Filed under: BenefitsPro, Charity, Combs & Company, Mizzou Law Veterans Clinic, Pancakes for Roger, Roger E Combs, Susan L Combs, University of Missouri | Tags: Charity, Combs & Company, Doing Good, Family, life, Mizzou Law Veterans Clinic, Pancakes for Roger, parenting, Susan L Combs, travel, Veterans, writing
The success of the Pancakes for Roger campaign isn’t measured in dollars raised or photos collected. It’s about the stories people share, the memories they honor, and the way this tradition continues to bring people together.
Click Here for the original post at BenefitsPro
By Susan L. Combs | March 21, 2025 at 02:40 PM
Every February, the world joins me in honoring my dad, Major General Roger E. Combs, by taking a moment to eat pancakes and take some pics. Simple, right? But Pancakes for Roger was never really about breakfast, and to be honest, it was never just about a man who broke my heart at the end of his life when he made a simple request for a favorite food. It was about what that request represented: gratitude, connection, and the small moments that make life meaningful.
Smashing records and setting the bar even higher
In 2025, we set out with ambitious goals: raise funds for the University of Missouri School of Law Veterans Clinic and gather 1,000 photos from around the world of people celebrating Pancakes for Roger month. Well, we didn’t just meet those goals—we smashed them.
- Thanks to our generous sponsors and corporate matching donors, we raised over $13,000 for the Veterans Clinic, ensuring that those who have served our country get the legal support they need.
- We collected pancake pictures from all 50 states, Washington, D.C., as well as 25 countries, and six continents.
- And that 1,000-photo goal? We hit 1,142 submissions!
Yes, we had people eating pancakes on the beaches of New Zealand, in the mountains of Switzerland, and at kitchen tables across the U.S. We had military veterans, families, business teams, and complete strangers all taking part in something bigger than breakfast. That’s the power of a shared tradition.
More than just a meal
The success of the Pancakes for Roger campaign isn’t measured in dollars raised or photos collected. It’s about the stories people share, the memories they honor, and the way this tradition continues to bring people together.
This year, I heard from an active-duty Airman who made pancakes with his kids for the first time since returning home from deployment. A group of law students at Mizzou sat together over breakfast, discussing how they hope to help veterans through their future work. A woman in Japan told me she made pancakes in honor of her grandfather, a fellow veteran, who had passed away years ago. These are the moments that make this campaign special.
Because at its core, Pancakes for Roger is about remembering the little things — the moments we too often take for granted. It’s about slowing down, pulling up a chair, and taking a moment to be grateful. My dad knew that. And whether he was piloting CH-46 helicopters or sitting in a courtroom, he never lost sight of what mattered most.
What’s next?
This campaign started as a personal way to honor my dad, but it has grown into something bigger than I could have ever imagined. And we’re not done yet.
As a full-fledged non-profit, we are partnering with other non-profits around the country to make the greatest impact on veterans’ needs as we grow our endowment fund. Our mission is clear:
Creating pathways to improve the lives of veterans and their communities.
With the continued support of this incredible community, we will create lasting change for those who have served.
Thank you!
To everyone who participated, donated, shared, and made Pancakes for Roger 2025 a success—thank you. You are part of something special. And I know my dad is looking down, smiling, probably wondering how the hell we got we got a mule and a pig to pose for pancake pics!
I would also be remiss if I didn’t take a moment to acknowledge something else: Being a part of the insurance industry has afforded me the ability to launch this non-profit. The relationships I’ve built, the opportunities I’ve had, and the people who have stepped up to help have been instrumental in taking Pancakes for Roger to the next level.
A special thank you to some incredible individuals from our industry who have gone above and beyond this year through their efforts:
Eric Silverman, Angela Kidd, Antinea Martin, Allison De Paoli, Stephanie Berger, Jolene Bibian, Dr. Cristin Dickerson, Dawn McFarland, Taylor Miles, Jenny Weaver, Talia Hansen, Marie Goldbeck-Strunk, Senator Kristin Dassler-Alfheim, Juli McNeely, Kyle Gorman, Ali Goodwin, Sara Walker Hite, Amanda Brewton, Colleen Blum, David Mordo, David Smith, Lisa Laliberte, Robin Tefft, and Julie Parks.
So, as we look ahead, let’s keep the momentum going, keep lifting up our Veterans, and most importantly — keep the syrup flowing.
