Many business owners overlook the need for health insurance. They sometimes look at the cost of health insurance premiums and decide they would rather spend that money elsewhere in the business. What these business owners dont always consider is what would happen if they are not physically able to work and run the business. They overlook the importance of having health insurance in lieu of having cash available to spend on other projects such as...more
Are you planning your retirement, and unsure about how well Medicare will be able to cover your health care costs? Many senior citizens in the United States fail to investigate their options when it comes to Medicare coverage until it's too late, and then they feel rushed to simply pick a plan so that they won't have to pay out of pocket costs. Those who start the investigation early soon learn that Medicare alone won't cover everything, so they...more
Whether you left your job voluntarily or got ejected out due to the economy, maintaining health insurance coverage for you and your family should be one of your top concerns. Even if you are flat broke, you cannot afford to go without health care coverage. All it will take is one nasty flu season or a serious accident to make a bad situation even worse. Choosing the best type of insurance for your family is just as important as deciding to keep it. Is it better to sign up for COBRA or should you go ahead and buy individual health insurance?COBRA requires employers to allow you to stay on their health coverage for up to 18 months after you have stopped working for them. For most families, this coverage acts as a safety net that covers them until they are able to sign up for different coverage. Individual health insurance, on the other hand, is private insurance that you purchase directly from the insurance company. As long as you keep paying the premiums, you will always be covered whether you are employed or not.It is hard to say if individual health insurance is better than COBRA, or vice versa, because each person's situation is unique and both types of insurance have benefits...more
When shopping for short term health insurance policies, there are four simple methods that an individual should consider. These methods involve checking with your state's insurance commission to receive a list of approved insurance providers for your state. Another method involves contacting companies that you know are offering...more
With so many insurance companies in the United States today, choosing the one that suits best your needs can be a puzzling decision to make. So once you have decided to buy an insurance policy, how do know if the insurance provider is the right one. Below are some tips aimed to guide you through the process:Do your homework – it...more
When purchasing commercial vehicle insurance there are many different options to choose from, do you need breakdown insurance, towing insurance or windscreen insurance? These different commercial van insurance extra's will affect how much you pay for your insurance, and while you do want your insurance policy to be affordable you need proper protection for your transit vans and other commercial vehicles. That's why its important to read the insurance policy carefully, look at a variety of insurance policies and decide what is best for you and your company.The Types of Extra Commercial Vehicle InsuranceThere are a number of insurance policies that can be purchased alongside the three main policies of ‘Third Party Only', ‘Fire and Theft', and ‘Comprehensive'. These minor insurance policies depend on the insurance company but usually involve things such as 'towing insurance', 'windscreen repairs', additional 'auto-theft insurance', and 'breakdown insurance'.Towing Insurance can be used when your commercial van is towed for a parking violation or needs to be towed due to a breakdown. In most cases a regular insurance policy will not cover this fee unless the transit...more
When looking for auto insurance you are obviously going to want to get a good deal. While your priority will remain with the coverage that you get and finding a reputable provider, if you can get these at a lower rate then this would always be...more
Shopping for health insurance can be tricky since there are so many options and providers to choose from. The most important and general things that every insurance shopper should know are what types of coverage they want and how much...more
While our country is still facing one of the worst recessions that Americans have faced in years, the rate of uninsured individuals continues to rise. According to the Congressional Budget Office, there were over forty five million...more
Having an insurance policy in the name of every taxi that you own is extremely necessary because the government of the UK makes it mandatory. As per the Road Traffic Act implemented in 1988, any vehicle being driven on UK roads must have an insurance...more
For any private company that uses commercial vans, commercial insurance is one of the most important decisions that has to be made not only quickly but intelligently. The wrong van insurance choice could end up costing you thousands of...more
The comfort and security of knowing you can see a doctor whenever the flu strikes or when you've broken your leg on the ski slopes is a privilege that many take for granted. Whether you have to select health insurance through your job...more