Coexisting with bicyclists

Posted on March 24, 2023March 21, 2023 by Shield Insurance Agency

Foremost Insurance Blog | by Jenean McLoskey | bicyclists | Start an Insurance quote now! | Shield

Cycling has grown significantly in popularity over the past decade. Towns across the country are adding bike lanes to their roads to become more bike-friendly, and more and more people are ditching their cars and using a bike as their primary form of transportation. According to USA Today, larger cities like Portland, Ore., and Minneapolis have more than doubled their rate of bike commuters since 2014 — and as a cyclist, I can’t help but get excited.

Now, with bike riding growing in popularity across the U.S. — it may be a good idea to brush up on some traffic guidelines to avoid any accidents.

When you purchase a bike, you’re likely not required to take a safety class before you ride it. And, for drivers, the instructors touched on bike safety as part of Drivers Ed, but who remembers details from a course they took in their teens?

My point is, adults aren’t given much guidance when it comes to cyclists and cars coexisting on the roads. And as a bicyclist and a driver, I did some research because honestly, I needed a refresher myself.

Safety tips for DRIVERS:

Try to be 3 feet or more away from a bike.
Try to pass on the left when possible.
Blind spots are always lurking, make sure to watch for bikes.
Only pass a bicyclist when your passing lane is free and clear.
Look in your mirror for cyclists when you’re parking.
Always think of cyclists as equals – remember, they have rights on the road too!

Safety tips for BICYCLISTS:

Make sure to ride with the flow of traffic.
Traffic signs and signals aren’t just for cars. Stop on red to be safe.
Use marked bike paths or lanes if they’re available.
Use your arm to make turn signals and take advantage of turn lanes so cars are aware of what you’re doing.
Consider using a mirror to monitor the cars behind you.
If you’re riding at night or in a storm, make sure to use some sort of flashers.
Watch for parked cars.
And most importantly — stay alert at all times.

If you’re unsure about your city’s or state’s traffic laws, it doesn’t hurt to look them up beforehand. No matter what you drive, be sure to enjoy the roads out there safely!

Emergency Water Storage

Posted on March 10, 2023March 8, 2023 by Shield Insurance Agency

Foremost Creative Team | Emergency Water | Flood Insurance | Comparison Quoting Portal

The loss of safe drinking water is deadly. Most individuals will begin to experience side effects from dehydration after 36 hours. Starvation can be delayed by several days or weeks provided there is an ample, safe emergency water supply.

At the bare minimum, you should store one gallon, per person, per day, for seven days. A three-week supply is ideal.

After an earthquake, city water is vulnerable to contaminants through ruptured pipes and adulterated filtering systems. Do not take adequate water supplies for granted. If you store an ample amount for your family beforehand, you’ve already greatly increased your family’s chance of survival after an earthquake.

Proper Water Storage

Most grocery stores sell water in one or two-gallon containers. These are not designed for long-term storage and will leak after six months. Your best option is to purchase one to five-gallon sealable containers of water from your local camping store. All stored water must be in a sanitized container and the water must be treated to avoid contamination by bacteria and algae. If you are storing your own water, treat the water as soon as you store it in the container with eight drops of pure, unscented liquid bleach per gallon of water. You must also rotate your water supply every six months, which includes store-bought treated water as well as the water you’ve treated yourself.

If your water supply is questionable, use these methods to treat it:

The best option: Add liquid chlorine bleach – eight drops per gallon of water. Double this amount if the water is cloudy.

A good option: Add 2% tincture of iodine to the water, or twelve drops per gallon of water. Double this amount if the water is cloudy.

An acceptable option: Boil the water vigorously for 10 minutes.

Dirty water should be strained through cheesecloth, a paper towel or a coffee filter before treating it to remove suspended matter. Wash and sanitize all food containers before use by washing them with warm, soapy water followed by a 10% bleach solution. Empty the bleach out after a five-minute soak, and let dry.