Filed under: Affordable Care Act, BenefitsPro, Broker Innovation Lab, Combs & Company, Combs & Company Blog, Health Insurance, Insurance Women, Mental Health, Pancakes for Roger, Susan L Combs, Women in Insurance, Women's Health | Tags: Addiction, Breaking Point, Broker Innovation Lab, Combs & Company, Family, Mental Health, Susan L Combs
By Susan L Combs | October 04, 2023 at 07:19 AM
Original Article on BenefitsPro
I’ve struggled with even starting this article, but this topic has been weighing on my mind for well over a year. In our industry, we talk so much about mental health and wellness, which is great. And as those of us in the industry know, under the Affordable Care Act (ACA), we now have Mental Health Parity. And in some places like New York, even before the ACA we had things like Timothy’s Law that gave New Yorkers access to unlimited mental health sessions in network years prior. This is all incredible.
But you know what we haven’t talked about?
The family of the mentally ill or person struggling with addiction. The people who are showing up as caregivers time and time again only to have their hearts broken for the umpteenth time.
I know I live a pretty open life and many of you reading this probably know that I have been sober for over two decades. I’ve chosen a path for myself that has led me to have an incredible life, and I am grateful that I learned at an early age what a degree from the School of Hard Knocks had to offer by making some pretty big mistakes for myself prior to the age of 23. But I know I put my family through a lot and I own it. I have gone on to make my amends and mend the fences that were damaged but not broken. I have worked hard to try and make the right choice each day for myself and others. Of course, this doesn’t mean I’m perfect or that I don’t blunder and step in it from time to time.
I’m not a big one for having regrets, because I truly feel that you are denying yourself your place in the world right now when you say you have them. I choose to not regret the things I have done because I know that they shaped me as the person I am today and as a result, I have been able to help others. But I broke my parents’ hearts. I made the General cry…
Until recently, I don’t think I realized what it was like being in my parents’ shoes. Dealing with someone who is being irrational when you are trying to be logical can be the definition of frustrating. But about a year and a half ago, I got a major life lesson that I didn’t want and certainly didn’t need. This all comes back to a promise I made to my dad before he passed. My dad and I were “Team Type A” in our family, and I knew that when he was dying, he needed to take comfort in knowing that everything would be OK within our family unit. I promised my dad that “I got this” and that I’d look after my mom and my brothers. The year before my dad passed, “Team Type A” got together and we spreadsheeted, we had all the information organized, I knew who to call if a pipe burst in our little apartment building, I knew who to call to sell the Winnebago, I knew who to talk to about VA benefits that passed to my mom, I had all the passwords, we had everything mapped out. But we didn’t talk about my oldest brother, who has dealt with severe mental illness for well over three decades. We just missed it.
Eighteen months ago, I had my ass handed to me. I had never dealt with a mentally ill person who had gone off their meds. It’s uncomfortable; it’s hard. Everything logical doesn’t work. It reminded me about being around someone who is highly intoxicated, which as a sober person, feels unsafe. It was triggering. He ended up getting arrested and then things really got tough. I’m in NYC, he’s in Kansas; there is so much I can do from here….but I promised my dad. This was a dance I had to make up as I went along. A legal eviction led us to have to purchase a home for him to live in, because no rentals would take him with a felony record, a legal eviction, and other charges. I lost a lot of sleep, but ultimately, I felt that I “fixed” the problem, because I am nothing if not tenacious and can basically figure out any problem you give me. But you can’t fix mental illness. You can’t throw money at it and hope it goes away. You can’t pray it away. You can’t act like it doesn’t exist. Because guess what? When you think things are fine, when you start sleeping soundly and things feel back to normal, it breaks again. And it did. It broke again a few months ago, which led to an involuntary commitment into a state hospital. I don’t think it’s necessary to give you a play by play of what happened, but when death threats are happening and you are being told by your brother that he, “Just got off the phone with Dad” (our father passed away in 2018) it’s rough. It makes you want to run away from the situation and never look back.
But I promised.But what did I promise? Did I promise I would put my own health on the line at the sacrifice of someone else? No. Did I promise I would be a horrible boss and a shit wife because I didn’t have the capacity to show up in the world for the people who depend on me? No. Did I promise to put so much stress on myself that I would have chronic diarrhea for 6 weeks straight because I carry my stress in my stomach? No. Would my father want me to work so hard at fixing an unfixable problem for someone who doesn’t put the work in for themselves? Absolutely not. But I did and I have.
When is it time to walk away?
When is it time to put your own mental health and wellbeing first?
I honestly can’t answer those questions for you, because I’m still figuring that out for myself. But I can tell you what I have done. I have shared about it in my 12-step program, I have shared about it with my therapist, and I’ve shared about it with my tight crew. But you know where I’ve gotten the most support? Just like there is a “Dead Dad’s Club” that you never know about until you are indoctrinated into it, there is the “Mental Illness Family Club” and those are the people who have really helped during this time. Those who have it in their families know how hard it can be. How thankless it can be. How “I’ll never get an apology” it can be. How unaccountable it can be. How abusive it can be. To my Superman fans, it’s what I picture Bizarro World to be. And it sucks.
