Posts Tagged ‘ insurance ’

Shrewsbury Branch Grand Opening Event Slated for Saturday

We hope to see you at our celebration event on Saturday!

shrewsbury grand opening main graphicGrand Opening graphicenter to win PSU tixfind us

Travel Insurance Makes for a Worry-Free Vacation

cute family at airport

How many times have you planned a vacation and something has come up. Be it a family emergency, work conflict or medical situation, travel insurance can be a trip investment worth making. Travel insurance covers many unforeseen expenses while traveling.

Members 1st Insurance Services offers a broad range of travel insurance options to fit your specific travel needs whether your trip is a domestic summer vacation or you’re heading abroad. Options offer higher limits and family packages. 

Coverage includes:

  • Trip Cancellation
  • Trip Interruption and Delay
  • Emergency Medical Coverage
  • Medical Evacuation/Repatriation
  • Air Flight AD&D
  • 24 Hour Emergency Assistance
  • Concierge Services

Options for Everyone
We offer a broad range of travel insurance options to fit your specific travel needs.

Coverage and Services may include a Pre-Existing Condition Waiver, Primary Medical Coverage on International Travel, Family Plan Perks, and Medical Assistance Services.

Contact Members 1st Insurance Services today to learn how we can help you with Travel Insurance by calling (800) 283-2328, ext. 5218.

FREE Insurance Quote


*Travel insurance is available to PA  and MD residents only. Ask an Insurance Services representative for details.

Free Long Term Care Seminar June 17

long term care

Members 1st Federal Credit Union is hosting the following free seminar for the public:

TOPIC: Long Term Care Seminar

DAY: Wednesday, June 17

TIME: 5:30 to 7 pm

LOCATION: Linglestown Giant Community Center, 2300 Linglestown Road, Harrisburg

SEMINAR SUMMARY: Attendees will learn more about the costs associated with long-term care, how a comprehensive coverage plan can help you with home health care, adult day care, assisted living and skilled nursing care; and potential tax benefits.

PRESENTED BY:  Ben Lausch, Health Benefits Specialist and Deb McClain, Commercial Insurance Manager, both of Members 1st Insurance Services and Mike Baker, Director, Brokerage & Affinity Markets, AffinityLTC, LLC.

COST: free

RSVP: (717) 458-6269 or (800) 283-2328, ext. 6269 or click here.

Have you had the talk… about Long Term Care?


Do you know what you or your loved ones want regarding long term care? Would you want to receive care at home or in a facility with round-the-clock nursing staff? Are you counting on family and friends to help? Have you considered the costs of long term care?

As the years pass, there’s a good chance you may need assistance with life’s every day activities. If given the choice, you will probably want to stay in your own home and maintain your independent living. Sometimes, that’s not possible. Unfortunately, growing older and needing living assistance or care comes with a hefty price tag. You do need to think about it. Ask yourself:

  • Can I afford to pay for long-term care services out of my own pocket?
  • Do I have enough money in savings to pay for services?
  • Will I have to sell some of my assets? If I do, what would I sell?
  • If I have to pay for long term care services, how will that affect my retirement?
  • How will paying for long term care affect me and my family’s quality of living if they have to help me pay for care or take care of me?

couple_50s_dark hair_long term care_3The reality of aging Pennsylvania

  • Pennsylvania isn’t getting any younger. We rank fourth in the U.S. by percentage of the population age 65 and older and 1 in 5 Pennsylvanians are 60 and older.*
  • By 2030, 29% of Pennsylvania’s population will be 60 and older – that’s approximately 4 million people.**
  • The cost of long-term care in Pennsylvania averages between $70,000 and $100,000 annually.

Medicare and private health insurance programs do not pay for the majority of long term care services that most people need. That’s where a long term care policy comes in to help you manage these expenses and protect your retirement savings so you can have peace of mind when you need it most.

Plan now. Worry less later.

