Ron Segal
Insurance Services, Inc.

Individuals

As an independent broker, we represent a wide variety of insurance carriers to provide you with the best options for your specific needs.  Please give us a call and let us know how we can be of assistance.

 
 Health Insurance
           
       Did you know you may incur a tax penalty if you do not have an ACA (Affordable Care Act) compliant health coverage plan?  You may also incur a tax penalty if you are uninsured for a period of time.  What you need to know if you had a gap in coverage:

Consider filing for the "Short Gap" Exemption, if you had no more than 2 consecutive months without coverage.  Consider the following examples of not having coverage for a specific period of time: 

Example: You did NOT have coverage from March 2 to June 15. Your coverage gap was 2 months – April and May. You qualify for the exemption.

If your gap was 3 months or more, you cannot claim this exemption for any of those months.  
Example: You did NOT have coverage any day in April, May, or June. You cannot claim this exemption for any of those months.

If your coverage gap crosses calendar years, the months without coverage of the second tax year are not counted for the exemption for the first tax year.  But the uncovered months from the first year are counted for the exemption for the second tax year.
Example: You did not have qualifying coverage November 2015, December 2015, and January 2016. You may be eligible for the short gap exemption for 2015.  For the 2016 tax year, you would not be eligible for the short gap exemption for January 2016 because you didn’t have coverage for three consecutive months – from November 2015 through January 2016.

If you had 2 or more gaps in coverage during the year you can claim this exemption only for the months of your first coverage gap. This is true even if both gaps are less than 3 months.
Example: You did not have coverage any day in May or any day in November or December. You can claim this exemption only for May.

Unless a circumstance leaves you unintentionally without coverage, please ask us about short-term coverage.  There are short-term policies that will provide catastrophic coverage so you are not totally uninsured.  It is important to note short-term coverage does not adhere to ACA standards and does not exempt you from a tax penalty.


Life Insurance

     You need to protect what is most important; your family and your lifestyle.  Often times, the unexpected can occur and your loved ones are faced with tough financial obligations.  Don't let this happen to you.  Life insurance can be more affordable than you may have been lead to believe.  We want to help you understand the different policies and what will fit your family's needs.


 Disability Insurance

     How often do you think about the chances of becoming disabled?  Disability insurance protects your earnings if you cannot work. According to the Disability Management Sourcebook, one in seven people will become disabled for five years
or more before the age of 65.
           

            
 Long Term Care
           
     Did you know about 70% of people will need some form of Long Term Care at some point in their lives? 

     Did you know Medicare does not pay for the majority of at-home long term care?

     Please use this helpful guide when planning on Long Term Care insurance and contact us for further information.

     Long_Term_Care_Guide__RSI_.pdf
1.5 MB




Here are just a few of the carriers we represent:

Disclaimer
Ron Segal Insurance Services, Inc. or its staff does not bind, issue, approve or guarantee coverage of any policy for which you have received a quote or applied.  All underwriting and final approval decision, if any, is formally notified by the insurance carrier.