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Most workers expect to receive Social Security benefits when they retire—and if they’ve earned at least 40
Social Security credits during their career, they will. What they may not expect is the additional benefit their spouse can receive as a result. Consider these often surprising facts about the lesser-known social security spousal benefit program.

Your spouse can get spousal benefits even if he or she has never worked. Because the benefits are based on your work history, it’s not necessary for your husband or wife to have accumulated any Social Security credits to receive them. This is important for single-earner families, a category that was much larger back when the Social Security program was established than it is today.



Recasting—also known as re-amortizing—is a little-used option homeowners have for reducing their monthly mortgage payments. Unlike a refinance, the loan term and interest remains unchanged by the recast. However, when they’re applied to the newly reduced principal, the amount required each month to satisfy the loan by the end of its term is lower.

You must make a lump sum payment to reduce your loan balance and request a recast. While the amount required varies depending on your lender, it could be as much as 10 percent of your remaining mortgage balance. The fees, however, are likely to be lower than those required for refinancing are—as low as $250 in some cases.



Annually, the Cystic Fibrosis Foundation Honors
New Haven’s Finest, professionals from around New Haven County who are making a positive impact on their communities through success in their industry and by displaying leadership skills in their circles of influence.  This year’s finale event, inclusive of a cocktail party, fashion show, hors d’oeuvres and buffet, music, and auction will be held on Friday, July 29 from 7-11 pm at The Country House in New Haven.

As one of the Honorees and fashion show participants, Carmine Montuori, Vice President at V.F. McNeil Insurance, will use his professional skills to help raise money for the Cystic Fibrosis Foundation.  The mission of the Cystic Fibrosis Foundation is to cure Cystic Fibrosis (CF), a life-threatening genetic disease that affects 30,000 children and adults in the United States, and to provide all people with CF the opportunity to lead full, productive lives by funding research and drug development, promoting individualized treatment, and ensuring access to high-quality, specialized care.

“In accepting this distinction, I have committed to raise money to help the Foundation achieve its mission of controlling and curing Cystic Fibrosis.  I’m honored and excited to be part of something so important,” stated Montuori in a brief interview.

“We’re incredibly proud of Carmine’s nomination and his commitment to such a significant cause.  It will be an honor to help him reach his goal,” commented Daniel McNamara, President of V.F. McNeil Insurance.

To learn more about how you can help Carmine support the mission of controlling and curing Cystic Fibrosis, please visit Carmine Montuori’s New Haven’s Finest 2016 page.



If you’re a construction business owner, you know you need to have insurance in place to protect you from financial loss associated with construction projects. While many companies still go the traditional route—requiring each party to purchase their own policy—some are switching to an alternative method of risk management.

Known as a “wrap-up” or consolidated program, this approach allows the project owner to purchase a single policy to cover everyone involved—from the owner and construction manager to the general contractor and subcontractors.  Wrap-up policies typically provide coverage for general liability, builder’s risk and workers’ compensation in addition to other features based on the type of project.