This article isn’t meant to be a “poor me” piece; like I said before, I have a big beautiful life and I was given so many tools and lessons in my life that have prepared me for this … kinda. This article is meant to see the unseen. For those of you who are in this boat, please know that you aren’t alone. I encourage you to share your stories and find support where you can get it. It’s up to you what that looks like.
Don’t ever apologize for putting your wellbeing first when someone is making you the price of admission.
Be brave.
Filed under: BenefitsPro, Combs & Company, Combs & Company Blog, Innovative Broker Lab, Insurance Women, Mental Health, Pancakes for Roger | Tags: Combs & Company, Feature Friday, Innovative Broker Lab, Susan L Combs
We work in a people-facing business and don’t have the luxury of burying our heads in the sand. But this doesn’t mean that there aren’t times when we’d love to do just that.
By Susan L Combs | August 03, 2023 at 07:29 AM
Original Article on BenefitsPro
I can’t tell you how many people I have encountered over the past few months who have talked about how burnt out they are. Let’s face it, we work in a people-facing business and don’t have the luxury of burying our heads in the sand. But this doesn’t mean that there aren’t times when we’d love to do just that. I know there are days when my business partner Colleen Blum and I look at each other and say “When are we buying that ice cream truck?” We laugh and get back to the grind, but that 30 second check-in with someone else who “gets it” is sometimes all you need.
But what if you don’t have someone to do that with? Or at least you don’t think you do.
“How do you motivate yourself when you just aren’t feeling it?” was a question asked by one of our readers.
I started thinking a lot about what I do to stay motivated and when I asked myself this question, the first thing that came to mind is: I reach out.
To be honest, this is not something that I’ve always done; during my first 5-10 years in business, I carried the load along. I internalized and just kept grinding. But after 18 years as a business owner, I’ve learned better.
You aren’t a snowflake; feeling unmotivated is a common challenge that many people face. However, with the right strategies, you can regain your motivation. Here are some things I do to keep marching when I’m running on empty:
1. Move a muscle, change a thought: I know this might sound a little dumb, but when you get stuck, sometimes you just need to move. If you follow me on social media, you know I’m into CrossFit and start most days by working out. This lays the groundwork for me to take on the day, but if I feel unmotivated during other times, I walk around the block, walk down the hall or go check mail. Sometimes, just a little movement is all you need to shift things and get back at it.
2. Gratitude and goals: I have a girlfriend who owns her own law firm and Monday through Friday, we send each other a list of things that we are grateful for, followed by a list of what we want to accomplish for the day. We have been doing this for over two years and it’s a great way to start the workday in a good frame of mind—with gratitude and a list of goals for the day. I take the “goals” list and drop them into my “to do” list in Outlook and then check them off as I accomplish them. Nothing motivates me more than checking things off a list! (#loser)
3. The power of anticipation: It’s so important to look forward to something, whether this be a gift to yourself, a vacation, a conference, a random day off or a freakin’ popsicle. Have something in the distance that you know is coming when you get to that date on the calendar, land that client or hit a revenue goal.
4. Do something that has nothing to do with your business: This is something I learned from my dad. He was a Major General in the Air Force and a civilian judge, so he was on the road a lot. But one of the first things he would do within 24 hours of getting home was to go out to our farm and be a farm boy. I have a very analytical brain; I like math and I love me some spreadsheets. But during open enrollment, when the work increases and I need to give my brain a break or use it in a different way, I always have a creative project to work on when I get home so I can put my phone away and just focus. One year, it was making, bottling and labeling vanilla extract; another time, it was making Christmas ornaments. Currently, it’s knitting temperature blankets for my nieces. We all deserve to shut down, and this has been a perfect way for me to recharge for the next day.
5. Celebrate the wins: I made a reference earlier to sharing burnout with someone who gets it. And while some people might think they don’t have someone like that in their life, I promise that you do. There are things related to my business that I’m not going to pick up the phone and talk about with my mom or siblings, because they don’t know this part of my world. But my tribe is vast and strong. Having people in your corner who you can reach out and celebrate things with is crucial—especially if you are a one-person shop. When you land that big client, call a colleague in the business:, I promise that we will help you celebrate!
6. Take care of you. My close friend, Mike Veny, is a mental health motivational speaker. In an era where the topic of self care is coming at us from so many angles, he really simplified things for me. He said, “Self care is what you do for your health when you aren’t in the presence of a medical professional.” All of the suggestions in this article can be looked at as a form of self care, but sometimes the most important thing to do is say no to someone else so you can say yes to yourself. Don’t feel guilty about that.
I asked a few members of my crew to share what they do to motivate themselves when they are running on empty. Check these out!
