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Need to Know: Financial Steps to Prepare for Disability

June 12, 2012 in Financial Services, Health, Health Care Reform, Health Insurance, Insurance, Medicaid, Medicare, Money, Retirement Planning, Social Security

Most people don’t think they’ll ever suffer a life-altering disability. However, a 20-year-old worker has about a three in 10 chance of suffering a disability before reaching retirement age, according to the Social Security Administration. As people’s age increases, so does the likelihood of a disability forcing them out of the labor market. The average ...
cobra

COBRA Insurance

September 10, 2009 in Health Insurance

The Consolidated Omnibus Reconciliation Act or COBRA, became law in 1986. COBRA gives individuals the right to choose to temporarily keep the group health insurance benefits that would otherwise be lose after an employee reduces their working hours, quits their job, or loses their job. It also lets family members choose to keep health insurance ...
life

Life Insurance

September 10, 2009 in Health Insurance

Life insurance is a typical insurance policy where by the requirement of a payout is the death of the policy holder, with the money going to the noted beneficiaries, usually the family of the decedent. It is a common form of policy taken out by those with family obligations. Like most insurance policies life insurance ...
visglass

Vision Insurance

September 10, 2009 in Health Insurance

Vision insurance is a form of insurance that provides coverage for the services rendered by eye care professionals such as ophthalmologists and optometrists. There are many vision insurance companies. The typical vision insurance plan provides yearly coverage for eye examinations and partial or full coverage eyeglasses, sunglasses, and contact lenses, with or without copays, depending ...
cdb

Dental Insurance

September 10, 2009 in Health Insurance

Dental insurance is insurance designed to pay a portion of the costs associated with dental care which help make procedures, equipment, and general care more affordable. This type of insurance is similar to many other forms of insurance. There are monthly or yearly premiums to obtain this insurance. The insurance carrier will pay for part ...
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Glossary of Term – Insurance

September 10, 2009 in Health Insurance, Medicaid, Medicare

Access: The ability to obtain healthcare services. Accountable health plan: This term is used to refer to managed competition, including the health plans that are authorized to offer the uniform benefits package. Administrative services only (ASO): Usually associated with self-funded groups, this is when an insurance company, HMO, or third-party administrator provides claims-processing services, but ...
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Individual Health Insurance

September 10, 2009 in Health Insurance

Many families today, are finding themselves having to go out, research and find individual health insurance for themselves or the entire family. The great news is that there are insurance carriers that offer several different individual health insurance plans.  Many offer the following plans. HMO PPO POS (Point of Service Plans. An HMO with an Out ...

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