Benefits:Disability Insurance

Helping take care of your bills while you’re taking care of yourself.

disability

100 million Americans are not protected with disability insurance. You could become disable and unable to work. Bills won’t go away just because your paycheck is gone.

Keep an income even though you’re not at work and still be able to:

  • Pay the mortgage
  • Make a car payment
  • Cover household bills
  • Even buy groceries

NCW will help you choose the plan that is right for you. Giving you peace of mind if the worst ever does happen. Get a covered and have something set in place for when you need it for your individual needs.

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  • OSHA announces policy change on monorail hoists in construction

    OSHA announces policy change on monorail hoists in construction WASHINGTON – The U.S. Department of Labor’s Occupational Safety and Health Administration has announced a new enforcement policy that excludes monorail hoists from the requirements of Subpart CC – Cranes and Derricks in Construction, as long as employers meet other OSHA requirements. The policy change was made in response to comments from stakeholders and in recognition that a monorail hoist – ...  Read More

  • Understanding Non-Discrimination Testing

    Employers that sponsor a cafeteria plan and certain other health and welfare plans need to be aware of the requirement for non-discrimination testing. Non-discrimination testing is done to ensure that a plan does not favor highly compensated employees or key employees. With regard to non-discrimination testing these employees become a “prohibited group”, in other words, the plan cannot favor the prohibited group.   Read More

  • Turning to the Positive: How to be a Better Friend and Co-Worker

    Written by: Robert Ledbetter, Hillside Christian Church & Kimberly Dryden, NCW InsuranceTraumatic events such as sudden illnesses, accidents, and deaths can have profound effects on individuals and the way they interact with others. On Thursday, June 15, NCW Insurance and the Dallam - Hartley Counties Hospital District are sponsoring three workshops at Coon Memorial Hospital to educate and prepare individuals on how to handle such events and how to support friends, family and co-workers cope...  Read More

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