Emergency Water Sanitation

As part of your earthquake supply list, it’s also key to provide sanitation items. Having these materials staves off infection or illness that is caused by unsanitary conditions, and also makes a stay at a shelter or other unfamiliar or rustic territory more comfortable and worry-free. Store these items in your equipment kit as well:

Plastic bags – heavy-duty garbage can size and small, zip-lock types
Powdered chlorine lime – proper storage is required. This is an oxidizer and it’s corrosive.
Portable camp toilet with chemicals
Toilet paper
Handi-Wipes for water-free cleaning
Shampoo, toothpaste, deodorant, tampons, and sanitary napkins
Insect, fly, mosquito, and ant spray

For more information on Emergency Water Storage visit these sites:

Federal Emergency Management Agency (FEMA)

Tips for effectively filing claims

Posted on March 2, 2023March 2, 2023 by Shield Insurance Agency

Foremost Insurance | Ryker Huizinga | Filing Claims | Homeowners Insurance | Get A Quote

Experiencing a loss can be stressful, frustrating, and disheartening, but having insurance coverage will help alleviate the financial burden a loss can cause. The first step in restoring your property and moving forward is to determine if your policy provides coverage for the loss. To do this you need to file a claim with the insurer.

While the claims process isn’t something many eagerly look forward to, there are definitely ways you can make it a less stressful experience. To help you successfully navigate the process, here are several tips for effectively and efficiently filing claims.

Keep an inventory of all your insured possessions.

Be proactive! If you keep a written document of your possessions, it can help make the claims process much easier if you experience a loss. Go from room to room and record each item and its value to prepare an inventory. An easy way to do this is to take photos or videos of each room and all of the contents in the rooms. Consider keeping receipts with the purchase date and original cost for your records too, in case of total loss. Your inventory list should be consistently updated, which can be done easily if you record new items shortly after purchasing them. Pro Tip: Your inventory should be easily accessible. It is a good idea to keep a couple of copies of your inventory at different locations, with one location being off-premises in case of a total loss, like a fire.

Before filing claims reach out to your agent.

In the event of a potential claim, it’s best to contact your agent directly instead of the broader insurance provider. Your agent will be able to explain your options and advise on whether filing a claim is in your best interest. In some cases, your agent may even file the claim for you.

Report your loss promptly.

Always file your claim as soon as you possibly can. Of course, theft losses should be reported to the police first, and in other situations of danger and urgency, safety takes priority. But once it’s safe and reasonable to do so, you should contact your insurance agent. This is important because your policy might require you to make the notification within a certain amount of time. Not filing a claim within the time required in your policy may lead to a denial of the claim or may result in the claims process taking longer.

Be prepared for filing claims with the right information.

When you file your claim or make follow-up calls regarding the process, be sure to have the right information so your conversation is easier and more effective. Have your inventory list and the details of your loss, and keep the following information handy for your claims representative:

The customer’s name and address
The policy number
The date the loss happened
A description of what happened
A preferred telephone number for future contact

Provide complete, correct information.

Explain the situation accurately without downplaying or exaggerating your loss. Incorrect or incomplete information may cause complications and delays in processing the claim. Additionally, materially misrepresenting the facts of your loss may result in a loss of coverage.

Record important details from all correspondence.

While going through the claims process, be sure to write down important information from your phone conversations and in-person meetings with claims representatives and other contacts. This should include the time and date, as well as the name and title of the person you spoke with. This will help you stay organized and create records that may come in handy later.

Make appropriate emergency repairs.

If you’re dealing with property damage it may be necessary to make immediate emergency repairs to prevent additional damages, such as calling a plumber to repair a broken pipe. Your policy might cover the costs of these emergency repairs, so be sure to inquire about them when filing the claim. It is also important to take photos or even videos before making the repairs and save the receipts from all of the work that is done.

Ask questions about filing claims

Don’t be afraid to ask your claims representative for more information or clarification. The process will go much more smoothly if you are both on the same page and fully understand each other. For example, if there is a disagreement about the coverage of the claim, ask for the specific language in the policy that is in question to find out if it is a matter of differing interpretations.

Overall, it’s important to have patience because every insurance claim is different! Some may be completed quickly, while others may take a few weeks or even months to be resolved. You never know when problems will arise, but these tips can help you to effectively address the situations and smoothly navigate the claims process.

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Motorcycle routes: Must-ride hidden gems

Posted on February 17, 2023February 13, 2023 by Shield Insurance Agency

Foremost Insurance Blog | by Kaitlin Cassell | Motorcycle Routes | Shield Insurance

The best part about riding a motorcycle is being up close and personal with the scenery around you. It can be hard to find new places to take your bike and get the most out of every ride. If you are craving a new adventure, look no further! This list of routes highlights some lesser-known areas that are definitely worth a ride.