Nancy Giacolone: “One of my favorite tricks is to work out in the morning, as it increases my dopamine and endorphins, and I am automatically more energized and motivated. The other trick I use is to rearrange my day. What gives me energy? Do that thing first! Then I can carry that positivity and energy into other tasks or parts of my day.”
Eugene Starks: “ I always find I recharge when I spend time with family and friends. Another big way I avoid burnout is by working-out. Setting aside time to work on myself in this way puts me in the right frame of mind for the challenges I face weekly. Another rule I have is that I never drink alone to relieve stress. I find drinking alone never reduces stress. I enjoy drinking in fellowship with friends because the fellowship brings down my stress.”
Erin Issac: “The most powerful thing I do is remember what I’m working towards and what I want the future to be. That moment ahead of me can help me take one step closer, or it might just be part of the motivation for change. Either way, taking action is what’s going to eventually get me there. Take the suck and let it inspire you to do more. That’s one thing, but it’s usually coupled with a few others: take a break, move your body, don’t try to soothe with social media or sweets. The other thing I always have is a lifeline — that friend, mentor, cheerleader who can remind you who you are and what you’re doing this for.”
Lester Morales: “By having a strong external “why” and an internal look in the mirror, I force myself to be accountable. Knowing the purpose of what I am doing, whether it be an internal or external driving force, moves me forward. I get up every morning and think, ‘Today, I’m going to make my parents proud.’ When I think of doing anything that is hard during the day, that is my motivation. My parents instilled in me my strong internal drive. I promised myself long ago that the person I have to be most accountable to is myself. For example, if I tell myself that I’m going to get up and work out, the only person I am cheating is myself if I don’t do it. How are you accountable to other people if you don’t start with yourself? You can’t pour from an empty cup, so if you are taking care of you, your ability to take care of others magnifies.”
What do you do to motivate yourself when you’re running on empty?
Filed under: BenefitsPro, Combs & Company, Pancakes for Roger | Tags: BenefitsPro, Pancakes for Roger, Susan L Combs, The Syrup
A reader reached out recently and said she was having issues with conflict management stemming from unclear roles and responsibilities between teams. Here are some steps I would look at taking to aid in the shift.
By Susan L Combs | July 07, 2023 at 07:14 AM
Conflict is never easy. We can sometimes kid ourselves that when it comes to business, it’s not personal. But it is. We aren’t working with machines; we’re working with people who have their own personalities, their own experiences, and their own aspirations.
A reader reached out recently and said she was having issues with conflict management stemming from unclear roles and responsibilities between teams. She feels that her team has been left out of brainstorming and decision-making processes. As a result, this is causing the culture to become exclusive rather than inclusive.
The easy answer would be to write out the processes and shift the culture, but there are various factors, including size, that can complicate matters. So, how can you be a champion within your own firm?
I worked for a large firm prior to starting my brokerage, and you could always see very quickly who the leaders were within a team. If that leader is you, it’s probably time to step up. You know how they say that change starts with you? I know it can sound cliché, but it really does. Oftentimes, when you put things in place to shift the culture within your team, you can serve as an example to others.
Here are some steps I would look at taking to aid in the shift:
- Identify the source of the conflict or confusion. Is it a person or is it a process? If it’s a process, and there is an existing outline, it might be outdated. If it’s a person, it likely stems from fear.
- Update and clearly define the roles and responsibilities of your team. This should involve creating a list of goals and tasks for which your team is responsible. This helps with overlap and prevents confusion. I would do a one-sheeter on this and just keep it simple.
- After you have come up with the process, I would encourage you to set up meetings with other teams you’ll be working with closely in order to set the tone that your team wants to be inclusive and work together but wants to streamline the process. This will encourage others to follow suit.
- Create and enforce boundaries. I’m not saying you should be the person who is always saying “that’s not my job,” but it can help your team take ownership of what they should and bring in an alternative team when it falls into their wheelhouse. This will help modeling become more inclusive, which is what you want.
- Lead by example. If your team is feeling left out, don’t do that to another team. We all know everyone doesn’t need to be in every meeting, but sometimes by giving others the option to participate and letting them know that you value their voice, you’ll see a shift and they will start to value yours.
This isn’t an airtight strategy to prevent all conflict in your organization;, however, when there is conflict, it’s often due to a lack of direction or information. If there is a deficit, his will help to clarify both.
When you break it down, this type of conflict can often be resolved through a combination of effective communication, collaboration, and problem solving. But you must be on board and not everyone will be. My dad was a Major General in the Air Force and frequently had to look at different roles, responsibilities and conflict. When I was dealing with a business issue, I remember him once saying, “80% of issues revolve around personnel and all of it is personnel.”
By implementing these practices, teams can be more effective at resolving conflicts stemming from unclear roles and responsibilities. But it won’t happen overnight. You might have to throw some spaghetti on the wall until something sticks!
Good luck, my friend!
combsandco 