Impact of Disability
While most Americans insure their lives and physical possessions such as their homes, cards, etc., many overlook the need to protect their most valuable asset – the ability to earn…
Choosing LTC
Assessing the need for long-term care (LTC) is an important part of any risk management program. The heavy economic burden of paying for such care should be measured against your…
Who Makes Medical Decisions When I Cannot?
Today's advanced medical technology allows physicians to keep a person "alive" in situations that formerly would have resulted in death. Individuals who do not wish their lives to be prolonged…
Medical Saving Accounts
In the late 90s/early 2000s did you open a Medical Savings Account (MSA)? This savings account was available to employees of small businesses and self-employed individuals, and was designed to…
The Need for Health Insurance
Most of us would agree that good health is an extremely valuable attribute. Even the healthiest among us need some medical care. Regular physician and dental visits are a normal…
Planning for the “Sandwich” Generation
Even under the best of circumstances, planning your financial life can be complicated. Pursuing a career, raising a family, saving for college, and providing for your own retirement all take…
Business Responsibilities Under the PPACA
PPACA stands for the Patient Protection and Affordable Care Act which has several goals, including increasing access to health insurance coverage, expanding federal private health insurance market requirements, and providing…
Health Reimbursement How it Works
A Health Reimbursement Arrangement is an arrangement in which an employer reimburses an employee for qualifying medical expenses. If IRS requirements are met, the reimbursements are income tax-free to the…
Group Disability
Group Disability covers a number of people linked in some way, such as through an employer, trade association, or a school. Benefits are paid to replace earnings lost due to…
Life Policies with LTC Combo Policies
LTC, or long term care, is minimally covered by Medicare.