Cherohala Skyway

The Tail of the Dragon in North Carolina is a frequent #1 must-ride for bikers all across the U.S. With 318 curves in 11 miles, it is perfect for any thrill seeker. Bordered by the Great Smokey Mountains and Cherokee National Forest, it is breathtakingly beautiful and thrilling. The only downside is that its invigorating charm makes it one of the most crowded rides in the country.

Travel 25 minutes southeast and you will find Cherohala Skyway. This 43-mile-long ride is less busy and leads you through the mountains of North Carolina and the forests of Tennessee.

The lack of tourists and buildings makes Cherohala the perfect place to escape. There is no civilization for about 41 miles, except for a bathroom or two. If you are looking for a smooth ride with no distractions (other than nature’s overwhelming beauty), this is the ride for you.

Moonshiner 28 | Motorcycle Routes

Not too far from Cherohala, Moonshiner 28 offers an entirely different riding experience. The road features good food and plenty of places to stay during your trip. If you are looking for more action during your ride, Moonshiner 28 is for you.

This 103-mile ride extends from Deal’s Gap to Walhalla, South Carolina, cutting through Georgia along the way. You will encounter beautiful mountains, crashing waterfalls and several lakes on this spectacular route. You won’t want to miss it! Fun fact: Moonshiner 28 was once home to illegal moonshiners on the run from the law, hence the name. Stop at the (now legal) moonshine distilleries along the way to learn about the area’s rich history!

Beartooth Highway | Motorcycle Routes

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Easy Science Fair Projects

Posted on February 15, 2023February 10, 2023 by Shield Insurance Agency

LittleBinsForLittleHands.com | By Sarah McClellan | January 23, 2023 | Science Fair | Shield Insurance

ELEMENTARY SCIENCE FAIR PROJECT IDEAS

When it comes to science fair projects, it can be difficult to help your kids find balance. Too often, kids want to take on something that takes TOO much time and resources! While other kids may go for projects that have been done time and time again, and provide little to no challenge for them. Ta, da… Introducing our list of easy science fair projects with simple tips to help make your kid’s science fair project a big success this year!

HOW TO CHOOSE A SCIENCE FAIR PROJECT

We know that you are looking for a fast and easy science fair project that is also cool! Below you will find simple tips for how to choose the best science fair project, as well as some unique and super easy science fair project ideas.

These science fair projects really don’t require a ton of supplies. Most can be completed with items you can find around the house. Instead, you will find interesting and fun ideas that are suitable for kindergarten, to elementary, and older.

BONUS RESOURCES

Make sure to read up on the engineering design process, scientific method for kids and the best science and engineering practices explained. These processes of asking questions, collecting data, communicating results etc. will be invaluable as a framework for a science fair project.

START WITH A QUESTION

Science fair projects are at their core problem-based learning. You start with a great question that attempts to solve a problem. The best questions can’t be answered just by searching for answers online but rather with experiments and results.

Effective questions include questions asking about causes and effects. For example, “What effect does changing how often I water have on plant growth?”

Questions that focus on causes and effects make for realistic and achievable science fair projects and lead to tangible and easy-to-interpret results.

EXAMPLES OF QUESTION-BASED SCIENCE FAIR PROJECTS

WHY DOES A VOLCANO ERUPT?

The homemade volcano science fair project is a classic baking soda and vinegar chemistry demonstration that simulates an erupting volcano. While a real volcano doesn’t erupt in this manner, the chemical reaction makes an appealing demonstration that can further be explained in the results and conclusion phase. This is both a question and research-based project!

WHAT MILK IS BEST FOR THE MAGIC MILK EXPERIMENT?

Turn this magic milk activity into an easy science fair project by investigating what happens when you change the type of milk used. Explore other varieties of milk including reduced-fat milk, heavy cream, and even non-dairy milk!

HOW DOES WATER AFFECT SEED GERMINATION?

Turn this seed germination jar into an easy science fair project by exploring what happens to seed growth when you change the amount of water used. Set up several seed germination jars to observe and record growth, depending on how much water you add to each jar.

