Filed under: Affordable Care Act, Combs & Company, Combs & Company Blog, HR, Important Notice, Obamacare, Reform, Susan L Combs | Tags: ACA, Combs & Company, Insurance Terms, National Healthcare, Penalties
So we are in the home stretch! Three more days to go and then Open Enrollment ends for 2016. From experience, I have learned that many people wait until the last minute to pick a plan and some people just continue to bury their heads in the sand. So for those of you that are wondering, how much it’s going to cost you if you don’t get your act together, take a look at this user friendly graphic that will show you what to expect!

Filed under: BeadforLife, Combs & Company, Combs & Company Blog, Giving Back, Happy Holidays, Susan L Combs, Uncategorized | Tags: BeadforLife, Combs & Company, Happy Holidays

This year, in lieu of gifts and cards, Combs & Company is donating to
BeadforLife in our clients’ honor.

Combs & Co. has been a longtime supporter of BeadforLife – a nonprofit that works with women living in poverty to provide them with skills that enable them to become successful, savvy, and sustainable entrepreneurs. For over ten years, BeadforLife has trained women through their Beads to Business program – an 18-month course that teaches women how to make beaded jewelry out of paper, which they sell to earn capital to start businesses in their local markets. Since BeadforLife began, they have facilitated the creation of nearly 3,000 businesses, helping more than 40,000 people through the women and their families!
With help from supporters like Combs & Co., BeadforLife has already completed a rapid prototyping by training other women’s organizations on how to incorporate the Street Business School (SBS) model into their programs. These organizations provide SBS training to women in their own communities and help them become successful entrepreneurs! To expand globally, and ultimately reach their goal of having one million women trained in the SBS program by 2027, BeadforLife started the Ignite One Million campaign.
In November, Combs and Co. made a significant contribution to this campaign and unlocked a matching gift – making an investment worth $20,000! This money will help BeadforLife train more organizations around the world and evaluate their effectiveness to create the best plan to ignite the potential of one million women!
If you would like to join Combs & Co. in supporting BeadforLife’s efforts, and possibly have your own gift matched, please visit www.beadforlife.org/ignite
For more information about this wonderful organization visit BeadforLife at www.beadforlife.org
Happy Holidays to you and yours!
The Combs & Company Crew
Susan, Rachel, Jennifer, Colleen, Yahaira, Chris,
Anthony, Carol, Tish, Valerie & Hayley

Filed under: Co-Ops, Combs & Company, Combs & Company Blog, Health Insurance, Innovative Broker Lab, Susan L Combs | Tags: Combs & Company, Farewll to the Co-Ops, Innovative Broker Lab, Susan L Combs

Talk about a cluster! If you are in Arizona, Colorado, Iowa, Kentucky, Louisiana, Michigan, Nebraska, New York, Nevada, Oregon, Tennessee or (insert state that has probably been added in the past hour) I am feeling your pain over the co-op shutdown.
In New York, we were under the impression we had until 1/1 to secure coverage for our clients, only to get an email around 4pm on Friday, October 30th that Health Republic of New York was being shut down as of 11/30 by the state of New York. As if it wasn’t busy enough during open enrollment! To add insult to injury, guess who hasn’t been paid by the co-ops since September? How we all love to work for free! Click here to continue reading.
Filed under: Combs & Company, Combs & Company Blog, Motivational, Penn Mutual, Susan L Combs, WIFS | Tags: Broker Motivation, Combs & Company, Susan L Combs, WIFS

