It’s that time of year again! The 2019 Health Insurance Open Enrollment period for the ACA Individual market starts November 1st and closes December 15th. Once the enrollment period passes, individuals will not be able to enroll in a health plan again until the next open enrollment or a qualifying event occurs during the plan year. Qualifying events typically include Marriage, Divorce, Employment Status Change, a Birth, or a Death in the immediate family. Employer Group Health Insurance is a little different, as open enrollment is based on the plan anniversary date, but typically follows the same rules.

A common topic of discussion during this time of year relates to Health Spending Account (HSA) and Flexible Spending Account (FSA) benefits. We created this handy chart to break down the biggest differences, so you can better decide which option works best for you!

fsa hsa

It’s important to note that contributions to both accounts are pre-tax and have differing contribution limitations. You may not know this, but the IRS is actually the organization that decides which expenses are eligible for each type of account. More information can be found on If you have other questions about your health insurance policy, be sure to reach out to our Health Insurance Specialist via our department email - This email address is being protected from spambots. You need JavaScript enabled to view it.!

This Saturday, November 10th, Jallad Insurance’s team members will be participating in the Autism Speaks Walk at Cranes Roost Park in Altamonte Springs, FL. The event will begin at 10am (check-in starts at 9am) and will include opening ceremonies, a 3-mile walk, and after-party festivities for the whole family to enjoy!

The Autism Speaks Walk is the world’s largest fundraising event to enhance the lives of people with autism today and accelerate a spectrum of solutions for tomorrow. According to the CDC, 1 in 68 children in the US is diagnosed with autism. In fact, one of our team members, Lory Gonzalez, has an 8 year old son with Autism. Izaak was diagnosed at age 2 and although he is nonverbal, he is able to communicate with the family by utilizing their tablet. With the support of his therapist, Izaak’s speech has been progressing and they have faith that he will be able to communicate verbally with them one day. Izaak is a very bright and loving boy with a big heart. He loves electronics, rockets, trains and music and is a joy to his family.

Your policy expiration date is fast approaching, and it is time to start thinking about your renewal.  It is important to evaluate changes that may have occurred in the past year that might affect your insurance needs.  To get your wheels turning, we've prepared a list for you - just one more way that we’ve got you covered!

  • Marital status
  • Baby
  • Pet
  • Teen driver
  • College student
Assets - bought/sold
  • Vehicle - car, motorcycle, boat, RV, ATV, golf cart, etc
  • Primary or investment property
  • Home improvements or additions – roof, windows, plumbing, AC, water heater, electric, hurricane protection
  • Change in mortgage lenders/lien holders
  • Personal items - jewelry, collectibles, electronics
  • Business
  • Extended international travel
  • Quit smoking
We know this isn't a comprehensive list, so please let us know anything else that may have happened over the past year.  We are looking forward to hearing more about your year and making sure we help set you up for success this coming year!

It is fitting that October, the spookiest month of the year, is also Cyber Liability Awareness Month. Cyber scams and attacks are definitely a creepy part of commerce nowadays. Thankfully, there are insurance products to help protect and prevent those tricksters from harming your business. You might not be aware of just how much power a cyber attack wields, so to give you a better understanding I’ll share a truly frightening statistic – just about 60% of hacked small and medium sized businesses close within 6 months.

Many of us have received an email from a Nigerian Prince, or maybe a call from someone saying a family member has been arrested and they urgently need you to wire them money - or better yet, an IRS impersonator threatening you regarding an outstanding tax balance. The point is, the scammers have gotten smarter, but so have we. There is an insurance product now that will protect you from hackers and wire fraud, so you won’t have to pay the penalty for malicious actions taken against you or your business. Now, that doesn’t mean everything is covered, so be sure to review the limits with your agent to better understand what is included and excluded in your Cyber Liability policy. As most businesses have unique risks, there are additional ancillary coverages to make sure you have the best possible coverages for your needs.

It is a blessing we typically have plenty of time to prepare for a hurricane, but it can also lead us to procrastinate or possibly underestimate the amount of damage a storm can generate.  Of course, it is better to overprepare than to be scrambling last minute, but sometimes natural disasters - like flash floods or tornadoes - don’t give us any warning.  Knowing how to prepare yourself and your property is important, but we have noticed knowing how to handle a claim once it happens is sometimes overlooked as part of the preparation process.  It is important to understand the steps ahead of time so you can protect yourself from fraud or damaging delays.

If you experience an incident that results in a claim, the first thing you need to do is make sure everyone is safe.  Call emergency services if you are in need of their assistance.  Once it is safe, you can assess the damage and start the process.  

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