Read on for more great Science Fair ideas

5 Non-Water Beverages That Count Toward Your Daily Water Intake

Posted on February 8, 2023February 6, 2023 by Shield Insurance Agency

SheKnows.com | CAITLIN FLYNN | DECEMBER 30, 2022 | Water Intake | Health Insurance

As we head into the warmer months, it’s a good time to recommit yourself to stay hydrated and happy. As you probably know by now, your body needs to stay hydrated to keep all your organs functioning, your body temperature regulated and to keep your mind running at peak performance. Dehydration is no joke — and can be a surefire way to disrupt your day-to-day life and leave you feeling awful.

“Dehydration is very common, and [it leads] to many symptoms, including fatigue, constipation, and decreased concentration,” Dr. Nancy Rahnama, physician nutrition medical specialist and board-certified internist, tells SheKnows.

Rahnama explains that recommended daily water intake varies depending on many factors, such as a person’s weight, environment, gut function, level of physical activity, and medications they take. But as a general rule, she suggests starting off with 64 ounces (eight cups) of water per day.

We all know that we should diligently be drinking enough water each day, but there’s just one problem: Plain, flat water simply isn’t appealing to a lot of us. Luckily, there are plenty of healthy beverage options that count toward our daily water intake, and drinking them won’t feel like quite as much of a chore.

“Water is considered a liquid beverage without caffeine, alcohol or sugar content,” Rahnama explains.

If you don’t love flat water or you simply want some more variety when you hydrate, try drinking these five beverages. Eight ounces of each is equivalent to eight ounces of regular water and they each contain either zero or very few calories.

Flavored Sparkling Water

If you’d normally reach for a soda to quench your thirst, we have a better (but still fizzy) option for you.

Suzanne Dixon, a registered dietitian with The Mesothelioma Center, tells SheKnows that she recommends squeezing lemon or lime into sparkling water.

Not only will this give you the flavor-plus-fizz combo you crave from soda, but it’s not full of sugar and empty calories and has the added bonus of some vitamin C from the citrus fruit.

There are also plenty of no-added-sugar flavored seltzer waters to choose from — or for the less adventurous, there’s always plain.

5 ways to get the most out of your small business’s health insurance plan

Posted on January 23, 2023January 23, 2023 by Shield Insurance Agency

The Business Journals | By Cigna + Oscar | Oct 25, 2022 | Health Insurance

Whether you’ve just purchased small business health insurance or you’re shopping around, you’re probably aware that coverage can be costly, depending on the plan you purchase. According to a 2021 Kaiser Family Foundation report, the average annual premium was $7,739 for an individual and $22,221 for a family plan. Employers helped cover 83% of the costs for a single person and 63% of a family plan.

That’s why it’s critical to make the most of the plan you have — and help your employees stay engaged. Here are five key ways you can maximize your health insurance coverage, so your employees use the plan often, become healthier and help lower your business’s costs.

1. Emphasize the health insurance plan’s customer support programs and tools.

Some health plans offer dedicated customer support, online tools, and even concierge-like services that can help employees understand and use their plan. For example, Cigna + Oscar is unique in that it offers Care Guides, a team of professionals who help members find doctors and answer their questions about specific benefits and claims. Care Guides can also help coordinate care and prepare members for their upcoming procedures.

The more employees understand how their plan works, the more likely they are to use in-network providers, purchase generic medications, and rely on other cost-saving methods. In turn, this can help you, as an employer, lower your overall costs too.

2. Encourage your employees to manage their health insurance plan digitally.

If your health plan offers a mobile app, it may be where employees can access telemedicine services and prescription refill requests and even pay their premiums online. Encourage them to make the most of these convenient, digital services. After all, they help make your business’s health plan easy to use and can increase employee satisfaction.

If you’re shopping for a health plan now, look for one that offers digital services. You may want to ask your broker:

What telemedicine services are available to my employees, if any?
Is virtual urgent care available?
Can employees request prescription refills online?
Is there an easy way for employees to search if a doctor is in-network?
What other digital services are available with this health plan?

The bottom line: Today’s employees want to manage their healthcare at the click of a button. A convenient and easy-to-use mobile app and website can help them do that.

