​You tested positive for COVID-19; what will happen now? Will your disability insurance cover you? The good news is: YES. Disability coverage will cover medical expenses due to COVID-19, but there are some essential things you need to know.

Short-Term Disability Coverage
Short-term disability insurance covers COVID-19 if your condition needs quarantine. You won’t be able to continue working because of your situation. But to apply for this coverage, there must be a valid reason that you’re unable to continue working. If you’re working from home, you may not be able to qualify for disability coverage. 

Long-Term Disability Coverage
The most common symptoms of COVID -19 last only for a few days, like fever, fatigue, shortness of breath, and joint pains. But if you experience these symptoms for a more extended period, you might qualify for long-term disability coverage. 

Take note that there is an elimination period in disability insurance that describes how long you should be unable to go back to work because of medical reasons. Usually, long-term disability coverage has elimination periods of around 90 days. 

Employer-Paid Disability 
Some employers provide short-term disability or sick leaves to their employees. Larger companies offer long-term disability benefits with up to 60% of the employee’s salary from a certain period to the present. However, disability benefits are subjected to income tax payments. 

Individual Disability Income Insurance
Individual disability insurance will make sure that there is enough income in case of a disability. This is despite employer disability coverage. With a private policy, you can get from 50% to 70% of your income but not 100% as insurers want their clients to go back to work. When you pay disability insurance out of your pocket, these won’t be taxed. 

Conclusion
Not everyone has disability insurance. According to a study, more than 50% of workers in the U.S. do not have disability coverage. If you're part of this group with no disability coverage, rethink your options. Talk to a disability insurance agent to find out more about the right coverage for your needs.

If you have existing disability coverage, review it and see if this is still working for you. Your insurance agent can help you get the most out of your existing or new disability coverage. 

At Meyerson-Roth Co Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (516) 432-5800. Get your free quote today by CLICKING HERE.

​You often hear these in the news: protests break out in key cities in the U.S. From marking protesters, looting, and vandalism, how do you protect your business when these happen? Is your business insurance enough to cover these? If not, who will pay for the damages?

What Standard Business Insurance Can Cover
Riots are dangerous and unpredictable. When these happen, business owners are anxious about what will happen to their business, shops, or offices. When riots go out of hand, violence, vandalism, and looting may happen. 

Any damage on the outer part of your business and your shop's contents due to civil commotion, fire, riots, and vandals are covered by standard Business Owners insurance or Business Owners Policy. But not all may be covered by this policy. Some plans may not include damage to glass windows; therefore, this should be purchased separately.  

Loss of Income Coverage
If you cannot open for business because of damage to your shop or you're still afraid of any dangers, you can file for loss of income covered by your business income insurance policy. Another term for this is business interruption insurance. You can file a claim if your business has been directly damaged because of these problematic events. 

About Civil Authority Provisions
The civil authority provision in your business policy is coverage for your loss of income and other expenses if the police or fire department prevents access to your shop or an area in your shop because of physical damage. This is when there's a riot or a civil commotion to a nearby shop or business. 

Might Be a Good Time to Update Your Policy
If you have existing business owners' insurance, this may be an excellent time to review your coverage. Times are tough, and being prepared for riots, vandalism, and theft will protect your business in the long run. Review your policy and make changes as soon as you can. Contact your agent to help get a professional opinion. 

Conclusion
Your business should be prepared for anything, including loss of income and business interruption due to unforeseen circumstances. Talk to your business insurance agent to get the best coverage for your needs. 

At Meyerson-Roth Co Inc., we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (516) 432-5800 or Click Here to request a free quote.

​Are you still confused about whether you need life insurance or not? Even experts agree that life insurance is very complex, but knowing what this type of insurance can do can help make things simpler to arrive at the best decision for you and your dependents. Here are some things that you may not know about life insurance. 

If You Have a Family, You Need Life Insurance 
If you have a spouse, old parents, children, or any dependent, then you need life insurance to help them in case you pass away. But if you're retired, all your children are employed and self-sufficient, then you may not need life insurance. Instead, you can use life insurance as a financial investment. 

It Is Not an Investment 
As we mentioned earlier, you can only call life insurance an investment if you don't have any family member or spouse relying on you. Some life insurance coverage comes with an investment feature that offers some tax privileges. However, there is still a better tool that you can use. 

You don’t need an insurance product with an investment feature if you don’t have financial liabilities like non-mortgage debts, education plans, or large credit purchases. Talk to your life insurance agent to find out more about using your policy as an investment.