No doubt about it, financial services is a great career for women. As the current president of Women in Insurance & Financial Services (WIFS), I ought to know. Founded in 1936, WIFS is the only organization for women, by women, in the insurance and financial services industry. Our core mission is about attracting, developing and advancing women in this career.
My work with WIFS has connected me with women from all across the country. Some of them are veterans who have become extremely successful, while others are just getting started. I often get asked for advice on how women can be successful in this industry. Click here for my top tips to women considering a career in financial services.
Filed under: Brava Awards, Exciting News, Motivational, SmartCEO, Susan L Combs
New York SmartCEO Announces the 2014 Brava! Awards Winners
40 powerhouse female business leaders to be recognized in
SmartCEO’s Brava! Awards program
New York, NY (June 10, 2014) — New York SmartCEO and Title Sponsor WeiserMazars LLP are pleased to announce the 2014 Brava! Award winners. The Brava! Awards celebrate the distinguished achievements of 40 of Greater New York’s top women business leaders. This year’s class collectively generates more than $1.2 billion in annual revenue and employ over 49,000 individuals. This year’s winners will be profiled in the September/October issue of SmartCEO magazine and celebrated at an awards ceremony on September 23, 2014 at Capitale.
Please see below for a complete list of winners and for program details. To share in the excitement leading up to the event, follow us @SmartCEO #BravaAwards.
“Brava winners possess the utmost qualities in a leader — vision, passion, compassion, dedication, perseverance. Every one of this year’s winners exhibits these qualities in running their business, their families and their philanthropic activities. They give 110 percent of themselves,” says Rick Crane, regional president of SmartCEO Media. “We are honored and humbled to recognize a group of women who are truly making a difference in the world.”
The winners will be celebrated at the New York Brava! Awards ceremony on September 23, 2014 at Capitale. An expected sell-out event, over 300 local C-level executives and guests will attend to celebrate their achievements. Past Brava! winners will also be in attendance to welcome the new class of winners and grow the community. The event will kick off with a cocktail reception followed by the awards ceremony and a final toast to the women leaders of Greater New York.
About SmartCEO
SmartCEO’s mission is to educate and inspire the business community through its award-winning magazine, connections at C-level events and access to valuable online resources. SmartCEO’s integrated media platforms reach decision makers in the Baltimore, New York, Philadelphia and Washington, DC, metropolitan areas.
About the Brava! Awards
The Brava! Awards program celebrates female CEOs who combine their irrepressible entrepreneurial spirit with a passion for giving back to the community. Brava! Award winners are exemplary leaders of both their companies and their communities. They encourage local philanthropy, mentor up-and-coming leaders and set their companies on the path to tremendous growth. Each year, an independent committee of local business leaders selects winners based on the quality of applications submitted. SmartCEO shares their inspiring stories in the September/October issue of SmartCEO magazine and celebrates their success at an awards reception in September.
Complete Program Information:
2014 Brava! Awards
Date: Tuesday, September 23, 2014
Time: 6 p.m. – 9 p.m.
Location: Capitale
130 Bowery, New York, NY 10013
Attire: Business Cocktail
2014 New York Brava! Winners:
Wen Zhou, 3.1 Phillip Lim
Ann Gottlieb, Ann Gottlieb Associates
Dominique Debroux, Big Belli, LLC
Claudia Baricevic, Capitale
Susan L. Combs, PPACA, Combs & Co.
Elisabete Miranda, CQ fluency
Samantha DiGennaro, DiGennaro Communications
Cheryl Ann Lawrence McDaniel, Direct Success Inc.
Jennifer N. Nevins, DW Smith Associates, LLC
Susan Lindner, Emerging Media
Erika Weinstein, eTeam Executive Search LLC
Amanda Judge, Faire Collection
Hilda Polanco, Fiscal Management Associates
Stacy Francis, Francis Financial, Inc.
Maureen Henegan, Henegan Construction Co., Inc.
Marilyn Kane, Iridium Capital LLC
Julie B. Kampf, JBK Associates
Lynne S. Katzmann, Juniper Communities
Karen Gurl-Martell, KGM Consulting, Inc.
Gwen Whiting and Lindsey J. Boyd, The Laundress New York
Jil Larsen, Magic Mix Juicery
Robyn Streisand, The Mixx
Dr. Robin Smith, Neostem
Cheryl Biron, One Horn Transportation
Denise Mari, Organic Avenue and Mari Lifestyle
Joanna Phillips, Phillips Brokerage
Jill Scalisi, Scalisi Skincare
Jennifer Blumin, Skylight Group
Lori Leitgeb, Stack Builders
Mary Nittolo, The STUDIO
Sarah Endline, Sweet Riot
Leslie A. Firtell, Tower Legal Solutions
Liz Elting, TransPerfect
Nadine Cino, Tyga Box
Susan White Morrissey, White and Warren
Nonprofit Winners
Saranne Rothberg, ComedyCures Foundation
Gail A. Magaliff, FEGS Health & Human Services
Ruth Rathblott, Harlem Educational Activities Fund (HEAF)
Carol Robles-Román, Legal Momentum
Marsha Firestone, Ph.D., Women Presidents’ Organization
To find out more about the 2015 Brava! Awards nomination process, email us at NYprograms@smartceo.com. For information about sponsorship opportunities, email us at NewYork@smartceo.com.
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Filed under: Best Rising Star, Exciting News, Health Insurance, Motivational, National Underwriter Industry Elite Awards, Susan L Combs | Tags: Best Rising Star, National Underwriter Industry Elite Awards, Susan L Combs
This year’s nominations for the National Underwriter Industry Elite Awards were stronger than ever, a who’s who of the best and brightest in the realms of market innovation, industry awareness, community outreach and young talent. Our winners and honorable mentions this year stand out for their leadership, drive and brilliance that only the Industry Elites can offer. It was an especially difficult selection process as each and every entry stood with great merit. But alas, only one can be chosen. With that, we present to you the 2014 National Underwriter Industry Elite Awards.
To read the full write up on the award, click here!

