How Chemists Should Evaluate Their Insurance Benefits – Don’t Only Rely on your Employer

How Chemists Should Evaluate Their Insurance Benefits – Don’t Only Rely on your Employer

Professional Growth

“How Chemists Should Evaluate Their Insurance Benefits — Don’t Only Rely on your Employer” A short presentation followed by Q&A with speakers Richard Howe (Commonwealth Advantage, LLC) and Joan VanGelderen (Pearl Insurance).


We do not like to think of catastrophic situations. But just like you have been trained to plan experiments that can go awry, when was the last time you planned your financial coverage? Company-paid life insurance can be a benefit, but even the most liberal policies include limitations, exclusions and reductions. Take an hour to learn how to plan and protect you and your family so that they’ll be safe financially. You’ll be glad you planned for this!
What is the most dangerous chemistry profession?

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What You Will Learn

  • How to evaluate your company-paid disability income insurance and determine if it will provide the maximum protection
  • How to calculate your life insurance income replacement needs
  • How to evaluate your existing coverage to determine if you and your dependents are adequately covered
  • How your insurance coverage will be affected if you change jobs.
  • And much more…

Webinar Details

Date: Thursday, September 22, 2011

Time: 2:00-3:00 pm ET

Fee: Free
Meet Your Experts

Richard Howe began his career in the insurance industry and later established Hamilton Howe Insurance Agency which provided hundreds of business clients with group health, dental, disability and life insurance. In 2010, he partnered with Jack McIntosh to form Commonwealth Advantage, a group benefits consulting firm which specializes in the design, implementation and monitoring of comprehensive group benefits plans. He has served as director of claims services for a major insurance carrier as well as on committees for compliance and product development.

Joan VanGelderen has over 30 years of experience in the insurance industry. She served as VP of Affinity Marketing and Operations for Unitrin Direct Insurance and VP of Affinity Sales and Marketing for Nationwide Insurance, in addition to roles with Metlife, Citizens Insurance Company of America, Diversified Insurance, EVE Insurance, and State Farm Insurance. She has a full understanding of the life and health products ACS Member Insurance offers, as well as product development, underwriting, claims, technology, partnership programs, sales, and marketing.
Meet the Moderator

Dr. Breazeale retired from higher education in the State of South Carolina after 30+ years.  A long-time member of the American Chemical Society, Jack has served on numerous committees including the National Chemistry Week Task Force, the Committee on Chemical Safety and the Committee on Committees.  He is currently CFenselauhair of the Board of Trustees for the ACS Member Insurance Program and Chair of the Committee on Nomination and Elections.  Professional activities continue in the area of laboratory safety currently serving on the Board of Directors of the Laboratory Safety Institute and as an Instructor in LSI Safety Workshops.



This episode of ACS Webinar is sponsored by the ACS Member Insurance Program. Learn more about insurance services available at


The Fine Print

ACS Webinars™ does not endorse any products or services. The views expressed in this presentation are those of the presenters and do not necessarily reflect the views or policies of the American Chemical Society.


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