Bernardini & Donovan Insurance Services

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Covered California SHOP Exchange

The Covered California SHOP Exchange provides two major benefits to small employers – access and administrative relief. SHOP provides access to a large selection of health plans that have previously been available only to larger companies. SHOP also takes over plan administration, relieving businesses with fewer than 50 employees of the burden of dealing with employee health insurance. California’s approximately 375,000 small companies with 25 or fewer employees earning an average annual wage of less than $50,000 qualify for an additional benefit. These smaller businesses will be eligible for a 50% federal small-business tax credit when they purchase coverage through SHOP. SHOP relieves small businesses of the burden of finding and administering health plans for their employees. The business sets up a customized SHOP profile and receives a unique group ID. Employees login to the SHOP exchange and select a plan from the available qualified health plans. SHOP handles enrollment,

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Gresham | Savage: Winning Strategies and Winning Cases

Are you in need of an attorney to assist with employee issues?  Maybe update your employee handbook?  Bradley Neufeld and his associates at Gresham/Savage have given our clients the red carpet service.  We highly recommend Gresham/Savage. Gresham | Savage:  Winning Strategies and Winning Cases With an enviable 103-year track record of winning strategies and winning cases, Gresham | Savage is the widely recognized leader for business, litigation, employment, real estate, environmental and land use law in Inland Southern California, San Diego and Los Angeles.  The firm’s many attorneys, practicing in offices in San Bernardino, Riverside, San Diego and Los Angeles counties, provide wise counsel to local, regional and Fortune 500 companies. Bradley Neufeld is a shareholder and co-chair of the Labor and Employment Law Practice Group at Gresham | Savage.  His practice focuses on the representation of management in all aspects of employment law.  Mr. Neufeld provides timely advice to clients on all

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Get Great Professional Pictures from Michelle Smith Photography!

Are you in need of a great professional picture for your website, business card, or other promotional items for your business?  Please contact our friend at Michelle Smith Photography if you are.  She is incredibly talented and professional.  To see more of her work, visit our website and go to the “about” tab, and on the drop down menu, click on “our team”.  Michelle Smith Photography    909-649-1635    michellesmithphotography.com “Are you Looking for Something Different?†What kind of Executive Portrait do you want?  At Michelle Smith Photography we specialize in making individuals feel comfortable while being photographed for their professional Executive Portrait.  This will reflect who you really are in your expression and will be enhanced for that wow factor. Please contact us if you are ready for an update or just want to have a good time taking your new Executive Portrait.  

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Sheila’s Travel: Making World Travel Simple

As a local business, we partner with other business professionals to offer top notch services to our clients and the community.  In need of a vacation?  A special trip with your spouse?  For any travel arrangements, contact our friend, Sheila Cannon, at Sheila’s Travel. Sheila’s Travel designs romantic vacations for couples, while blending their unique interests and helping them grow closer together through travel.  Sheila does this by creating tailored getaways with fun activities that help them relax and enjoy being in love with one another. A personal note to you, the client:  What sets Sheila apart from other travel consultants is that the vacations she designs help you feel the butterflies again, like you did when you were dating. She guarantees that she can exceed your expectations and ensure that your precious travel dollars and hours are spent as wisely as possible!   Would you like to learn more?

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How to Find the Right Health Insurance for You

Trying to determine how to find the right health insurance for your needs can seem challenging. With so many health insurance options, it is not surprising that it can seem complicated. Fortunately, you can find the right policy with the appropriate tools. List Personal Needs Health insurance is not a policy that fits only one individual. Taking time to list all of the personal or family needs will help narrow down the choices. A family of four will have different needs than an individual or a married couple without children. Take time to write down all of the requirements for coverage. Look at Several Options After determining exactly what you need, it is time to look at the options that meet your needs. Ask your agent to find the best deals and solutions for the whole family. Read carefully through coverage options and look at the quotes to determine if

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What Every Small Business Owner Needs to Know about the Affordable Care Act in 2014

New policies related to healthcare have many small business owners concerned of what is to come in 2014. News reports are tossing around penalty figures of $2000 per person per year. And that is just the start of the penalty scale. Bernardini & Donovan Insurance Services explains what a small business owner needs to know about his or her responsibilities under the Affordable Care Act: Small businesses won’t be penalized. Businesses that employ less than 50 full-time employees will not be held to the employer responsibilities outlined in the Affordable Care Act. However, you can qualify for a tax credit. A small business that pays average yearly wages of less than $50K, has less than 25 full-time employees and offers affordable health insurance could receive incentives in the form of a small business tax credit. Beginning in 2014, this credit could be up to 50 percent and will help offset

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