MISSISSIPPI SOCIETY OF CERTIFIED PUBLIC ACCOUTANTS ENDORSED INSURANCE PORTFOLIO

We encourage you to review the outstanding insurance programs available to you as members of the Mississippi Society of Certified Public Accountants. Robert Ellis & Associates , exclusive representatives of the MSCPA endorsed insurance portfolio, would be pleased to assist you in comparing your current coverage with the quality benefits and competitive pricing available through the Society plans.

For your convenience, you can also download many of the forms for your program online.

>> Go to Association Forms

YOUR MSCPA-SPONSORED HEALTH INSURANCE PROGRAM

As a member of the MSCPA, you and your employees are eligible for one of the finest health insurance programs in the Group insurance market. Your MSCPA-sponsored programs now offer you both PPO (co-pay) options as well as the cost-saving Health Savings Account (HSA) program. Highlights of the MSCPA health insurance program that set your Society plan apart from the non-sponsored competitors are:

• Top quality benefits at competitive rates underwritten by Nippon Life of America
• Prompt professional billings and claims administration by Total Plan Services
• The MSCPA-sponsored program offers you both PPO (co-pay) options as well as the cost-saving Health Savings Account (HSA) program
• The MSCPA-sponsored program is monitored and reviewed by a committee of your peers on the Insurance Committee
• $750, $1000 and $2500 deductible plans with doctor and prescription co-pays for groups of 2 or more (New in 2007)
• 12 month rate guarantees (New in 2007)
• Network expansion allows Tupelo area members to access Health Link providers (New in 2007)
• Just as premiums increase when higher claims occur, the MSCPA program allows participants to re-apply to lower their rates when health conditions improve
• Personal attention to your insurance needs by the professionals at Robert Ellis & Associates. If you're having a problem with claims or have a question about benefits, REA welcomes the opportunity to be of service.

Whether you are interested in the more conventional programs offering doctor office visit and prescription co-pays or the tax and premium savings available through an IRS-qualified High Deductible Health Plan (HDHP), your MSCPA-sponsored health insurance program has a plan for you.

As an MSCPA member, Robert Ellis & Associates will be happy to provide you with a complimentary review of your personal health and life insurance portfolio, including the following coverage offered on a non-sponsored basis:

• Life Insurance - including Term, Whole and Universal Life for you and your family or as an additional safeguard for your practice
• Short and Long Term Disability – coverage that pays you directly when you are totally disabled due to illness or injury
• Business Overhead Protection – coverage that pays your office expenses when you are totally disabled due to illness or injury

YOUR MSCPA-SPONSORED PROPERTY & CASUALTY INSURANCE PROGRAM

PROFESSIONAL LIABILITY INSURANCE: As a professional, one of the most important considerations in practice is the acquisition of top quality malpractice insurance. Your MSCPA-sponsored Professional Liability Insurance program provides the protection you require at prices you can appreciate. Highlights of the Society's plan include:

• Underwritten by the CAMICO, the nation's larges CPA-owned mutual insurance company
• Coverage designed exclusively by and for CPA's
• Recognized as an industry leader in pro-active risk management education and policyholder support

BUSINESS OFFICE PACKAGE: Hurricanes Katrina and Rita have underscored the importance of adequate insurance on your building and contents. Although restrictive underwriting guidelines have affected the marketplace, the professionals at Robert Ellis & Associates continue to assist clients in making sure their property coverage is adequate to cover replacement (no deduction for depreciation) cost s should they suffer a total loss due to a covered peril. Your property representatives at Robert Ellis & Associates can provide you with a detailed survey to use in determining if your current coverage is sufficient.

In reviewing your current coverage, it is also important to make certain that your property and casualty portfolio protects you against:

• FLOOD
• EARTHQUAKE
• COMPUTER EQUIPMENT
• VALUABLE PAPERS AND RECORDS
• BUSINESS INCOME
• COMMERCIAL GENERAL LIABILITY
• NON-OWNED AND HIRED AUTOMOBILE INSURANCE
• ERISA BONDS

WORKER’S COMPENSATION is required by Mississippi law if your employ 5 or more individuals (including both full-time and part-time.) This coverage protects you against claims filed by your employees for injuries received at work.

For additional information or a premium indication on any of the products endorsed by your Association, please contact us. We look forward to the opportunity to be of service.

To learn more about the many benefits available to you as an MSCPA member, simply click on the MSCPA logo for a direct link to the MSCPA website.