Sue Swanson
President

(720) 858-6288

Mike Edwards

 Dir. of Financial Services (720) 858-6289

Andrea Levine

 Senior Account Executive

(720) 858-6287

Mitch Laycock

 Account Executive

(720) 858-6297

Cary Lamb
Account Executive
(720) 858-6282

Introducing a New Addition to Our Team! COPIC Financial has partnered with Aflac to offer short-term
disability coverage.

----Aflac adds that extra layer of protection your employees need.

----There's no direct cost to your company.

----Aflac processes claims in an average of four business days.

----Aflac offers both group and individual voluntary insurance plans.

Contact Andrea Levine or Cary Lamb with questions!

What Our Clients are Saying about our Property and Casualty Insurance Expertise

"I am very impressed by your thoroughness and follow through, and if I have needs in the future, I will be sure to call upon you. Thanks again."
-COPIC Financial client

Have you recently booked that once-in-a-lifetime vacation? Protect it from
the "what if."

COPIC Financial now provides Travel Insurance!

Click HERE to get a quote.

• Centers for Medicare/ Medicaid Services 
• CO Unemployment Insurance 
• Denver Regional Council: Governments Area Aging 
• Division of Insurance 
• Occupational Safety and Health Administration (OSHA) 
• Senior Health Ins. Assistance Program 

The average physician graduates medical school with more than $169,000 of debt¹, which may take years to pay off. Incurring student loan debt is a normal occurrence for most physicians and dentists, but what would happen if you became injured or too ill to work before those loans are paid off? Having sizeable student loan payments on top of other expenses would make a difficult financial position even more formidable. Consider protecting your ability to meet student loan obligations in the event of total disability with optional Student Loan Protection available through a ProVider Plus Disability Insurance policy. Benefits include:

• Additional coverage---- up to $2,000/month above what you might otherwise qualify for based on your income.
• Tailor coverage to your loan obligations---- reimbursement of $500-$2,000 per month towards student loan payments in the event of total disability.

• The ACA's prohibition on pre-existing condition exclusions for all enrollees is effective for plan years beginning on or after Jan. 1, 2014.
• Health plan sponsors that provide prescription drug coverage to Medicare Part D eligible individuals must provide a disclosure notice to the Centers for Medicare & Medicaid Services (CMS) on an annual basis, within 60 days after the beginning of the plan year.
• If a health plan is required to file a Form 5500, the deadline (without extensions) is the last day of the seventh month following the end of the plan year.

• The plan year is the deductible or limit year used under the plan;
• If the plan does not impose deductibles or limits on a yearly basis, the plan year is the policy year;
• If the plan does not impose deductibles or limits on a yearly basis, and either the plan is not insured or the insurance policy is not renewed on an annual basis, the plan year is the employer's taxable year;
• In any other case, the plan year is the calendar year.