Expensive Life Insurance vs. Inexpensive Life Insurance 
If you want a policy that comes with total coverage, you need to pay expensive monthly premiums. However, there are affordable policies that carry good coverage. If you're a healthy, never-smoked, mid-aged man, then you may be asked to pay $500 less a year for life insurance with a 20-year term and a million-dollar benefit. 

Meanwhile, some people who are not as lucky with health conditions, smoking history but are at the same age may be expected to pay ten to twenty times more. Some people with health problems may even be declined for coverage. 

Know When to Cancel
If you already have life insurance and you think that it's not working for you or you don't need it anymore, talk to your agent to see if you can upgrade or cancel your policy. And if you think you have overpaid but still require life insurance, don't cancel until you have better coverage.

Conclusion
Life insurance keeps your family; your dependents are protected no matter what. Contact your agent to find out more about your coverage if you need an upgrade or a new policy in case the current one is not working for you.

At Meyerson-Roth Co. Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (516) 432-5800. Get your free quote today by CLICKING HERE.

​Your new luxury performance car tires are newly installed and ready to roam! Does your auto insurance cover your tires in case of damage? Can your auto insurance coverage pay for dented rims and wheel misalignment due to damaged tires? It pays to get to know your coverage better in case you encounter these problems on the road.

Auto Insurance Collision Coverage 
Running over potholes and rough roads will damage your tires. You can also suffer from misalignment, dented rims, and other worse conditions. You may get coverage; your insurance company may pay for the replacement or repair of your tires after damage. 

But, you must have collision coverage as a part of your auto insurance policy. If you have an existing auto insurance policy, talk to your agent if this is part of your coverage. 

Coverage for Slashed Tires or Stolen Tires
Auto insurance with comprehensive coverage will pay for non-crash conditions like theft and vandalism. If this is not part of your auto insurance policy, you will be forced to pay for your new tires. 

Drivers and car owners who use luxury, high-performance tires should get comprehensive coverage in case of theft. Consult your auto insurance agent to determine if you have comprehensive auto insurance coverage or just standard insurance.  

Wear and Tear Coverage?
Tire wear and tear is not covered by auto insurance, and thus, you can't expect your insurance company to replace your old, worn tires or pay for repairs. You may only be able to file a claim if your tire had premature damage due to poor road conditions on state-maintained highways, streets, and avenues. Take note that claims vary from state to state, so check your local insurance office to find out more. 

Coverage for Flat Tires?
An auto insurance company won't pay for any expenses due to a flat tire. However, you may add roadside assistance coverage to your policy so you can get help in case of any tire-related problems while driving. 

Conclusion
If you already have auto insurance, review your coverage and find out if you need an upgrade. Consider making regular coverage checks with your auto insurance agent to get the best policy that will take care of all your driving needs.  

At Meyerson-Roth Co. Inc., we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (516) 432-5800. You can also request a free quote by CLICKING HERE.

​If you want to succeed as a business owner, you must find something that will fuel your passion for the work you do. That being said, there are certain criteria that you need to look for if you want to find the best company to work with as a potential business owner. Here they are as follows:

The Platform Reputation
First, you have to be aware of the reputation of the establishment you will take over. Try to find out everything you can about the company history. If you discover something slightly off about this particular individual or corporation, you can ask the employers directly.

Security and Business Viability
Secondly, any kind of online business should be substantial and secure when it comes to audience traffic and participation. They should be able to deliver on what they can offer the client. Otherwise, the client will not be satisfied. Marketability is important when it comes to online businesses. 

Ease of Filing Business Owner’s Insurance Claims
Another thing you should look for in an online business is its viability in filing an insurance claim. Getting a business owner’s insurance policy, for example, can be quite difficult, especially if you have yet to establish your business. However, once you establish your foothold into the business community, filing claims would be easier for you to deal with down the line.

Room for Creativity
It would help if you looked into businesses that will allow you to gain as much alone time as possible. For online content creators, this is important because it boosts creativity tenfold. This way, you will not have a hard time becoming productive, even if it's just web-based for now. 

Access
Lastly, it would help if you got into an online business platform that will provide you with everything you need. Choose an online business that will give you fulfillment every single day. The key here is to know what you want and know how to get it.

Conclusion
With these pointers, you will easily find an online business that will suit you as a person and your company as a whole. Don’t forget to consider your needs and comfort level when it comes to business. This way, you will find it easier to manage your online platform in the future.

At Meyerson-Roth Co. Inc., we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (516) 432-5800. You can also request a free quote by CLICKING HERE.

