If you want to change your Medicare coverage for next year, you must do it during the open enrollment period. To change your Medicare coverage to a Medicare Advantage (MA) plan, or to switch between MA plans, you must act between October 15 and December 7. Your new coverage will begin in 2015. If you’re...
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Your 2015 Health Insurance Planning Guide
Getting the best value for your insurance dollars requires a bit of research and decision making as we approach the 2015 health insurance open enrollment period. Keeping the following deadlines and figures in mind will help. Deadlines The open enrollment period for 2015 coverage in the individual health insurance market begins on November 15, 2014...
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Should You Buy Credit Card Insurance?
You open your credit card statement and find a “special offer” from your credit card issuer if you sign up for a “payment protection plan.” What do these plans cover, and do you need one? “Payment protection plan” is another name for credit insurance. You can buy four types of credit insurance: Credit life, which...
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What You Know about Disability Is Probably Wrong
As with many unpleasant things, people don’t like to think about becoming disabled. But the consequences of ignoring your risks could be serious. Take the following quiz to see how much you know about disability. A typical nonsmoking healthy female, age 35, has what percentage chance of becoming disabled for three months or more before...
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Health Insurance for College Students
Does Your Plan Make the Grade? The Affordable Care Act requires every non-institutionalized American citizen to have “essential minimum” health insurance, unless you qualify for an exemption. Being a college student does not count as an exemption! Here are things to consider if you have a child going away to college or boarding school. Student...
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How to File a Life Insurance Claim
If you are the beneficiary of a life insurance policy, how do you file a claim? First, you’ll need to obtain a copy of the death certificate. Most insurers will require a certified copy. You can get this from the funeral director. You’ll also need a claim form. Use the contact information on the life...
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Life Insurance: Not Your Father’s Investment
Many people think that when it comes to life insurance, they have only two choices: term or whole life. That’s not entirely true — today’s whole life insurance is a lot more flexible than your father’s life insurance policy. Read on to find out more about the different types of whole life insurance, and how...
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Old Life Insurance Policies — Trash or Treasure?
If you find an old life insurance policy stuffed away in the attic, you may be tempted to treat it like Confederate money. An interesting artifact, but practically worthless. But not so fast.You can file a claim on a life insurance policy many years after the insured has died. Unlike most other insurance policies, life...
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Protect Your Earning Ability with Disability Insurance
Disability can be more disastrous financially than death. If you are disabled, you lose your earning power, but you still have living expenses and often huge expenses for medical care. Disability insurance can help your family maintain its standard of living while you recover. Disabilities are more common than you might think. According to U.S....
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Can Medicaid Take Your Home?
The Medicaid expansion brought about by the Affordable Care Act could increase situations that would allow Medicaid to seize property of a deceased recipient to reimburse the cost of his/her care. Is your home vulnerable? Read on for details. The History Since the Medicaid program began in 1965, it has permitted states to recover costs...
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