3. Communicate to employees about mental health care offerings.

Click here for the full story…

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Illinois man inhales drill bit into the lung during a dentist visit

Posted on January 19, 2023January 13, 2023 by Shield Insurance Agency

ABC30.com | Tuesday, November 15, 2022 | Drill Bit | Dental Insurance

Doctors believe that inhaling just before he coughed sent the drill bit deep into the 60-year-old’s airways.

KENOSHA, Wisconsin — This could be a dental patient’s worst nightmare.

What began as a routine visit landed an Illinois man in the hospital after he inhaled the dentist’s drill bit, WISN reported.

The CT scan tells the shocking story: An inch-long dental drill bit had lodged deep in Tom Jozsi’s lung.

“I was at the dentist getting a tooth filled, and then next thing I know I was told I swallowed this tool, so I didn’t really even feel it going down. All I felt was a cough,” Jozsi said.

Doctors believe that inhaling just before he coughed sent the metal object deep into the 60-year-old maintenance worker’s airways.

It was so deep, pulmonary expert Dr. Abdul Alraiyes said, that normal scopes couldn’t reach it.

“When I saw the CAT scan, and where that object is sitting, it was really far down on the right lower lobe of the lung,” said Alraiyes, intervention pulmonary director at Aurora Medical Center in Kenosha.

“What happens if he can’t get it out? And really the answer really was, part of my lung was going to have to get removed,” Jozsi said.

That’s when Alraiyes and the Aurora Kenosha team decided to try a newer device, one not designed for removing foreign objects.

“It’s more for early detection of cancer, especially lung cancer,” Alraiyes said.

He said it’s the size of a catheter.

Video of the scan showed the medical team was able to navigate the narrow airways, reach the drill piece and pull it out, without any harm to the patient.

“I was never so happy in my life when I opened my eyes and I saw him with a smile under that mask, shaking a little plastic container that had the tool in it,” Jozsi said.

It’s a souvenir Jozsi said he now keeps on a shelf at home.

The drill bit was in the man’s lung for four days.

The doctor who removed it said he has heard from colleagues in Michigan and Ohio who reported seeing cases nearly identical to this one.

See the video of the Drill Bit!

Jet setting over Pet sitting

Posted on January 6, 2023January 5, 2023 by Shield Insurance Agency

AmericanSeniors.org | Pet sitting | Special Event Insurance | Pet Insurance

Say goodbye to pet sitting and hello to jet-setting with your furry bestie! Options abound for your pet to join your vacation, whether you are flying, cruising, or driving to your destination. Here’s what to keep in mind for traveling safely with your best friend – and how to find the best pet-friendly destinations.

Flying with Fido and Fluffy

Some airlines still have restrictions on pets traveling in their cabin, while others have returned to pre-COVID allowances. Currently, Alaska Air, American Airlines, Delta, JetBlue, Southwest, and United Airlines allow pets in-cabin, as well as some overseas airlines like Air France. For all airlines, pets need to fit comfortably inside a carrier that can tuck completely under the seat in front of you. Your pet needs to be able to stand up and turn around in the carrier. Make sure you double-check with your airline what their specific requirements are since they all vary.

Allow your pet plenty of time to acclimate to the carrier long before your flight. Set the carrier out in the house, with treats placed inside. This positive association will encourage your pet to spend a longer time inside the carrier. You can also take your pet for a drive inside the carrier to help acclimate to movement as well.

Label the carrier with your name and phone number, and inside, you can place a potty pad to soak up any accidents. Your pet’s favorite toy would be a comforting addition too.

Five hours before the flight, stop feeding your pet, though water should still be made available. Allow your furry best friend as much exercise as possible until boarding. It is generally not advised to give your pet a sedative unless it’s specifically recommended by your vet.

Cruising: Only with Cunard

If you dream of sailing the seas with your furry best friend, there is one cruiser that will welcome humans and pets alike. Cunard’s Queen Mary 2 is actually the only cruiser that allows a limited number of dogs and cats to set sail. However, they aren’t allowed to stay with you in your cabin. Cats and dogs must stay in The Kennels for the entire duration of the cruise. You are allowed to visit during specific hours, but they won’t be able to join you for walks around the deck. There is a very long waiting list, as there are only 24 kennels aboard the ship. Costs range from $800-$2000, depending on the size of your pet.