​Are you planning to retire anytime soon? If the answer is yes, then you should try investing in a life insurance policy. This will allow you to protect your loved ones from financial ruin in case you pass away suddenly. You can always apply for life insurance online. Here are some important points that you need to know about, unlike life insurance policies.

It Provides Easy Access
First, you have to know that online life insurance is more accessible to the masses but tends to be the same price as those you don't apply for online. This means that if you apply for life insurance online, expect to pay the same amount. If you're looking for discounts, contact the insurance agent directly. They will surely be able to help you find ways to lower your premium.

A Rich Source of Information 
Secondly, online life insurance policies will provide you with more detailed information regarding the policy itself and what it can offer you. Convenience is the name of the game here, and online life insurance will be able to give it to you without delay. Just make sure to log on to your insurance company's website, and they will provide you with all the information you need to know.

Easy and Substantial Protection
The third point that you need to remember about online life insurance is that it provides a much more convenient way to protect your family. With the help of an online platform, the insurance company will be able to dispense information easily without printing it out. Doing it online will be a safer way to transact because it will allow you to attend to everything you need in the comfort of your own home.

More Options
Another point that can help you understand online life insurance is that you will have easy access to potential insurance companies. You will have the opera to communicate with other insurance agents to find the best option. You will not get stuck with the one option alone. This will be a good way for you to make the right choice.

Conclusion
With these pointers, you will be able to understand why you should get life insurance right away. It will help prepare you for the future and secure your family without too much difficulty down the road.
​
At Meyerson-Roth Co. Inc., we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays and we're here to help you out. Learn more about our products and services by calling our agency at (516) 432-5800. You can also request a free quote by CLICKING HERE.

​There are plenty of drivers that still choose what fuel the car runs on. Your decisions are solely based on your preferences. Still, if you're interested in buying a new car, then you might wonder what makes them different from each other.

Unleaded Gasoline
Unleaded gasoline, otherwise known as petrol or gas, is generally cheaper than the other two fuels despite it fluctuating widely. Most of the time, drivers prefer this as a more cost-effective option. 

However, you won't save as much if you keep on purchasing premium gasoline. Although it's efficient with regards to prolonging engine life, the higher octane grade isn't that necessary for most vehicles. 

Diesel
One similarity between diesel and regular gasoline is that both are made from crude oil distillation. For you to purchase the fuel, your vehicle needs to be designed for diesel consumption. Cars and trucks powered by diesel have 30% better mileage than those that run on unleaded gasoline. Unfortunately, it's not an environmental advantage since there are still things to consider.

Diesel-powered vehicles produce the most emissions on the road. However, they have a higher greenhouse gas production than regular gas, which makes them more efficient. It also produces lesser pollutants for up to 20% making it a decent tradeoff.

Ethanol
Compared to diesel and unleaded fuel, ethanol is the most environmentally friendly. Vehicles emit fewer harmful emissions when running on ethanol than those that use regular gasoline or diesel. Also, ethanol is produced from corn, making it a useful renewable source of energy. Because there is a resupply of corn crops every year, ethanol production is limitless.

The fuel industry finds ethanol conventional, and that there are plenty of gas companies that combine it with regular gasoline. However, your car will need to have the proper engine for flexible-fuel to utilize gasoline and ethanol completely.

Conclusion
When choosing which car to purchase, knowing what type of fuel it needs is essential. Because vehicles are an excellent investment, having the right auto insurance plan will save you from extra car damage expenses.

At Meyerson-Roth Co Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (516) 432-5800. Get your free quote today by CLICKING HERE.

​Picking between blinds or draperies can turn out to be befuddling, particularly when you're uninformed of their various functionalities. You can choose which is best for your home by weighing out their upsides and downsides. Read on to know more about their differences to help choose the best one for your home.

Design
Since curtains come in various colors and designs, they add different styles and textures to a room. You can utilize them to coordinate with the remainder of the room's furniture or use it as a differentiating element to stick out. Blinds additionally have a few styles, surfaces, and tones. However, they're not as versatile as curtains.

Curtains provide comfort and warmth to a room. Its fabric also assimilates sounds, acting as a cushion to keep the room calm. Blinds, be that as it may, are less meddlesome. In this manner, they give the sensation of extending the room as they fold.

Energy Efficiency
Homeowners that favor curtains more than blinds will, in all likelihood, pick costly shades with thermal backing. They are powerful during severe climates and for maximum energy efficiency. They have a few layers – some are for room design, while others face the window to shut out the cold or warmth. Tragically, normal light won't be a choice after installation.

