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Answers to Insurance Questions
The Top 3 Reasons to Buy Disability Insurance
Top reasons why getting Disability Insurance is important when you are young
Read MoreWhat are the Differences Between Short and Long Term Disability Insurance?
If you’re looking for insurance to protect your income, the first decision you have to make is what type of insurance you need Disability insurance is a type of policy that provides an income in the event you become sick or injured and cannot work. The decision on whether you buy short-term disability insurance or long-term disability insurance will depend on what you’re trying to protect. Short Term Disability Insurance (STD) Short-term disability insurance is…
Read MoreWhy “Own Occupation” Disability Insurance is Important
What is Own Occupation Disability Insurance? You may have heard that if you’re looking for disability insurance, you should be looking for “own occupation” coverage. In the past 20 years of working with clients to protect their income, I’ve heard it called “owner-occupation”, “owner-occupied”, “own-occ,” and a variety of other derivatives of the correct terminology “own occupation,” but the basic concept is that it’s a type of disability insurance that pays if you can’t do…
Read MoreDisability Insurance Basics
If you rely on your income, you need to protect it with a good disability insurance policy. Many people take this for granted, but consider the economic impact you have to your family: Annual salary: $50,000 Age: 35 Retire at age: 65 Earned income over 30 working years: $1,500,000 Do you have anything else in your possession that’s worth over $1,5000,000? If you did, wouldn’t you insure it against loss? That’s what disability insurance does…
Read MoreShort Term Disability Insurance and Pregnancy
We get many request for short term disability insurance to cover maternity leave. Most of these requests are from women who have left a large employer, or are no longer working full-time, and are therefore not covered under a group short term disability policy (STD). They’re either already pregnant or considering becoming pregnant, and are looking for some disability coverage to provide income while out of work and on maternity leave. Unfortunately, normal child birth…
Read MoreA Proposed Personal Healthcare Safety Net Medicaid Fix
Thirty-two states, including the District of Columbia, have chosen to expand their Medicaid programs under the Affordable Care Act (ACA). Medicaid is already placing a severe financial strain on state budgets, and the program has a proven track record of failing to provide cost-effective and efficient care for those in need. Congress is now considering several plans to replace the Affordable Care Act, with no clear choice yet available. A new option recently proposed by…
Read MoreInsurers Pummeled By Tough Season for Hail, Tornadoes and Ice Storms
The first quarter of 2017 proved particularly rough on homeowners and property and casualty insurers. They were all hit with some seriously expensive losses thanks to hail, tornadoes and ice to the tune of more than a third of a billion dollars. First-quarter underwriting results for Travelers Cos. worsened year-over-year as catastrophe costs jumped 9 percent to $347 million, while Allstate Corp. and others also reported the effects of storm-related claims ahead of their earnings…
Read MoreStudy Says Medicaid Block Grants Could Save $150 Billion
Transitioning Medicaid from an unlimited entitlement program to limited block grants could save U.S. taxpayers more than $100 billion, or $803 per household, over the next five years, according to a study from the healthcare innovation research company Avalere. Block grants of fixed amounts to states would save $150 billion by 2022, the February analysis found. A per-capita block grant, which would increase or decrease with enrollment, would cut federal spending by $110 billion. In…
Read MoreVHA Medical Facilities In Two States Accused of Manipulating Records
Veterans Health Administration (VHA) medical facilities in North Carolina and Virginia fail to provide veterans with health care within 30 days of patient requests in more than one-third of all cases, according to an audit conducted by the Department of Veterans Affairs’ (VA) Office of Inspector General (OIG). Staff members create false records to hide the delays, the study reported. VA Secretary David Shulkin disputed the conclusions of the report. Approximately 36 percent of veterans…
Read MoreFeatured
Oct 30, 2019
LA County residents forced to evacuate could tap insurance for cost reimbursement
LOS ANGELES, Calif. — Thousands of residents from Los Angeles
Health
Mar 17, 2020
The Essentials of Long-Term Care Insurance
When you’re young, long-term care insurance is not something