Retired Senior Man Having Health Check With Nurse At Home

Most of us will need some type of long term care service in our lifetime due to cognitive or physical impairments. Planning now will help with the inevitable costs relating to your care. A long term care policy will help you pay for:

  • personal care services
  • homemaker services
  • professional services such as a registered nurse, home health aide or therapist
  • assisted living
  • nursing home
  • hospice care

The costs of these services vary greatly and can add up quickly while depleting your savings. Purchasing long term care insurance now while you are younger and healthier allow for affordable premiums.

We care about you at Members 1st Insurance Services.***
Members 1st Insurance Services is an independent agency that works with multiple carriers. We don’t believe in a one size fits all approach. We will tailor your long term care insurance policy specifically for you by evaluating your needs and budget. We’ll guide you through your options so you can select what’s appropriate for you in terms of policy limits, maximum monthly benefits, elimination periods and inflation protection. We will also discuss additional optional benefits that may suit your needs.

Start a conversation today.
Ben LauschDon’t know how or where to begin with a long term care discussion? Share your thoughts with your significant other and other loved ones so that together, you can think, plan and discuss your ideas. Let me help you to start planning now for your comfortable, caring and affordable tomorrow. Call me, Ben Lausch, Health Benefits Specialist with Members 1st Insurance Services, at (717) 458-6269 or (800) 283-2328, ext. 6269

FREE Long Term Care Seminar – click for details.

*US Census Bureau, Demographic Profiles: Census 2010
**PA State Data Center. State and County Population Projection by Age and Gender, 2010 to 2040.
***Insurance services available to Pennsylvania residents only.

Make Sure You’re Covered in 2015!

Health InsuranceYou can sign up for health insurance, renew your current health insurance plan, or enroll in another plan for next year now through February 15, 2015.

Don’t have coverage? You can purchase health insurance on your hold if your employer doesn’t offer it, if your employer’s coverage is unaffordable, or if you’re self-employed. Plus, you can no longer be turned down because of pre-existing conditions. You may qualify for tax credits and savings on out-of-pocket costs, which could help make purchasing health care more affordable. Keep in mind that the fee for not having health insurance in 2015 is increasing to 2% of your income or $325/person. Make sure to enroll by December 15, 2014 in order to be covered on January 1, 2015.

Confused by We have a tool that can simplify the process. To review your health insurance options and enroll/update your plan, go here and click on Get a Quote Today.

If you have any questions, our local expert Health Benefits Specialist Ben Lausch provides excellent service and would be happy to assist you with your choices. Contact him at (800) 283-2328, ext. 6269 or

This article has been reprinted from the November/December 2014 edition of Avenues.

Has Old Man Winter Done a Number on Your Home?

ice and snow on roofIce, snow, freezing rain, melting snow, refreezing snow – we sure have had our fill this winter, haven’t we? How’s your home holding up to all of this winter abuse? Old Man Winter has the potential to do serious damage to your roof, other areas outside your home – not to mention the possible ripple effects that can occur inside. Obviously pre-season prevention helps, but if you didn’t prepare your home for winter a few months ago, keep the following in mind as we move towards the end of the winter season.

Be aware of an ice dam forming on your roof. This happens when water from melting snow re-freezes at the edge of your roofline. If you don’t remove the snow from your roof, this ice dam could grow large enough to prevent water from draining off of the roof. When this happens, just like when the drains are covered on the street, water builds up, backs up and then it could make its way inside your home. The last thing  you want is your roof or ceiling having issues. As a property owner, you are responsible for the cost of preventive maintenance. You may find it helpful each winter season to develop a snow removal roof monitoring plan. 

If you have an attic, be sure it is thoroughly insulated. When heat escapes through the roof, it will melt what’s on top of it and then when it re-freezes, you could end up with a serious issue.

Make sure you’re turning off your outside water faucets and draining them before the deep freeze sets in. Add weather-stripping around doors and caulk your windows to guard against drafts and heat loss. Maybe you need to make the investment into new windows and doors. Be sure to get your chimneys cleaned and your furnace checked out each season. Change your furnace filter. Don’t turn off your heat or set it below 55 degrees. You need to have some heat circulating in your home, even when you are not home. You really don’t want to have to deal with frozen or bursting pipes, do you? Clean a clear path around your outside dryer vent, ventilation pipes and so on.

