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At The Gaudreau Group, we keep our clients informed of important issues that matter to them. It's just another way we take care of our clients. |
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Protect Your Paycheck | |
You wouldn't dream of not insuring your home or your car. What if your home burned down, or your car was totaled in an accident? That's what insurance is for - to put you back where you were before the loss, to make you financially whole again. But what about protecting something many times more valuable than either of those? Your paycheck.
What would happen if suddenly, due to an illness or accident, you were unable to work? How long would you be able to make your mortgage and car payments without an incoming paycheck? How many times could you go grocery shopping without the worry of having enough money? If you are like most Americans, you couldn't make it much more than a month. One in four Americans will have problems almost immediately.
This is where Disability Insurance comes in. It insures your paycheck if you cannot work because of an illness or injury. A basic Disability Insurance policy will cover your paycheck up to about 66% before taxes. Supplemental Short-Term Disability Insurance is also available, which could make your weekly take-home payment equal to your normal paycheck. Many people put off buying Disability Insurance because they don't think a disability could happen to them. Statistics show that you have a roughly 3-in-10 chance of becoming disabled for 90 days or more before the age of 65. You insure your homes and cars against unplanned damages - why wouldn't you do the same when it comes to your income?
As your insurance partner, The Gaudreau Group can assist you in securing Short-Term and Long-Term disability insurance for yourself or providing it to your staff. Call one of our Professionals today.
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More Benefits, Less Cost |
Would you like to get more out of your Employee Bebfits Program at no additional cost?
Do your employees understand and appreciate the part of their paycheck that is hidden in the form of benefits?
Would you like to be able to offer additional employee benefits at no additional cost to the company?
The Gaudreau Group can help.
We offer customized individual Employee Benefit statements and one-on-one Employee Benefit counseling at no cost to our valued clients.
We work with Colonial Life, a voluntary benefits carrier that is rated highest in customer service and overall quality. With Colonial, we can provide your company voluntary individual payroll deducted disability insurance, life insurance, and cancer & accident protection plans. There is no employer cost in offering these benefits to employees.
Our friends at Colonial Life provide each of your employees with their own custom benefit summary, which illustrates all of the value behind the group benefits that you provide.
Call Lindsey Bubar, Customer Relationship Managager, at (413) 543-3534 to learn how to get the most from your Employee Benefits Program. |
Data Security: IT'S THE LAW
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 Do you have clients that live in Massachusetts? What kind of information do you keep on file about them? Massachusetts has enacted legislation, 201 CMR 17, that sets very clear standards for the handling of clients' Personal information.
What is Personal information? According to
201 CMR 17, Personal information is "a Massachusetts resident's first name and last name or first initial and last name in combination with any one or more of the following data elements that relate to such resident: (a) Social Security number; (b) driver's license number or state-issued identification card number; or (c) financial account number, or credit or debit card number, with or without any required security code, access code, personal identification number or password, that would permit access to a resident's financial account; provided, however, that "Personal information" shall not include information that is lawfully obtained from publicly available information, or from federal, state or local government records lawfully made available to the general public."
If your business has this kind of information about your clients, you need to comply with the law. Failure to do so could result in large fines. Your first step should be to read the law, which can be found here.
The Gaudreau Group is fully compliant with the law. Please contact us if you need proof of compliance for your records.
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Client Profile |
ProShred Security, a national company, was started in 1986, and Joe Kelly & Barry Sanborn have owned their Wilbraham, MA franchise since 2003. Their local office serves all of Massachusetts.
ProShred's mobile on-site destruction system eliminates the risk that you incur when you allow someone to take your materials to another location to complete the shredding.
Their trained and background-checked employees are bonded, uniformed, and present security ID badges at every pickup. You can put your trust in their drivers and customer service professionals - their highest priority is the correct handling of your sensitive and confidential documents.
At no charge, clients are given attractive, locked, frontloaded secure collection consoles to dispose of material to be shredded. On a scheduled basis, ProShred will pick up your confidential materials and shred them on premises. You are even welcome to watch the process! At the end of every shred, clients are provided with a ProShred Certificate of Destruction.
ProShred takes seriously the preservation of our environment. They recycle all of the shredded paper that is destroyed; partnering with you, not only in your security and privacy, but also in your commitment to help the environment.
ProShred also offers a unique program which can provide security for your employees who work in home offices. Call Barry Sanborn or Joe Kelly at ProShred today to develop a customized ProShred Security Plan for your business.
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The staff at The Gaudreau Group is here to help you. We craft innovative solutions for our clients' insurance and financial services needs. Please call us to talk with one of our professionals about any of the articles you've read today.
Sincerely,
The Professionals at
The Gaudreau Group Inc |
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| Professional Profile |  | |
Daryl Grabowski
Vice President
Employee Benefits
Daryl Grabowski has a clear focus in his role at The Gaudreau Group: Craft the best Employee Benefits Package at the right price for our clients. He
accomplishes this goal, first and foremost, by listening to clients to learn what is important to them. Daryl uses what he learns about his clients to create the right package for them by working with his experienced staff and our large network of insurance carriers.
Over the last 20 years, Daryl has become one of The Gaudreau Group's best assets. He's a trusted ally and a truly compassionate person. Daryl volunteers large amounts of his time to various causes, such as raising funds for local scholarships, serving on multiple committees for other local fundraising groups, and serving on legislative committees. He is also the State Treasurer for the Massachusetts chapter of the National Association of Insurance and Financial Advisors.
Born in Springfield, Daryl was raised in Paxton, MA. He returned to Springfield after high school and graduated from Western New England College. Daryl has since resided here in Western Massachusetts with his family.
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