| May 22, 2013 | Vol. 3
Issue No. 5
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Good Morning!
We've put together some of the most recent important news in the insurance industry. Please give us a call or send us an email if you have any questions or concerns about the information enclosed in this newsletter. We look forward to being an advocate for you in the insurance world. Have a happy and healthy day!
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 | | What is Disability Insurance? |
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What Does That Mean?
Helpful Terms and Insurance Lingo
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Disability Insurance: Insurance policy that pays disability benefit as a partial replacement of income lost due to illness or injury.
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Early Renewals Offered to
Small Employers |
To help mitigate the impact of the Affordable Care Act (ACA) on health insurance premiums, some health insurance issuers in the small group market have been encouraging small employers to renew their coverage early for 2014.
The early renewal option offers small employers the option to renew their coverage in late 2013 instead of waiting to renew until their 2014 policy anniversary dates.
View the full PDF document here.
Interested in an Early Renewal Option?
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Are you prepared for a disability?
5 questions every worker should ask.
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Your most important asset is not your home, your car, your jewelry or other possessions. It's your ability to earn a living. But what would happen if your paychecks stopped? That's where disability insurance comes in. It provides an income to you and your family if you are unable to work because of illness or injury.
Illnesses and accidents are on the rise in America, causing more workers to miss work and lose income. At some time during their working careers, 3 out of every 10 workers will suffer a disability and be unable to work for a significant period of time. Click here for the 5 questions every worker should be asking.
To find out more about disability insurance click here.
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Health Care Reform:
Individual Premium Subsidy & Penalty
Grant Cully on WHHI-TV's Talk of the Town
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What's Happening at Harbour Health:
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Janet Cully ran her very first half marathon earlier this month!
She ran 13.1 miles in the Cincinnati Ohio "Flying Pig" on May 5th.
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Hilton Head Health - Wellness Tip
Basic Fundamentals of a Good Diet
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Practices Hilton Head Health has been recommending for years
Provided by Bob Wright, Director of Lifestyle Education at Hilton Head Health
A study recently published online in the Journal of the Academy of Nutrition and Dietetics found that of all the things you can do to manage your weight, doing three things seemed to have the biggest impact:
1. Keeping a food journal
2. Not skipping meals
3. Eating out less frequently
Lead author of the study, Anne McTierman M.D., Ph.D. commented "when it comes to weight loss, evidence from randomized controlled trials comparing different diets finds that restricting total calories is more important than diet composition such as low fat versus low carbohydrate. Therefore, the specific aim of our study was to identify behaviors that support the goal of calorie restriction." Those behaviors seemed to have the biggest effect on the caloric intake of the participants. Click here to read more about the study and results found.
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Recipes from H3 Healthy Kitchen Chef Jen Welper:
May is National Mediterranean Diet Month! 
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Here at Hilton Head Health, we don't endorse "diets" - we endorse a lifestyle. So here, Mediterranean isn't just a "diet;" it's a way of living. It's characterized by the traditional cooking styles and foods of those countries bordering the Mediterranean Sea, which include fresh fish, fruits, vegetables, high-fiber grains and healthy, unsaturated fats - paired with an active lifestyle of course!
In celebration of National Mediterranean Diet Month, we encourage you to incorporate some Mediterranean dishes into your meal plan. To help you start, try our popular Chicken Souvlaki recipe.
For more great, Mediterranean inspired recipes, visit our blog at H3Daily.com
The H3 Healthy Kitchen offers Chef's Table dinners and hands-on cooking classes with topics ranging from Grilling 101 to Cooking for One. View the H3 Healthy Kitchen event calendar online or call (843) 785-3919 for information on H3 Healthy Kitchen offerings, wine tastings and private events.
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If you have any questions, concerns, comments, or would like any additional information please feel free to contact any member of Harbour Health Insurance Solutions.
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It's time for the 2013 Island Packet Reader's Choice!
Click here to vote for Harbour Health as the Best Insurance Agency!
And we have Grant, John, and Andrew all up for Best Insurance Agent!
We are all on Page 8 of the ballot
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Harbour Health Insurance Solutions is a proud member of both
Are you a Chamber member?Call us to take advantage of special group and individual insurance options exclusively for Chamber members!
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We want your feedback!
Good or Bad, Complaint or Compliment, please let us know what you think we are doing right and if you think we can improve on anything.
We strive to ensure that you are pleased with our work and we truly appreciate any remarks that will help both improve our operations and promote our best qualities. CLICK HERE to let us know your opinion about Harbour Health
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Copyright © 2013. All Rights Reserved.
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