Heather Siems

Unfortunately, I had to spend the last 2 weeks in ICU and the hospital in AZ with my dad who was hit by a car and barely survived.

Watching these other humans care for him was amazing. We had a full trauma team, Trauma Doctor, Cardiologist, Respiratory specialist, neurologist, orthopedic surgeon and more. It takes so much time and dedication to learn all the knowledge and skill it takes to do that and help keep people alive! It also takes a special person to want to do that for others… Show more

Unfortunately, I had to spend the last 2 weeks in ICU and the hospital in AZ with my dad who was hit by a car and barely survived.

Watching these other humans care for him was amazing. We had a full trauma team, Trauma Doctor, Cardiologist, Respiratory specialist, neurologist, orthopedic surgeon and more. It takes so much time and dedication to learn all the knowledge and skill it takes to do that and help keep people alive! It also takes a special person to want to do that for others. These crazy 12 hour shifts the nurses do and what they have to do during that time is truly amazing. So BIG shout out to all of those special people and know I am SO grateful for all you do. Attitude of Gratitude 💜 Show less

(Nothing against bees, they are amazing and needed :) When I stepped out of my car today I noticed all the bees buzzing around the bushes and thought, wow, what a boring life 😂 Same thing everyday, day in and day out. No matter how much you do one day, there is always more of the same thing to do the next day. While this is a simple life…. HOW BORING!! As humans, we have the opportunity to have variety, options, connection, and self growth. We are unique in the animal world. And while we can… Show more

(Nothing against bees, they are amazing and needed :) When I stepped out of my car today I noticed all the bees buzzing around the bushes and thought, wow, what a boring life 😂 Same thing everyday, day in and day out. No matter how much you do one day, there is always more of the same thing to do the next day. While this is a simple life…. HOW BORING!! As humans, we have the opportunity to have variety, options, connection, and self growth. We are unique in the animal world. And while we can get frustrated at the up’s and down, the bad, the whirlwind and more - let’s not forget how amazing it is that we get to live full life’s with the power to create and the cognitive awareness to evolve as people throughout our time here together on this planet. So today, im grateful I’m human, and not a bee 😃 Attitude of Gratitude!!! 💜 #attitudeofgratitude #buzzzzz #tooboringforme Show less

Not giving because of an agenda or other motive but just because that is the type of person they are. Giving money and time to charity, yes, but even further than that, the little things we give to others (time, attention, energy) that can mean so much. Giving isn’t completely altruistic for most. As a giver, I get extreme personal fulfillment out of giving. But what I do know and believe is “what goes around comes around,” and the world is a better place with givers in it. So givers know, I… Show more

Not giving because of an agenda or other motive but just because that is the type of person they are. Giving money and time to charity, yes, but even further than that, the little things we give to others (time, attention, energy) that can mean so much. Giving isn’t completely altruistic for most. As a giver, I get extreme personal fulfillment out of giving. But what I do know and believe is “what goes around comes around,” and the world is a better place with givers in it. So givers know, I see you, I recognize you, and there are lots of people out there that are grateful for you 💜 #attitudeofgratitude #givers #iseeyou #3takes #nofilter #spreadthegratitudelove Show less

It was such a welcome surprise today to get these flowers from someone congratulating me on my dancing with the stars performance (and purple, my fav!). It was delivered to my office and was completely not some thing I expected. I love doing this for other people and am reminded how great it feels to be on the receiving end. When is the last time you did a small gesture for someone they weren’t expecting? Little things can go along way in brightening up someone’s day and making them feel… Show more

It was such a welcome surprise today to get these flowers from someone congratulating me on my dancing with the stars performance (and purple, my fav!). It was delivered to my office and was completely not some thing I expected. I love doing this for other people and am reminded how great it feels to be on the receiving end. When is the last time you did a small gesture for someone they weren’t expecting? Little things can go along way in brightening up someone’s day and making them feel special. I challenge you to find the next opportunity and take action on it if it inspires you. Let’s take the time to lift each other up. Attitude of gratitude 💫 #attitudeofgratitude #smallthings #lifteachotherup Show less

🌊the smell, the breeze, the sounds, the vast beauty - I can never get enough.

When I sit and listen to the waves role in and out it reminds me of ebb and flow of life and business. Water can be both extremely powerful, and also soft and calming. At times you hear the powerful crashing of the waves coming down and up onto the shore and then a moment later hear the calming sound of it retreating, and flowing along the pebble, rocks and sand. I have found it’s best to exist in both these… Show more

🌊the smell, the breeze, the sounds, the vast beauty - I can never get enough.

When I sit and listen to the waves role in and out it reminds me of ebb and flow of life and business. Water can be both extremely powerful, and also soft and calming. At times you hear the powerful crashing of the waves coming down and up onto the shore and then a moment later hear the calming sound of it retreating, and flowing along the pebble, rocks and sand. I have found it’s best to exist in both these places; strong, confident and powerful, but at the same time, calm, peaceful and going with the flow. I would encourage you to be intentional with your energy and do the same, it may shift some things for you ☺️ #attitudeofgratitude #strongandpeaceful #smellofsaltwater #theoceanismyjam Show less

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➤… Show more

Please copy and paste the links below to view the podcast:

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When faced with an employee who’s been disabled, uninsured employers have few options. Do you continue to pay all or part of a salary? Offer unpaid leave? Terminate employment? For an employer and employee, the choices can be devastating. An insured Long Term Disability plan will replace up to 66 2/3% of an employee’s income up to the age of 67 in a situation where catastrophic illness or injury exists. A managed LTD plan allows an employer to outsource the difficult decisions surrounding a… Show more

When faced with an employee who’s been disabled, uninsured employers have few options. Do you continue to pay all or part of a salary? Offer unpaid leave? Terminate employment? For an employer and employee, the choices can be devastating. An insured Long Term Disability plan will replace up to 66 2/3% of an employee’s income up to the age of 67 in a situation where catastrophic illness or injury exists. A managed LTD plan allows an employer to outsource the difficult decisions surrounding a disabled employee to disability experts. Along with income protection, most disability plans offer rehabilitation and return-to-work services that are essential to the recovery of disabled employees. The goal of Long Term Disability insurance is to financially protect and proactively return disabled employees to a productive life. Show less

A 401(k) plan is a qualified deferred compensation plan which enables you to save money, lower taxes, and invest in your financial future. Under a 401(k) plan, your elective contributions are made on a before tax basis; that is, the amount deferred will be excluded from your taxable income. This may currently lower your taxes. The following are some advantages of our 401(k) plan.

Elective deferrals are voluntary and the amount you contribute is up to you. (Federal law limits the deferral… Show more

A 401(k) plan is a qualified deferred compensation plan which enables you to save money, lower taxes, and invest in your financial future. Under a 401(k) plan, your elective contributions are made on a before tax basis; that is, the amount deferred will be excluded from your taxable income. This may currently lower your taxes. The following are some advantages of our 401(k) plan.

Elective deferrals are voluntary and the amount you contribute is up to you. (Federal law limits the deferral to or $18,000 ($24,000 if over 50)
Deferrals are made before tax; therefore, you pay less in Federal and State income taxes
Earnings and income are not taxed until the money is distributed from the plan. When you receive your retirement benefit you may be in a lower tax bracket than you are currently. Show less

"Please click show publication to find all the information."

American Association For Cancer Research.
American Heart Association.
Autoimmune Journal for New Moms.
Bloodless Medicine and Surgery Network provides information, links, and stories on bloodless medicine and surgery.
CancerGuide is dedicated to helping you find the answers to your questions about cancer and especially to helping you find the questions you need to ask.
CancerNet – The National Cancer Institute’s gateway to the most recent and accurate cancer… Show more

American Association For Cancer Research.
American Heart Association.
Autoimmune Journal for New Moms.
Bloodless Medicine and Surgery Network provides information, links, and stories on bloodless medicine and surgery.
CancerGuide is dedicated to helping you find the answers to your questions about cancer and especially to helping you find the questions you need to ask.
CancerNet – The National Cancer Institute’s gateway to the most recent and accurate cancer information.
Choosing Nature – Personalized Balanced Natural Care.
Coronado Skin Medical Center – home of the internationally acclaimed cosmetic surgery team of Drs. William and Kim Cook.
Health A to Z – a family health site.
HealthGate provides eHealth solutions to healthcare institutions, corporations, and websites.
InteliHealth – health information made accessible to the widest possible audience.
Mayo Clinic Health Oasis – reliable information for a healthier life.
MedExplorer – health and medical information center.
Mental Health Net – the award-winning guide to mental health, psychology & psychiatry online.
New England Journal of Medicine.
PubMed – National Library of Medicine.
RxList – The Internet drug index. Show less

HIPAA stands for the Health Insurance Portability and Accountability Act. Passed by Congress in 1996, HIPPA helps to protect your rights to health coverage during events such as changing or losing jobs, pregnancy, moving, or divorce. It provides rights and protections for employers when getting and renewing health coverage for their employees.

The following information highlights the scope of HIPAA in the broadest sense. Keep in mind HIPAA is not an insurance policy.

HIPAA… Show more

HIPAA stands for the Health Insurance Portability and Accountability Act. Passed by Congress in 1996, HIPPA helps to protect your rights to health coverage during events such as changing or losing jobs, pregnancy, moving, or divorce. It provides rights and protections for employers when getting and renewing health coverage for their employees.

The following information highlights the scope of HIPAA in the broadest sense. Keep in mind HIPAA is not an insurance policy.

HIPAA provides rights and protections for both group health plans and individual coverage. These rights and protections address:

Portability – Whether you can get new health coverage if you want to change coverage.
Availability – Whether health coverage must be offered to you and your dependents.
Renewability – Whether you are able to renew health coverage. Show less

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Morrison Insurance Services is very active in the group and individual Life insurance marketplace. Whether you are investigating Life insurance for an individual, a group plan for a small start up, or a 1000 employee multistate corporate group plan, our agency is capable and prepared to assist you. We can help you evaluate your needs, survey the marketplace, prepare side by side plan and price comparisons for your review, and then help you implement the plan(s) that you determine best meet your… Show more

Morrison Insurance Services is very active in the group and individual Life insurance marketplace. Whether you are investigating Life insurance for an individual, a group plan for a small start up, or a 1000 employee multistate corporate group plan, our agency is capable and prepared to assist you. We can help you evaluate your needs, survey the marketplace, prepare side by side plan and price comparisons for your review, and then help you implement the plan(s) that you determine best meet your objectives. Show less

Morrison Insurance Services is very active in the group and individual medical insurance marketplace. Whether you are investigating medical insurance for an individual, a group plan for a small start up, or a partially self-funded multi-state corporate group plan, our agency is capable and prepared to assist you. We can help you evaluate your needs, survey the marketplace, prepare side by side plan and price comparisons for your review, and then help you implement the plan(s) that you determine… Show more

Morrison Insurance Services is very active in the group and individual medical insurance marketplace. Whether you are investigating medical insurance for an individual, a group plan for a small start up, or a partially self-funded multi-state corporate group plan, our agency is capable and prepared to assist you. We can help you evaluate your needs, survey the marketplace, prepare side by side plan and price comparisons for your review, and then help you implement the plan(s) that you determine best meet your objectives. Show less

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Morrison Insurance Services provides an growing array of online services to assist your efforts to gain a competitive advantage in servicing your employees. Our Agency website has online quoting, secure summary benefits, email web forms, as well as many other Internet capabilites, making it easier for you to get the information you need.

"Please click show publication to find all the information."

Take advantage of our resources center to find information on insurance terminology, financial topics, estate planning, life, health and wellness, and group medical information. With that comes a great task of keeping our website up-to-date with the finest resources, links and questions available on the Internet. Our Resources are here for your benefit.

You can bookmark this page and keep our Resources as your online source for solid information on a variety of insurance and related… Show more

Take advantage of our resources center to find information on insurance terminology, financial topics, estate planning, life, health and wellness, and group medical information. With that comes a great task of keeping our website up-to-date with the finest resources, links and questions available on the Internet. Our Resources are here for your benefit.

You can bookmark this page and keep our Resources as your online source for solid information on a variety of insurance and related topics

Please Note: The resource section is not intended to be a substitute for an appointment with your physician. Your specific clinical and diagnostic medical questions should continue to be directed to your physician. This resource center is provided as a resource for you to become a better informed decision-maker on issues related to your health.

Disclaimer: These Internet sites may have additional information on health topics of interest to you. However, we do not sponsor or endorse any of these sites, nor can we guarantee the accuracy of the information contained on the sites. These links are provided for your general information and education only, and should NOT be relied upon for personal diagnosis or treatment. If you have questions, please contact your health care provider. Show less

Average life expectancy for a 40-year old: 78.7 years
Average life expectancy for a 65-year old: 82.7 years
Percentage of those now aged 65 who are expected to survive to age 90: 25%
Percentage of those over 85 who need help with activities of daily living: 50%
Average annual cost of a nursing home nationwide: $51,000 ($140/day)
Average annual cost of a nursing home in urban areas: $73,000 ($200/day)
Average length of stay: 2.3 years
Percent who stay 5 years or more:… Show more

Average life expectancy for a 40-year old: 78.7 years
Average life expectancy for a 65-year old: 82.7 years
Percentage of those now aged 65 who are expected to survive to age 90: 25%
Percentage of those over 85 who need help with activities of daily living: 50%
Average annual cost of a nursing home nationwide: $51,000 ($140/day)
Average annual cost of a nursing home in urban areas: $73,000 ($200/day)
Average length of stay: 2.3 years
Percent who stay 5 years or more: 21%
Percent of Americans who are expected to need long-tem care: 50%-60%
Percentage of Americans who have ever purchased a long-term care policy: 6%
Percentage of nursing home residents who exhaust their resources to pay for care: 50%
Sources: U.S. Census Bureau, National Center for Health Statistics, Health Insurance Association of America, and New England Journal of Medicine. Show less

Also known as Flexible Benefit plan, Section 125 plans allow employees to pay for certain benefits with pretax dollars. This allows them to save taxes on insurance premiums, out of pocket health care and or related child or dependent care expenses. Any dollar the employee defers into the flex plan is withheld before any taxes are calculated. The employer will save their portion of social security tax, Medicare, payroll and any other state-required taxes.

The employee may elect to… Show more

Also known as Flexible Benefit plan, Section 125 plans allow employees to pay for certain benefits with pretax dollars. This allows them to save taxes on insurance premiums, out of pocket health care and or related child or dependent care expenses. Any dollar the employee defers into the flex plan is withheld before any taxes are calculated. The employer will save their portion of social security tax, Medicare, payroll and any other state-required taxes.

The employee may elect to participate in any of three accounts. Federal, State and Social Security taxes are saved on every dollar contributed to the plan.

PREMIUM ACCOUNT allows employees to pay their group insurance premium contributions pretax, increasing their take home paycheck;

HEALTH CARE SPENDING ACCOUNT allows employees to use pre-tax monies to cover deductibles, co-pays and other non covered expenses;

DEPENDENT CARE SPENDING ACCOUNT allows employees to save taxes on child or dependent care expenses. Show less

Voluntary Benefit Payroll Deduction plans have become increasingly popular among employers and employees alike. Employer appreciate the offerings because it allows them to offer a complete line of benefits without having to actually pay for any of the actual costs. In many instances the employer actually benefit because of the FICA, Medicare, Workers Compensation and Unemployment payroll tax savings.