection?
These are all questions we here at The Jordan Insurance Group can answer for you.  Give us a call today at 410.312.0811 so we can answer you with all of your questions. Original Content provided by Transformer Marketing.

The Jordan Insurance Group, Maryland

At the Jordan Insurance Group, we can provide Maryland individuals for auto, home and health,  Maryland businesses with group benefits and financial services. 7230 Lee Deforest Drive, Suite 202 Columbia, MD 21046 410.312.0811-Phone 410.312.0815-Fax http://www.JordanGroupInsurance.com “Large enough to serve, small enough to care” Website | Blog | Facebook | LinkedIn

Insurance exchange enrollment rises 36 percent in Maryland

Author WilliamJordanSr , 11/29/2013
The Jordan Insurance Group, MD, ACA More than 1,700 Marylanders had enrolled in health insurance coverage through a new state marketplace from Oct. 1 through Nov. 9, and of those who signed up in October, most were women and middle-aged, state health officials said. The enrollment total was a 36 percent increase in a week. Along with its weekly update of enrollment and application processing numbers, Maryland Health Connection released demographic information on early enrollees for the first time. Women made up 55 percent of the enrollees.
Nearly two-thirds of those who enrolled between Oct. 1 and Nov. 2 were between the ages of 35 and 64; 21 percent were 25 to 34, 13 percent were 24 or younger and less than 1 percent were over 65.
The detailed statistics for Maryland came after the release of nationwide enrollment numbers Wednesday. Federal health officials said 106,000 Americans had signed up for coverage in October, the first month the exchanges were open as part of federal reforms launching in 2014. That was one-fifth of the enrollment numbers federal Health and Human Services officials had targeted, and only about one-fourth of the enrollees signed up through HealthCare.gov, the federally run exchange for states that did not create their own marketplaces. Maryland officials also revealed which types of plans people are buying. The largest numbers, nearly two-thirds, signed up for plans rated "bronze" and "silver," in which consumers pay for 40 percent and 30 percent of the costs of care, respectively. Sixteen percent signed up for "gold" plans and 19 percent signed up for "platinum" plans, in which consumers pay 20 percent and 10 percent of costs, respectively. Nearly 84,000 people had signed up to be automatically enrolled in Medicaid insurance coverage because of broadened eligibility requirements effective next year. Tens of thousands of others may be considering insurance purchases — 53,000 people had created accounts on the Maryland Health Connection website as of Nov. 9, allowing them to shop for plans. Content provided by http://articles.baltimoresun.com/2013-11-15/health/bs-hs-health-exchange-numbers-20131115_1_maryland-health-connection-enrollment-10-percent

Happy Thanksgiving!

Author WilliamJordanSr , 11/27/2013
The Jordan Insurance Groupo, MD, Thanksgiving turkeyAs another year of blessings, health, love, laughter and fun passes, we would like to give thanks on this special day. Thank you! Thank you for your confidence and loyalty. Thank you for your trust and friendship. Thank you for illuminating our year. We hope many more blessings are coming your way! Happy Thanksgiving. Sincerely, The Jordan Insurance Group Team!  

The Jordan Insurance Group, Maryland

At the Jordan Insurance Group, we can provide Maryland individuals for auto, home and health,  Maryland businesses with group benefits and financial services. 7230 Lee Deforest Drive, Suite 202 Columbia, MD 21046 410.312.0811-Phone 410.312.0815-Fax http://www.JordanGroupInsurance.com “Large enough to serve, small enough to care” Website | Blog | Facebook | LinkedIn Image provided by Benjamin Wolfe

Proactive employee health programs make sense-and dollars

Author WilliamJordanSr , 11/25/2013
The Jordan Insurance Group, MD, Employee health benefitsBasic health interventions can help your business lower short-term disability rates, while reducing your employees’ time away from work. That’s the bottom line of a nationwide study of 118,000 employees by CIGNA, a major health services company. CIGNA found that these measures, combined with predictive analytics, cut disability rates by 15% among employees at high risk of suffering disability within in the next 12 months. (The study defined “high risk” as a 10% or greater probability of becoming disabled during this period). “By identifying workers at high risk of future short-term disability and providing individualized intervention that includes coaching, incentives, and other outreach, our study shows that the onset of disability absence can be reduced measurably, benefiting employers and employees alike,” says Dr. Robert N. Anfield, chief medical officer for CIGNA’s Disability business. Future studies will deal with the impact of intervention on the length of short-term disability, return-to-work rates, and total medical costs. The company’s Absence Prediction and Prevention program establishes an intervention, led by a nurse/health advocate, that provides:
  • Early identification of workers at high risk for future short-term disability.
  • Proactive outreach to these employees.
  • Clinical Assessment.
  • A range of disability absence prevention strategies.
By proactively identifying employees who might be having health problems before their condition worsens and they need to leave work, you can help workers stay healthy and potentially prevent or lessen the impact of injuries or illness – which translates into lower absenteeism, higher productivity, and a healthier bottom line. It makes sense to develop an absence prevention program that emphasizes preventive health safety training. As always, we stand ready to offer our advice. Some content provided by http://www.riskandinsurance.com/story.jsp?storyId=533353082.

The Jordan Insurance Group, Maryland

At the Jordan Insurance Group, we can provide Maryland individuals for auto, home and health,  Maryland businesses with group benefits and financial services. 7230 Lee Deforest Drive, Suite 202 Columbia, MD 21046 410.312.0811-Phone 410.312.0815-Fax http://www.JordanGroupInsurance.com “Large enough to serve, small enough to care” Website | Blog | Facebook | LinkedIn