It is a beautiful trip, which perhaps is another reason why the waiting list for The Kennels is quite long. Queen Mary 2 sails transatlantically from NY to Hamburg, Germany. En route, it comes into port in charming Southampton, the British waterfront city that’s home to history abounding, including the Titanic Trail and 950-year-old St Michael the Archangel Church. Stonehenge is just a stone’s throw away.

Road Tripping Together

Of course, the most flexible way to travel with your pet is to enjoy a road trip together. The most important consideration here is keeping Fido or Fluffy safe. A strappable crate or appropriately fitted seat belt attachment will make sure your beloved pet stays safe in an accident (and prevents them from distracting you while driving). The safest place is the back seat for pets, far away from the front airbags that can be fatal for their small stature. Practice driving shorter distances to help your pets acclimate to the restraint. Remember the treats!

Currently, in beta, Go Pet Friendly has a road trip planner that is helpful for planning the best drive for both species. You can ask for recommendations for pit stops for all of your legs to stretch and play.

Friendly Tails Pet Sitting

Bring Fido is an excellent resource for trip planning with your furry best friend. Browse pet-friendly hotels, restaurants, activities, and even events.

Pet-friendly accommodations are on the rise, with many chains welcoming your pet to stay for free. Red Roof Inn allows for one free pet per room, as do many Four Seasons properties. Other chains like the Ritz Carlton and Westin welcome dogs, but have varying fees and restrictions. The AKC has a full listing of dog-friendly hotel chains and specifics.

The Pet Sitting Checklist

Click here for the full checklist…

January is Blood Donation Month

Posted on January 4, 2023January 4, 2023 by Shield Insurance Agency

AmericasBlood.org | May 2022 | Blood Donation | Medical Insurance

U.S. Blood Donation Statistics and Public Messaging Guide

Over 40 verified statistics from published research.

Designed for blood centers, media, and anyone who is generally interested in the current state of blood donations and utilization, this guide is the first of its kind designed to provide the latest look at America’s blood supply and its donors. It uses data curated from published research, credible public sources, and input from industry experts. We encourage readers to use the editable social media graphics contained in this guide that highlight the 13 of the most widely used statistics.

This Guide will be updated annually to reflect the latest statistics.

General Information about Blood and Blood Donation

Q1.1: do blood donations help patients in need?

■ Every donation can help save a life.

■ Each donation can help save or deeply impact more than one life.

Q1.2: How many patients can each blood donation help?

■ One donation can help two or more patients in need. Each donation can be separated into more than one blood product including but not limited to red blood cells, plasma, and platelets.

■ Some donations result in two or three of the same type of product, just more doses for patients (e.g., double red blood cells, plasma from automation, or platelets from automation).

■ Each traditional whole blood donation can be separated into different blood product components in the lab (red blood cells and plasma) and depending on the amount of time from donation to the lab, additional products can be made such as platelets and cryoprecipitate which are used in cancer treatment and heart surgeries.

Q1.3: How many blood centers are there in the U.S.? How much do they collect?

According to the United States (U.S.) Food and Drug Administration’s (FDA’s) Blood Establishment Registration database1, there are 53 community blood centers and 90 hospitalbased blood centers in the U.S. Independent, community blood centers collect approximately 60

percent of the nation’s blood supply and the American Red Cross collects approximately 40 percent.

Q1.4: How often can individuals donate blood in the U.S.?

Individuals can donate whole blood no more than once in eight weeks.

Individuals can donate platelets (apheresis donation) as much as twice in a seven-day period — or up to 24 times in a rolling 12 months.

Individual blood centers may apply additional policies.

Q1.5: How many pints of blood do people have in their body?

An average adult has about 10.5 pints of blood in their body.

Q1.6: What is the prevalence of each blood type among the U.S. population?

The approximate distribution of blood types in the blood donor population is as follows.

Distribution may be different for specific racial and ethnic groups and in different parts of the country.

TABLE: PREVALENCE OF BLOOD TYPE 7 BLOOD TYPE PREVALENCE HOW COMMON IS YOUR BLOOD?

O Rh-positive 39% 1 in 2.5
O Rh-negative 7% 1 in 11
A Rh-positive 32% 1 in 3
A Rh-negative 6% 1 in 17
B Rh-positive 11% 1 in 11
B Rh-negative 2% 1 person in 50
AB Rh-positive 4% 1 person in 25
AB Rh-negative 1% 1 person in 100

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