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  • 1. When can an insurance company consider my vehicle to be totaled and how is the market value determined? Views: 43
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    Terms of Use: Your car will be considered to be totaled by the insurance company any time, usually when the costs to repair the vehicle exceeds the costs to replace it. If your vehicle is considered to be totaled, you can expect to receive the vehicle's market value. There are several standard guidelines for determining the market value of your car for insurance purposes. You and your insurer can refer to the Blue Book, which lists the depreciated value of all new and used cars. One Blue Book is  More...
  • 2. What does Medicare cover? Views: 27
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    Terms of Use: Listed below is general information on what is covered under Medicare Parts A and B. We have also included links to publications which contain detailed information on specific types of care (for example, prevention services and hospice care). Medicare Part A Medicare Part A (Hospital Insurance) helps cover your inpatient care in hospitals, critical access hospitals, and skilled nursing facilities. It also covers hospice care and some home health care. You must meet certain conditio  More...
  • 3. How much auto insurance do I need? Views: 27
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    Terms of Use: Almost every state requires you to buy a minimum amount of liability coverage. Chances are that you will need more liability insurance than the state requires because accidents cost more than the minimum limits defined by each state. If you’re found legally responsible for damages that are more than your insurance covers, you will have to pay the difference out of your own pocket. These costs could literally wipe you out financially! The Insurance Information Institute (I.I.I.) rec  More...
  • 4. Tell me more about life insurance Views: 25
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    Terms of Use Choosing a life insurance product is an important decision, but it can be complicated. As with any major purchase, it is important that you understand your needs and the options available to you. Why do I need life insurance? The main purpose of life insurance is to provide cash to your family after you die. The money your dependents will receive (the death benefit ) is an important financial resource: It can help pay the mortgage, run the household, end ensure that your depend  More...
  • 5. Where can I buy auto insurance? Views: 23
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    Terms of Use You can buy insurance through an insurance agent that represents one or more companies or directly through the insurance companies that sell policies using their own employees. Buying directly will generally not save you any money. When looking for an insurance agent or company, consult your state insurance department , the yellow pages of your phone book, and most importantly friends and relatives to find out who they have their insurance through and their level of satisfaction. S  More...
  • 6. Who is entitled to benefits under COBRA? Views: 23
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    Terms of Use There are 3 elements to qualifying for COBRA benefits. COBRA establishes specific criteria for plans, qualified beneficiaries, and qualifying events: Plan Coverage Group health plans for employers with 20 or more employees on more than 50 percent of its typical business days in the previous calendar year must provide COBRA continuation coverage. Both full and part-time employees are counted to determine whether a plan is subject to COBRA. Each part-time employee counts as a fracti  More...
  • 7. Does Medicare or Medicaid cover long-term care cost? Views: 22
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    Terms of Use: Medicare is a federal program that pays for health care for people over age 65 and for people under age 65 with disabilities. Many people assume Medicare will pay for their long-term care expenses, but in fact, Medicare only covers a small portion of the country's long-term care bill. It covers the cost of some skilled care in approved nursing homes or in your home, but only in certain situations. For example, for nursing facility care Medicare covers on average 20 days and n  More...
  • 8. Is a divorced spouse entitled to COBRA coverage from their former spouses’ group health plan? Views: 22
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    Terms of Use: Under COBRA, participants, covered spouses and dependent children may continue their plan coverage for a limited time when they would otherwise lose coverage due to a particular event, such as divorce (or legal separation). A covered employee’s spouse who would lose coverage due to a divorce may elect continuation coverage under the plan for a maximum of 36 months. A qualified beneficiary must notify the plan administrator of a qualifying event within 60 days after divorce or legal  More...
  • 9. What are the advantages and disadvantages of term insurance and permanent insurance (whole life, universal life, etc.)? Views: 22
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    Terms of Use: Term Insurance Advantages Initial premiums are generally much lower than those for permanent insurance, allowing you to buy higher levels of coverage at a younger age when the need for protection often is greatest. It's good for covering needs that will disappear in time, such as mortgages or car loans. You can lock in term rates for a specific period of time, usually between 1 and 20 years. Disadvantages Coverage may terminate at the end of the term or become too expensive to cont  More...
  • 10. What is Medicaid and what does it cover? Views: 21
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    Terms of Use: Medicaid is a jointly-funded, Federal-State health insurance program for certain low-income and needy people. It covers approximately 36 million individuals including children, the aged, blind, and/or disabled, and people who are eligible to receive federally assisted income maintenance payments. Most of your health care costs are covered if you have Medicare and you qualify for Medicaid. Medicaid programs vary from state to state. You will need to contact the State medical assista  More...
All information provided through this site is intended to be accurate. However, there may be inaccuracies from time to time which we will make every attempt to correct immediately. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional.

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