MSH INSURANCE AGENCY

Insurance Options for North Carolina’s Certified Early Educator Workforce

Contact Options Call: 1-800-849-2484

Email Agents: see below Email MSH Office: info@mshins.com

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Supporting Certified Early Educators

MSH Insurance Agency has partnered with the NC Institute for Child Development

Professionals to pilot test offering a variety of insurance products to certified early

educators and services for employers who employ certified early educators.

Disclaimer: By offering these rewards and benefits to certified early care and school age

professionals, the North Carolina Institute for Child Development Professionals is not endorsing or recommending products or vendors associated with EEC Rewards & Benefits.

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MSH Insurance Agency Overview For more than 85 years, MSH Insurance has continued to grow along with the community by offering the finest selection of many forms of insurance protection and outstanding customer service. Today, the agency has 10 professionals on staff practicing personal, commercial, life and health insurance services. MSH Insurance is proud to be a Trusted Choice Agent and member of the North Carolina Independent Insurance Agents Association. Our President, David W. Purinai currently serves as the Chairman. Our organization manages in excess of $10,000,000 of customer premium and $4,000,000 of employee benefits.

Meet the MSH Insurance staff: http://www.mshins.com/about/staff

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Insurance Options for Certified Early Educators

•  Individual certified early educator •  Health (Medical/Prescription/Dental) •  Auto •  Home •  Renter’s •  Watercraft •  Personal Umbrella •  Life

•  Employer of certified early educators •  Group health

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Individual Options

• Health (Medical/Prescription/Dental) • Auto • Home • Renter’s • Watercraft • Personal Umbrella •  Life

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Individual Health Tips •  It has been said that nothing is more important than your health, and there is a lot of truth to that

saying.

•  Among other things, a loss of health can mean a loss of earnings if you are not able to work, and it can also mean medical bills that are extremely expensive. Health insurance can help you avoid some of those costs and it can also help individuals to lead more healthy lives by paying for preventive measures such as regular check ups and immunizations to name just two.

•  The importance of having health insurance should not be dismissed or underestimated. Rising medical costs can wipe out a lifetime of savings with just one major medical event. Even the most routine of surgeries can cost tens-of-thousands of dollars, and more sophisticated procedures can easily run into the hundreds-of-thousands of dollars.

•  Health insurance can help pay those skyrocketing costs and help save you from financial ruin.

•  Don’t go more than 63 days without credible health coverage to avoid pre-existing conditions exclusions.

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Sample Individual Health Quote

•  NOTICE: This is not a major medical insurance plan. This plan provides fixed indemnity benefits for hospital confinement and specified medical and surgical events. Fixed indemnity benefits are paid in the amount stated on the Benefit Schedule for Covered Events without regard to the costs of services rendered. This plan does not provide expense reimbursement for charges based on your health care provider's bill. This is not a Medicare supplement plan.

•  This quote is based on a 30 y/o female in zip code 27804.

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Individual Option: Sample Personal Auto

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Individual Option: Sample Homeowners Quote

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Individual Option: Sample Renter’s Quote

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Employer Options •  Group Health

•  Our employer and employee paid benefit programs help employers attract and retain quality employees.

•  Through benefit communication and enrollment services, our team can provide a comprehensive and seamless employee benefits program to your employees.

•  These benefits can be offered on a tax advantaged basis to lower both employer and employee cost.

•  Facility

•  MSH Insurance has developed relationships with several carriers to provide the most complete coverage at the lowest possible premium for you Early Educator Facility.

•  Coverage includes, but is not limited to: Workers Compensation, General Liability, Property, Accident, and much more.

•  We will develop a program that is specific to the needs of your facility.

•  Programs •  Through these relationships we can also provide access to information pertaining to:

Risk Management, Loss Control, Back to Work Programs, Playground Safety, Workplace Safety, and more.

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Employer Options: Group Health Tips • You’re more likely to attract quality employees to your

small business if you provide the kind of benefits they can find at larger corporations. •  A group insurance plan is a big draw for employees. It is usually

much cheaper and easier for employees to get coverage under a group health insurance plan than to get individual coverage for all the members of their family.

•  If you’re held back by financial restraints, keep in mind that the money you pay toward employee health insurance premiums may be tax deductible. And remember that a happy and healthy employee is a more productive employee.

•  You can offer fully insured medical plans, mini medical plans, or even voluntary insurance.

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Sample Employer Group Health Plan 13

Quote Requests

Information Needed to Quote Individual Coverage Options Please send a MSH Insurance agent the following

information: name, mailing address, phone number, date of birth, gender, email address and preferred contact

method and time.

Information Needed to Quote Employer Coverage Options Please contact a MSH Insurance Agent

for an accurate quote.

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Contact Information Download the overview provided on the EEC Rewards & benefits page

and then contact MSH Insurance to learn more about specific options you may be interested in.

Contact Options •  Call: 1-800-849-2484

•  Email Agents: see below •  Email MSH Office: info@mshins.com

Takyla W. Smith, Health, Life and Accident Insurance twsmith@mshins.com Brett Skeels, Business Insurance bskeels@mshins.com

DJ Engrassia, Personal Home & Auto Insurance djengrassia@mshins.com

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