Blinds are often an obstruction to both low and high temperatures once shut. However, they permit sufficient light to pass if they don't have a hundred percent opacity. As indicated by research, blinds are more powerful in hindering the mid-year heat contrasted to winter cold. They shut out the direct sun while permitting indirect light inside by having them opened slightly.

Light and Privacy
It's mostly about preference when it comes to curtains. The material and transparency utilized are likewise factors in obstructing the measure of light passing in rooms. Regardless of whether horizontal or vertical slats, blinds are the more all-around choice because they are effectively flexible in letting light inside while also keeping privacy.

Conclusion
Your house isn't just a shelter for you and your family. It represents every one of your accomplishments and hard work throughout the years. Put resources into the right insurance agency and insure your home through a homeowner's insurance policy.

At Meyerson-Roth Co Inc., we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (516) 432-5800 or Click Here to request a free quote.

​Potential clients and customers would be more comfortable doing business with an insured establishment. It provides a way to compensate if ever the work the company does for the customer goes wrong. Here are the tell-tale signs your business needs insurance in 2021.

It is Mandated
Some laws require businesses to arrange specific insurance policies for their workers depending on which state the company is located in.  Failure to meet this requirement may cost you more than the cost of an insurance policy. 

You May Get Prosecuted
An accident, a displeased worker, or a faulty contract could cause the business to collapse if not insured. Even if you manage to win the case, it may take a huge hit on your expenses with legal defense costs. 

“Acts of God”
Typhoons, Tornadoes, Wildfires, Floods, and others like this are considered “Acts of God” in the insurance language. These events cannot be predicted accurately and consistently by anyone. This is why it is best to be insured.

Employee Retention and Attraction
Insurance has the added asset of attracting and retaining experienced workers. It isn’t just protection from calamities and catastrophes. Job hunters often consider the benefits involved before they decide to apply for a job in your business. 

The Unpredictability of the Future
Mental health is vital to any business owner. Having insurance eliminates the fear of what you would do if such calamities or problems would affect your business. This would help you focus on the essential things - running a profitable and rewarding business long-term. 

Owner and Worker Protection
In the event of the death or extended recovery of the owner of a business, life and disability insurance would arrange monetary compensation to cover the loss of income that was generated. “Key Man” or “Key Person” insurance would cover the death or extended recovery from injury of a valued worker. 

It May Be Stated in Contracts
Numerous elements may come into consideration when it comes to contracts and insurance:

• The loan agreement will most likely contain an insurance requirement if money is borrowed to finance buildings, equipment, or operations. 
• Renting or leasing a business facility may mean that you need to carry insurance, as the landlord’s policy may not cover it. 
• Contracts with customers or clients may require having insurance in case transactions do not go as planned. 

Conclusion
With the right business insurance, business owners can have a clearer headspace without worrying about many other things and precautions. They can focus on overseeing and growing their business. 

At Meyerson-Roth Co Inc., we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (516) 432-5800. You can also request a free quote by CLICKING HERE.

​Life Insurance would be an essential thing you acquire this year. The future holds a lot of uncertainty, and we must prepare for any possibility with the things that we can control. Continue reading to see if you have come across these seven signs that you need life insurance. 

High-Risk Job
Suppose a job involves high-risk environments such as jobs in aviation, construction, emergency services, etc. There is a greater chance of premature death. These individuals would have to pay a higher price to become insured, but the high-risk alone makes life insurance worth it.

Planning to Get Married
If your significant other trusts that you have enough pay to continue the quality of life you both share, then life insurance would be an excellent investment. This assures the maintenance of the same quality of lifestyle may one of you pass away prematurely. 

Supporting Aging Parents
Around 6 million millennials carry the responsibility of looking out for a parent, in-law, or grandparent. This number increases every day. If you fall under this or plan to be, a life insurance policy guarantees some money left for their expenses and care.

A Baby is on The Way
The older people get, the more their health deteriorates, and the longer buying a policy is held off, the larger the costs are eventually. When the mother would have to stay home from work due to pregnancy, a household may lose a paycheck. This provides an important reason to arrange a financial safety net before the baby arrives. 

Extreme Hobbies
Thrill-seekers with extreme hobbies like rock climbing, skydiving, or something else of the same nature, would also have to pay more to become insured as they are treated the same as having a high-risk job. If information regarding this is withheld, the insurance company may decrease or cancel the death benefit in the event of your death. 

Conclusion
Everyone can get the insurance that will benefit them from policies. You should always get the right life insurance policy that fits your specific lifestyle. 

At  Meyerson-Roth Co Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (516) 432-5800. Get your free quote today by CLICKING HERE.