Terms of Use: Below we have identified what is generally covered by a standard homeowners policy, but you need to talk to your insurance agent to understand specifically what your policy covers and up to what amount. What's generally covered: Damage to both structures and personal property caused by: fire lightning windstorm (including hurricanes and tornadoes) or hail explosions riot or civil commotion aircraft and vehicles smoke theft or vandalism falling objects weight of ice, snow or sle  More...

Terms of Use Throughout a career, workers face multiple life events, job changes, or even job losses. The Consolidated Omnibus Budget Reconciliation Act (COBRA) of 1986 helps workers and their families maintain group health coverage during these transitions. Overview of the Law COBRA gives workers who lose their health benefits the right to choose to continue group health benefits provided by their plan under certain circumstances. This generally applies to group health plans maintained by e  More...

Terms of Use #insurance-legal-wrapper { width: 100%; margin: 0; padding: 0; line-height: 1.6; box-sizing: border-box; /* Font and color inherit from your website defaults */ } #insurance-legal-wrapper * { box-sizing: border-box; } #insurance-legal-wrapper h2 { color: inherit; margin: 0 0 15px 0; border-bottom: 2px solid #e74c3c; padding-bottom: 10px; font-size: 1.8em; } #insurance-legal-wrapper p { margin: 0 0 15px 0; } #insurance-legal-wrapper .alert-box { background-color: rgba(231, 76, 60  More...

Terms of Use #insurance-buying-wrapper { width: 100%; margin: 0; padding: 0; line-height: 1.6; box-sizing: border-box; /* Font and color inherit from your website defaults */ } #insurance-buying-wrapper * { box-sizing: border-box; } #insurance-buying-wrapper h2 { color: inherit; margin: 0 0 15px 0; border-bottom: 2px solid #34495e; padding-bottom: 10px; font-size: 1.8em; } #insurance-buying-wrapper h3 { color: inherit; margin: 25px 0 10px 0; font-size: 1.3em; } #insurance-buying-wrapper p { ma  More...

Terms of Use Navigating Social Security disability requires meeting two distinct sets of criteria. If you fail the Technical requirements, your claim is denied immediately, regardless of your medical condition. The Universal Medical Requirement The Social Security Administration (SSA) uses a strict definition of total disability. To qualify, you must prove: Duration: Your condition has lasted (or is expected to last) at least 12 months or result in death. Severity: You cannot perform the w  More...

Terms of Use Long-term Care Insurance Long-term care insurance is a protection plan that pays you a set amount when you can no longer live independently . It can help pay your nursing home costs, your assisted living costs, even your costs when you are disabled and confined to your home. Whenever you can't perform some of the essential activities of daily living - eating, bathing, getting out of bed, going to the bathroom, walking, dressing yourself, etc. - your long-term care insurance will  More...

Terms of Use Medicare Part D offers more protection than ever before. The donut hole coverage gap has been eliminated and replaced with a hard cap on what you pay for your medicine. $2,100 Annual Out of Pocket Cap: Once you reach this limit, you pay $0 for covered prescriptions for the rest of the year. Monthly Installments The new Prescription Payment Plan lets you spread your costs over the year instead of paying all at once. Standard Deductible The 2026 maximum annual deductible is $6  More...

Terms of Use #insurance-savings-guide-wrapper { width: 100%; margin: 0; padding: 0; /* Font and base color removed to inherit from your website defaults */ line-height: 1.6; box-sizing: border-box; } #insurance-savings-guide-wrapper * { box-sizing: border-box; } #insurance-savings-guide-wrapper h2 { color: inherit; margin: 0 0 15px 0; border-bottom: 2px solid #3498db; padding-bottom: 10px; font-size: 1.8em; } #insurance-savings-guide-wrapper h3 { color: inherit; margin: 30px 0 15px 0; font-s  More...

Terms of Use: What are the different types of life insurance? There are many kinds of insurance, but they generally fall into two categories: term insurance and permanent insurance. What is term insurance? Term insurance provides protection for a specific period of time. It pays a benefit only if you die during the term. Some term insurance policies can be renewed when you reach the end of the term -- which can be from one to 30 years. The premium rates increase at each renewal date. Many po  More...

Terms of Use #healthcare-savings-wrapper { width: 100%; margin: 0; padding: 0; line-height: 1.6; box-sizing: border-box; } #healthcare-savings-wrapper * { box-sizing: border-box; } #healthcare-savings-wrapper h2 { color: inherit; margin: 0 0 15px 0; border-bottom: 2px solid #27ae60; padding-bottom: 10px; font-size: 1.8em; } #healthcare-savings-wrapper .savings-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; margin: 25px 0; } #healthcare-savings-w  More...