insurance
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Understanding Medical Deductibles: What Happens if You Don't Meet It?
Many health plans don't pay benefits until your medical bills reach a specified amount, called a deductible. This could be $1,000, $2,000 or even more, depending on the type of plan you choose. If
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Understanding Coordination of Benefits for Dual Dental Insurance
When you have two dental insurance plans, both insurers work together to determine your coverage and who pays for what. The formal process of sorting out your double coverage is called coordination of
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Insuring Property You Don't Own: Legality & When It's Permitted
Adequate insurance is especially important for your most valuable property. Your home, car and valuables would be difficult, if not impossible, to replace if you were left to pay the full cost on your
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Affidavit of No Other Insurance: Definition & Purpose
An affidavit of no insurance is a written statement made by a person verifying that he does not have liability insurance covering a claim or lawsuit filed against him for injuries or property damage.
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Understanding Insurance Waivers: Liability Release & Coverage Options
A waiver is a legal form or document that releases someone, or some organization, from liability. Insurance waivers usually are offered to, or requested to be signed by, individuals by organizations o
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HMO vs. PPO: Understanding the Difference and Switching
An HMO, or health maintenance organization, is an insurance plan that requires you to declare a primary physician who you will see for any and all ailments. The primary you choose will decide what sor
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Understanding Insurance Exposure Units: A Comprehensive Guide
In the world of insurance, many commonplace words take on different, more specific or technical meanings. This is true of the term "exposure." Exposure in insurance can refer to either expos
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Financial Assistance for Premature Baby Families | Preemie Parents Foundation
Babies born before the 37th week of pregnancy are at higher risk of having birth-related complications and long-term health problems, according to the American Pregnancy Association. As a result, the
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Understanding Material Facts in Insurance: A Comprehensive Guide
In life, things do not always go as planned. People get injured, pipes burst and sometimes drivers don't pay attention. When life presents you with these types of situations, it is important to kn
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Mid-Year HSA Contribution Changes: Options & Considerations
Setting up a health savings account gives you the ability to pay for eligible medical expenses on a tax-advantaged basis. If your employer offers a high deductible health plan, you can save money on p
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Social Security Benefits for Spouses Caring for a Disabled Partner
You are entitled to Social Security benefits while staying home with your disabled wife if she is receiving disability payments herself. The Social Security Administration pays benefits to you based o
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MassHealth Income Requirements: What Counts?
MassHealth is the name for the Massachusetts Medicaid program that offers free or low-cost healthcare or health insurance to low and moderate-income households within the state. Eligibility for MassHe
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Disability Insurance & Retirement: What Happens After Age 65?
Disability insurance pays you a partial amount of your regular wages if you become disabled and are unable to work. Monthly benefits usually last for a specific number of years or until you turn age 6
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Understanding Primary & Secondary Health Insurance: Coordination of Benefits
When someone has health insurance coverage under two different policies, one is the primary insurance policy and the other is secondary. Both insurers follow rules for coordination of benefits to dete
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Understanding Experience Ratings in Health Insurance
Health insurance providers use a rating system to calculate the prices they'll charge for their insurance. Ratings systems such as "experience rating," "community rating" and &
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Globe Life Payment Options & Customer Service: A Comprehensive Guide
Globe Life Insurance Company started out as the Liberty National Life Insurance Company. It was founded in 1990 in Alabama as part of a fraternal order known as the Heralds of Liberty. It was later ac
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Variable Life Insurance Regulation: Who Oversees It?
Buying variable life insurance is like buying an investment and life insurance all in one contract. Because of this, variable life insurance is regulated differently than other fixed life insurance po
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Florida Boat Insurance: Is It Required?
You can cruise into trouble in Florida without any insurance on your boat to cover property damage or injuries. Florida law doesn't make insurance mandatory for recreational boats as of 2011. Even
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Understanding Guaranteed Coverage: What Does 'Bound' Mean in Insurance?
There are many times in a person's life when he may need insurance of one kind or another. The most common types of insurance are health, automobile and life. There are specific qualifications tha
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Social Security SSI and Funeral Costs: What You Need to Know
Supplemental Security Income assists those with limited means and resources. Its purpose is to provide for the recipient's basic needs, but it does not pay for funeral expenses. Social Security pa
insurance
- GoodRx: Understand Prescription Drug Prices & Save Money
- Wholesale vs. Retail Insurance Agencies: Understanding the Differences
- Life Insurance Beneficiary: Choosing the Right Recipient
- COBRA Eligibility After Quitting: Your Rights & Options
- Illinois Workers' Compensation Settlement Calculator: Understand Your Claim
- Copays and Deductibles: Do Copays Count?
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Protect Your Finances: Recession-Proof Your SavingsPut Money in a Safe Place During a Recession When the economy looks like it's about to collapse and you have money in the bank, then you might start to panic. The banking system is fallin...
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Litecoin Halving: What BTC's Event Reveals & Price PredictionsThe Litecoin (LTC) halving is 3 days away. In many ways this can be seen as a test of what might with BTC halving. So far what we have seen in terms of price is the market rally for months up unt...
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Disability Insurance: Protecting Your Income & Financial FutureThe word “disability” may conjure images of wheelchairs, hospital beds, and around-the-clock nursing care. In reality, any illness or injury serious enough to keep you out of work can qualify as a dis...
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Federal Assistance for Storm Shelters: Funding & ResourcesLarge thunderstorm over small town According to the Federal Emergency Management Agency, the average cost to construct an 8- by 8- by 8-foot safe room with a wood frame and plywood and steel ...