Supplemental health insurance can cover out-of-pocket expenses that your regular health insurance plan does not cover. Many older adults purchase this type of plan when they go on Medicare. Younger individuals may also consider supplemental health coverage to pay for deductibles, co-pays, coinsurance, and other expenses that may arise in
When you have children, it is more important than ever to have life insurance. You want to provide for them in case something should happen to you. Death benefits from a life insurance policy could cover the mortgage payments, pay for your child’s college education, and help support your family.
Today is National Senior Citizens Day. Every year on August 21, the day is set aside to honor the older adults in our lives. President Ronald Regan proclaimed this holiday in 1988 to raise awareness of issues affecting seniors and their quality of life. Many senior citizens today continue in
Employee lawsuits against employers are on the rise. Employment practices liability insurance (EPLI) is coverage to protect your business against employee claims that their rights have been violated. Some insurers will provide this coverage as a Business Owners Policy (BOP) endorsement, while others offer it as stand-alone insurance. What Does
Originally, motorsports in America were mainly about motocross, NASCAR, or drag racing. Today, they often involve motorcycles or all-terrain vehicles (ATVs). August is Motorsports Awareness month in the U.S. This is a time for promoting the enjoyment of motorsports and for educating people regarding safety. It is also an excellent
Fantasy football kicks off on September 9. This popular activity can actually be good for your employees’ mental health. It promotes camaraderie and healthy competition and develops critical thinking, decision-making, and leadership skills. It has also been found to increase productivity and co-worker engagement. If you would like to start
With the high cost of healthcare today, we all need health insurance. Freelancers and gig workers do not have the benefit of an employer-sponsored group health plan, but they can still purchase health insurance to help cover their medical expenses. The following are some possible options. The Marketplace Individual health
It may seem like a no-brainer to let your life insurance policy lapse or cash it in after you retire. After all, the main purpose of life insurance is to protect your family against the loss of your income should anything happen to you. Actually, life insurance is good for
If you have been diagnosed with cancer, you probably know that treatment costs are high. This is why it is important to carefully consider your options under Medicare. Original Medicare Medicare coverage is divided into parts. Part A covers inpatient care (hospitalization). Part B covers outpatient care, such as doctor
Data breaches are becoming increasingly more common, particularly for small businesses. Cyber attacks are a means for hackers to collect personal information for fraudulent purposes. Small businesses may have budget and staffing limitations that make them more vulnerable to attack. Fortunately, there are steps you can take to protect your