Keeping your safety in mind first, should you have a roof full of snow and ice, be sure remove as much snow as you can after every storm. The amount of snow and ice that your roof can handle varies according to a number of factors such as the roof type, age, and condition of the structure. And remember to inspect your roof each season, keep gutters free from debris such as twigs, leaves and the like. Clean out your down spouts.

Use a roof rake to clear the snow. Rule of thumb – if you have more than a foot of heavy, wet snow up there along with ice, do what you can to get it removed. If you can’t do it yourself or with a neighbor, call a reputable contractor or check with your home, landscape or roofing contractor or call your property maintenance company. Remember, climbing a ladder in snow and icy conditions is never a good idea. Safety first.

Before filing a claim, be sure to have seasonal maintenance done on your home to avoid those costly repairs. The cost of snow removal may be considerably less in price than the cost of roof damage, interior damage and other issues caused by water leaks.

Would you like a free quote for your homeowners insurance? Check out Members 1st Insurance Services*.  Also, ask us about renter’s insurance – protect your personal property while renting under someone else’s roof.

Watch out for deer this time of year


It’s that time of year when deer are on the move. According to a State Farm Auto Insurance 2013 Deer-Vehicle Collision Report, here’s the top 10 states with deer crash risks. Yep, Pennsylvania made the list:

1. West Virginia – 1 in 41
2. Montana – 1 in 65
3. Iowa – 1 in 73…
4. South Dakota – 1 in 75
5. Pennsylvania – 1 in 77
6. Minnesota – 1 in 80
7. Wisconsin – 1 in 82
8. Mississippi – 1 in 84
9. Arkansas – 1 in 89
10. Michigan – 1 in 92

We’d like to pass along the following*:
• Deer are most active between sunset and midnight, and during pre-dawn hours so watch for them.
• Migration and mating season is October-to-January.
• Slow down in posted deer-crossing areas.
• If you see one deer, remember that others are probably nearby.
• Use high beams at night in deer territory when there is no oncoming traffic.
• If a deer is frozen in your headlights, honk your horn in a loud, sustained blast.
• Don’t rely on deer whistles or roadside reflectors; they have not been proven effective.
• If you can’t avoid a deer, brake and stay in your lane. Don’t endanger other vehicles.
• If you strike a deer, do not touch the animal. It may harm you or further injure itself.
• Call police immediately if you hit or are hit by a deer.
• Take pictures of the accident scene and vehicle damage for your insurance claim.

Lack of auto coverage will cost you in ways you can’t imagine. The experts at Members 1st Insurance Services know car insurance and can help you design a coverage plan tailored to your needs: comprehensive, collision, bodily injury liability, property damage liability, injuries caused by uninsured/underinsured motorists, and medical payments. Ask us about rental reimbursement, repair or replacement coverage, towing and labor coverage, gap insurance and more. Call us for a free insurance quote at (800) 283-2328, ext. 5218 or 5245 or visit our insurance services web page.**

*Source: Insurance Information Institute 
**Insurance services are avialable to Pennsylvania residents only.

Make sure you’re covered.

patient on stretcher with medical team_18095054_xxl_small

It’s important to know that you could experience new penalties starting in 2014 if you don’t have health insurance. If you do not carry health insurance, you may have to pay a fee – along with all of your health care-related costs. To avoid the fee, you will need insurance that qualifies as minimum essential coverage. As a way to help individuals obtain the required coverage we will soon offer a new tool on our website ( which will allow you to compare multiple plans from the top carriers in the industry and to enroll online. Beginning in 2014, Health Care Reform provides guaranteed eligibility, so you can no longer be turned down because of medical conditions.

If you have questions about Health Care Reform our licensed insurance professionals at Members 1st Insurance Services* are here to help guide you through this complicated maze. Give us a call at (800) 283-2328, ext. 6269.

For information about health care reform, visit

*Insurance Services is available to Pennsylvania residents only.

Fire safety and preparedness starts with you.

fireman burning house_6171768_xl_fb

Fire Prevention Week is October 6-12, 2013. Do your part in preventing fires every week, better yet, every day.  Unlike other types of disasters, most home fires can be prevented. From the kitchen to romantic candlelight, to holiday decorations and common household items, things you see and use every day can quickly spell disaster if you’re not careful.

Members 1st Insurance Services offers the following tips:

  • Install a smoke alarm on every level of your home. Test it monthly. Replace the battery at least once a year.
  • Keep a fire extinguisher on all levels of your home, especially in the kitchen.
  • Never overload power strips, extension cords or circuits. Do not place cords and wires under rugs, over nails or in high traffic areas.
  • Use appliances wisely. Watch out for overheating, unusual smells, sparks and shorts.
  • Make sure your wiring and heating system are updated and inspected by a professional.
  • Use safety caps on unused outlets especially if you have small children.
  • Clean your chimneys annually. Use fire screens.
  • Portable heaters need space. Keep a minimum 3-foot distance between them and anything combustible.
  • Do not use gas grills or camping stoves inside. Kerosene heaters should be used with caution.
  • Teach everyone in your home that matches and lighters are not toys.
  • Clean dryer vents and lint filters with every use.
  • Clean out. Piles of clutter are a fire hazard.
  • Practice escape plans from every room in the house. Learn stop, drop and roll.
  • For more tips, visit

Call (800) 283-2328, ext. 5128 or 5245 today or visit

* Insurance services are available to Pennsylvania residents only. Ask us if you qualify for additional group rate discounts through our insurance carriers.

Don’t get run over by the lack of coverage


There’s a lot riding on the right auto inurance. Lack of coverage will cost you in ways you can’t imagine. The experts at Members 1st Insurance Services know car insurance and can help you design a coverage plan tailored to your needs.

When you talk about auto insurance, do you really understand what it all means? The following may help you understand some common auto insurance jargon. Please note that each state regulates auto insurance differently and some of the terms may differ from state to state or from policy to policy. Ask your insurance agent for clarification.

  • At fault – This is the degree to which you caused or contributed to the accident, or are “at fault”, and it determines whose auto insurance company pays what portion of the damages.
  • Bodily injury liability – This is what pays for the medical expenses and additional damages for which you are liable for other individuals injured in the accident in which you are at fault.
  • Comprehensive coverage – This pays for damages to your vehicle resulting from a covered loss other than a collision. Examples are theft, fire, vandalism, contact with persons, animals, birds or falling objects.
  • Collision coverage – This pays for physical damage to your vehicle if it’s caused by rolling the vehicle or you get into a collision with another vehicle or object such as a telephone pole, fence, or building.
  • Covered loss – This includes any damage to you, your vehicle or other people or property that is covered under your insurance policy.
  • Deductible – This is your upfront out of pocket expenses you pay before what your insurance company pays. Higher deductibles allow your insurance company to offer you lower premiums.
  • Property damage liability – This pays for the damages your auto causes to others and their property.
  • Medical payments coverage – This pays for reasonable medical expenses or death benefits to anyone covered under your policy, regardless of fault.
  • Premium – The amount you pay for your insurance coverage, monthly, quarterly or annually.
  • Underinsured motorist bodily injury coverage – This pays for your bodily injury and any related medical expenses when you’re injured in a car accident and the responsible party (someone other than you) doesn’t have adequate auto insurance.
  • Uninsured motorist bodily injury coverage – This pays for your bodily injury and related medial expenses if you’ve been injured in a car accident and the responsible party (other than you) doesn’t have auto insurance or can’t be located (hit and run).

Ask us about rental reimbursement, repair or replacement coverage, towing and labor coverage, gap insurance and more. Put the brakes on higher premiums and not being covered properly. Let us review your current auto rates and provide you with a FREE quote. We may be able to help you lower your premiums. Ask us if you qualify for an additional group discount through our insurance carriers.*

Call (800) 283-2328, ext. 5128 or 5245 today or visit

*Insurance services are available to Pennsylvania residents only.

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