Holmes Insurance Services, Inc. | Insuring Youngsville & North Carolina

Am I Required to Provide My Employees with Short-Term or Long-Term Disability?

Posted: February 28, 2021

Short-term disability insurance provides some income replacement when a non-work-related illness or injury leaves an employee unable to work for a limited time period. Long-term disability insurance serves the same purpose, only for longer periods of time, ranging from two years to retirement age, depending on the policy. No law requires employers to offer long-term disability insurance to employees. However, five states and Puerto Rico...

Does Your Life Insurance Policy Offer This Surprising Benefit?

Posted: February 22, 2021

Just six months after retiring from 32 years on the Richmond, Virginia, Fire Department, Len Archer got a devastating diagnosis from his doctor. He had pancreatic cancer, and he likely had only two to eight months to live. In an instant, Len, 56, and his wife, Paula, went from planning their retirement to preparing for what appeared to be the inevitable. At the urging of...

How to Choose a Life Insurance Beneficiary

Posted: February 16, 2021

Life insurance is important to protect your family’s financial future. Who you name as a beneficiary can be just as important as your initial decision to purchase life insurance. It’s a big job, which is why it’s important to choose the right person – someone who’s trustworthy and knows what matters most to you. Your local ERIE agent is here to help you determine the...