RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

Don't Get Taken to the Cleaners by Your House Cleaner

July 22, 2015 1:18 am

The home cleaning industry is rife with companies that outsource work to contract laborers in an effort to control expenses and maximize shareholder earnings. This type of business model puts the homeowner at risk. Why?

Home cleaning companies using contract labor do not have to provide workers compensation. While it assumed the contractor maintains his or her own policies, many gamble against the odds of injury on the job.

“In the unfortunate event that injury does occur, contract cleaning workers may seek (and get) medical reimbursement from the owners of the home they were cleaning when the injury took place,” says Maid Brigade President Bart Puett.

Homeowners may also be liable for Social Security, Medicare and unemployment taxes and penalties for the contract workers who do not make accurate and timely payments to the IRS themselves. Since the contract worker is not employed by the housecleaning company that dispatched them, the IRS may deem that the homeowner is the employer of that cleaner, and therefore responsible for these taxes.

Though the risk of finding a surprise tax bill in the mailbox is slim for most homeowners who hire cleaning help, it is best not to take chances.

When hiring a cleaning company, do your homework. “Homeowners should do their due diligence before hiring a house cleaner or professional cleaning service,” says Ernie Hartong, CEO of the Association for Residential Cleaning Services International (ARCSI). “To avoid the pitfalls that can occur when someone is working in your home, ask to see a copy of the company's business license and insurance policy before hiring. A professional company should gladly provide these to any consumer who asks."

Source: Maid Brigade

Published with permission from RISMedia.


Tags:

Are You Prepared for Emergencies while Traveling?

July 21, 2015 1:15 am

Does your health insurance cover incidents while traveling abroad? Depending on your domestic healthcare provider, specific plan and area of travel, medical coverage can vary widely. According to the InsureMyTrip.com, travelers should be familiar with any limitations on domestic health insurance policies while out of the country.

In most cases, InsureMyTrip says, there are gaps in coverage. The U.S. State department estimates very few domestic heath insurance companies will pay for a medical evacuation back to the United States, which can easily cost up to $100,000 or more, depending on the condition and location of the patient. Unless an individual has a supplemental plan (like Medicare Advantage or Medigap, Medicare does not cover travelers outside of the U.S.

Travel insurance can act as supplemental or primary coverage for emergency medical care (when a traveler requires a doctor or hospital visit while traveling abroad), emergency evacuation (when a traveler requires transportation to another medical facility, or back home for further care), and 24/7 emergency assistance (when a traveler needs help with a medical or safety-related issue, needs to find a doctor or hospital, or requires translation services).

Some travel insurance policies also cover pre-existing medical conditions. Most travel insurance providers offer two types of plans:

1. Comprehensive Travel Insurance
– Offers the most protection for travelers. Provides a variety of benefits, including trip cancellation, trip interruption, emergency medical evacuation or coverage, 24/7 emergency assistance and baggage protection.

Example: For a $5,000 two-week vacation to Aruba, a comprehensive travel insurance plan will cost a couple in their fifties around $200. This includes a $50,000 medical limit and $250,000 for medical evacuation.

2. Travel Medical Insurance
--- Provides emergency medical coverage, 24/7 emergency assistance and emergency medical evacuation coverage. Trip cancellation is typically not included.

Example: For the same trip to Aruba, a travel medical insurance plan will cost a couple in their fifties around $80. This includes a $50,000 medical limit with a $250 deductible and $500,000 medical evacuation.


Both comprehensive and travel medical insurance plans are a valued supplement while traveling overseas, offsetting possible coverage gaps in some domestic health insurance plans.

Source: InsureMyTrip

Published with permission from RISMedia.


Tags: