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Category Archives: Insurance / Medical Services

Business Report: COVID-19 Estate Planning Issues

Posted onApril 9, 2020April 10, 2020
David Kubikian is a principal with Herzog Law Firm in Saratoga Springs. Courtesy Herzog Law

By David Kubikian, Esq.

When did COVID-19 first enter your radar as something that would change our lives? Was it news about South Korea? Italy? Was it when Tom Hanks announced he had contracted the coronavirus? Or when every sport suspended its season?

For estate planning attorneys, who by nature contemplate the future more than most, the radar had a blip in early February. It is about then that the casual conversations we normally have with clients prior to the serious business of estate and elder planning began to change. Conversations about their recent trips or future travel plans included some reference to that “virus thing”.

A few weeks of government directives for closures and social distancing later, we are adjusting to pandemic life. Thankfully, food and supplies are available in local grocery stores and supermarkets. The banks and postal service are still running. And of course, the internet still works. Thank goodness for that.

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Emergency, Sick Leave Enacted For Pandemic

Posted onApril 9, 2020April 10, 2020

The U.S. Department of Labor announced new action regarding how American workers and employers will benefit from the protections and relief offered by the Emergency Paid Sick Leave Act and Emergency Family and Medical Leave Expansion Act, both part of the Families First Coronavirus Response Act (FFCRA).

The department’s Wage and Hour Division (WHD) posted a temporary rule issuing regulations pursuant to this new law. It took effective April 1.

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Enrollment Extended For NY State Of Health

Posted onApril 9, 2020April 10, 2020

NY State of Health, together with the state Department of Financial Services (DFS), have extended enrollment period available to New Yorkers during which eligible individuals will be able to enroll in insurance coverage through NY State of Health.

The step was taken in light of the COVID-19 public health emergency to further protect the public health of New Yorkers, so that individuals do not avoid seeking testing or medical care for fear of cost. The open enrollment period for coverage in 2020 had previously ended on Feb. 7.

NY State of Health has opened a special enrollment period for uninsured individuals who need to enroll in a Qualified Health Plan. The period runs through April 15.

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Saratoga Hospital Spending $6M To Expand Mollie Wilmot Radiation Oncology Center

Posted onApril 4, 2019April 5, 2019
This Linear Accelerator delivers radiation to treat cancer in all parts of the body.
Courtesy Saratoga Hospital

Cancer patients in the Saratoga region are benefiting from a $6 million renovation and expansion—including a second linear accelerator—at Saratoga Hospital’s Mollie Wilmot Radiation Oncology Center.
The state-of-the-art Varian TrueBeam Linear Accelerator adds significant capacity at a facility that has seen demand increase by more than 30 percent since the center opened in 2005, hospital officials said. The new LINAC also enables the Radiation Oncology Center to offer treatments that previously were not available at Saratoga Hospital.

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iCRYO Opens A Franchise in Clifton Park, The Company’s Second New York State Location

Posted onApril 4, 2019April 5, 2019
The iCRYO Clifton Park location, 309 Clifton Park Center Road, marks the second New York location for the budding cryotherapy franchise. It has six locations nationwide.
©2019 Saratoga Photographer.com

iCRYO Cryotherapy, a leading cryotherapy franchise, launched its newest location in Clifton Park on March 30.
The iCRYO Clifton Park location, 309 Clifton Park Center Road, marks the second New York location for the budding cryotherapy franchise. The company has six open locations nationwide and three currently in development
Cryosurgery is the application of extremely low temperatures to destroy abnormal or diseased tissue and is used most commonly to treat skin conditions.
According to iCRYO, cryotherapy is used in an effort to relieve muscle pain, sprains and swelling after soft tissue damage or surgery. It can be a range of treatments from the application of ice packs or immersion in ice baths (generally known as cold therapy), to the use of cold chambers.
iCRYO Cryotherapy offers whole body cryotherapy, localized cryotherapy and cryotherapy facials, compression therapy and infrared sauna, as well as cryoskin services for body slimming and toning. A list of benefits from cryotherapy include: muscle recovery, decrease in joint pain, immunity boost, stress relief, anti-aging, skin rejuvenation, metabolic boost and improved sleep.

