individual health insurance

Why Your Group LTD at Work Isn’t Enough

By Debbie Klimas
Why Your Group LTD at Work Isn’t Enough

Many employers provide their employees with group long term disability insurance (LTD). While this is a nice benefit for employees, you should be aware of the pitfalls inherent in group LTD plans and how to shore those up. There are major differences between group and individual disability insurance plans, and a combination of the two usually provides the most comprehensive and cost effective coverage. Since your income is the most valuable tool you have for…

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Health Insurance Basics

By Debbie Klimas
Health Insurance Basics

Like every other insurance plan out there (auto, homeowners, disability), there is no “one size fits all” model. Instead, the differences lie in the size of the premiums, and how restrictive the plan is with regards to the consumer’s choice of doctor.

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Options for health insurance coverage after a job loss

By Bill Hupp
Options for health insurance coverage after a job loss

Losing one’s job can be a cataclysmic event for so many reasons. A primary source of stress comes from trepidation about where to find affordable health insurance coverage for yourself and your family.

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