A Kaiser Family Foundation study found that retiree health benefits supplement Medicare for approximately 15 million Medicare beneficiaries and provide primary coverage for more than two million pre-65 retirees. However, the portion of employers that offer retiree health benefits is dropping yearly. If you can’t rely on employer-provided retiree benefits, how will you cover your...
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Income Protection Insurance
What is your most valuable asset? Your home? Its contents? For most working individuals, their ability to earn an income is worth far more than these physical assets. You insure your home. Do you also have income protection insurance? Why not cover your most valuable asset — your ability to earn an income? According to...
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Six Advantages of Single-Premium Life Insurance
Single-premium life insurance offers individuals another option for tax-advantaged savings. Ordinarily, when you buy life insurance, you pay a premium every month, quarter or year for as long as you keep the policy in force. But single-premium life insurance works just like it sounds—you pay a premium just once. How does that work, and why...
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Health Insurance 2015: Time’s Running Out!
If you have an individual health insurance plan—or if you lack health insurance altogether — you have limited time to change your plan or enroll in a new one for 2015. Here’s what you need to know. Coverage under all non-grandfathered 2014 health plans will end on December 31. All plans bought through the federal...
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How To Close Your Health Insurance Benefits Gap
In the past ten years, employers have faced skyrocketing costs for their employee health plans. If you have employer-sponsored health coverage, your share of costs has probably risen as a result. According to the Kaiser Family Foundation’s 2014 Employer Health Benefits Survey, premiums under group health insurance plans have increased an average of 69 percent...
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How to Find Inexpensive Vision Insurance
If you don’t have employer-provided vision benefits, here’s how to find inexpensive vision insurance in the individual market…and why you should. How important is vision insurance? An estimated 11 million Americans have uncorrected vision problems, reports the Vision Council of America (VCA). These range from refractive errors (near- or far-sightedness) to sight-threatening diseases such as...
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How to Ace Your Life Insurance Exam
Although you have no control over your personal characteristics and certain health factors, you can take steps to make your life insurance application stronger by improving the conditions in which your insurance exam is administered. Ace your life insurance exam with these tips: If you need a paramedical exam, schedule it for the morning. Blood...
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What to Expect When You Apply for Life Insurance
Getting life insurance through a group plan is easy. Just being a member of the group qualifies you for at least a minimum limit policy. If you want higher amounts of coverage, though, you will probably need an individual policy. Here’s what to expect when you apply for life insurance on the individual market. Individual...
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Original Medicare vs Medicare Advantage Part 2
In a previous article on Medicare vs. Medicare Advantage, we discussed some of the differences between original Medicare and private Medicare Advantage insurance plans. In this issue, we’ll discuss the cost differences between these plans. To figure your total costs under original Medicare, add up the following: Part A premiums. Free for most people who...
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Annuities: The DIY Pension Plan
In 1980, 38 percent of private industry workers had a defined benefit pension plan. By 2011, that percentage had dropped to only 14.7 percent. The rest will have to live their retirement on Social Security and their own savings. Your parents or grandparents might have relied on an employer’s pension to fund a comfortable retirement....
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