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OrthoNY Opens New Offices In Clifton Park; Sees Patients For Routine And Emergent Care

Posted onApril 4, 2019April 5, 2019

OrthoNY opened its newest location last month.
OrthoNY Surgical Suites, located at 16 Maxwell Drive in Clifton Park, offers outpatient, orthopaedic surgery and pain management from the same Saratoga and Schenectady physicians whom patients see in OrthoNY offices for routine and emergent care.
Ambulatory surgery centers like OrthoNY Surgical Suites specialize in meeting the needs of orthopaedic patients whose treatment does not require hospital admission, officials said. Staff welcome patients on the day of their procedure, and practice physicians perform surgeries in one of four fully equipped operating rooms.

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Northeast Thermography Medical Imaging Center Adds Mobile Service For Its Patients

Posted onApril 4, 2019April 5, 2019
Howard Vics, director of Northeast Thermography Medical Imaging Center, works with a patient in his Clifton Park office. He has added a mobile service for patients that live far away.
©2019 Saratoga Photographer.com

By Jennifer Farnsworth
Howard Vics, director of Northeast Thermography Medical Imaging Center in Clifton Park, in addition to celebrating five years in business his year, announced a new mobile option for the company.
The new option, Vics said, allows providers and patients to receive valuable services without having to worry about travel.
Northeast Thermography Medical Imaging Center health practitioners use a screening device that looks for physiological warning signs—made possible by thermography, or infrared imaging—that detecting changes in the body that may signal disease. It is less intrusive than X-rays in that there no touching or compression of the body.

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Agents Recommend Business People Meet With Them Regularly To Review Policies

Posted onApril 4, 2019April 5, 2019
DeWitt Jenks, president of Jenks Family Insurance Agency.
©2019 Saratoga Photographer.com

By Christine Graf
Because the insurance industry is constantly changing, insurance agents suggest that business owners meet with their agents on an annual basis in order to review their policies.
Jennifer Longtin, owner and president of Lighthouse Insurance Agency in Ballston Lake, said this is the only way for agents to ensure that their clients have the coverage they need. She has operated her business for 17 years and has been in the insurance business for more than 30.
“It’s not always about just adding more expense. It’s really about providing the right protection for whatever their needs are,” said Longtin. “Insurance should always change as the times change and as the business changes. And honestly, I don’t know any business that stays in business for years and years and doesn’t change.”

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Clifton Park Braces And Adirondack Orthodonics Steadily Expanded Over Time

Posted onApril 5, 2018April 6, 2018

By Susan E. Campbell

Clifton Park Braces and Adirondack Orthodontics is celebrating five years in the Capital District. During that time, Dr. Sergey Berenshteyn, owner and founder, has expanded from his first office near Shenendehowa Central School District to, now, Albany and Latham.

The flagship Clifton Park office was recently expanded.

“This past summer, we took over the adjacent office at 931 Route 146 and increased our space by one-third,” he said. “Local contractors and suppliers provided the renovations. A.B.P. Builders out of Albany was recommended by someone who had used that firm to build his medical office.”

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Insurance Against Cyber Breaches Is Among The Policies Recommended By Local Agents

Posted onApril 5, 2018April 6, 2018
Kyle Wessels is a partner with the KPM Group in Saratoga Springs.
Courtesy KPM Group

By Jill Nagy

A critical part of launching a new business should be a meeting with an insurance agent to discuss the company’s needs, said Bill Bergan, an account executive with Amsure, the insurance arm of Adirondack Trust Co. 

The new business will need the legally required coverages, such as Workers’ Compensation, disability, and paid family leave, along with coverages probably required by the lease for the business premises, such as general liability coverage and coverage for fire, water and other damage to the business contents, he said. 

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