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I Can’t Control Everything

Three years ago my #2 son had an operation that required strict adherence to a zero fat diet for 60 days post-surgery. The consequences of straying from this restriction as described by his doctor were severe and frightening, so we committed completely to the task....

Good Health Without Guilt

  At Czajkowski Dumpel & Associates our focus is to help clients manage risk primarily as it presents itself in health care situations. Helping clients with claims is part of what we do, but the conversations we have about preventing the situations that can...

Sleep ~ The Final Frontier

We all race through the week: from work to social events to family commitments. Weekdays turn into weekend days as we continuously strive to meet all the deadlines and expectations in our lives. Experts now recommend that we get off the grid, turn off your phones, and...

Are you prepared for the unexpected?

Many years ago I recall reading a very “spot on” print ad showing two wealthy old codgers on safari. You could almost hear the heavy British accent as one asked the other, “Say old chap, who handles your life insurance?” all as his companion was about to be mauled by...

Individual Health Insurance Update

One year into the Affordable Care Act we ALL face the open enrollment period for 2015. The time during which changes can be made with a January 1 effective date is 11/15/2014 – 12/15/2014. This is important since MANY plans will automatically terminate on...