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  • 1. Saving money on health care
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    Terms of Use: It's estimated that each year on average Americans spend roughly $8,000 per person on health care. Without putting your health on the line, it's good to know where you can reduce medical costs: 1. Generic drugs: Always ask whether the prescription drug your doctor recommends is available in a generic form. Generic drugs can cost 15-50 percent less than name brands, saving you and your insurance company money. 2. Avoid unnecessary tests and visits . If you move or change docto  More...
  • 2. What steps can I take to lower my homeowners insurance?
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    Terms of Use: 1. BE SURE TO SHOP AROUND. It'll take a few phone calls, but they could save you a good sum of money. Ask your friends, check the yellow pages or call your state insurance department. Also check consumer guides, insurance agents and companies. This will give you an idea of price ranges and tell you which companies or agents have the lowest prices. But don't consider price alone. The insurer you select should offer both a fair price and excellent service. Quality service may co  More...
  • 3. How does Social Security define what is considered to be disabled?
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    Terms of Use The definition of disability in the Social Security law is a strict one. To be eligible for benefits, a person must be unable to do any kind of substantial gainful work because of a physical or mental impairment (or a combination of impairments), which is expected either: to last at least 12 months, or to end in death. If, because of a medical condition, a person cannot do the work that they performed in the past, then age, education, and past work experience must be considere  More...
  • 4. What are my primary options for receiving benefits if I become disabled?
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    Terms of Use: You have 4 primary sources providing disability coverage: Through your employer . Some states require that employers of a certain size provide some form of disability insurance to all employees. Through an insurance company that you buy directly yourself . Lots of insurance companies offer disability insurance. Through Social Security . Most salaried workers in the United States participate in the federal government’s Social Security program. Social Security is best  More...
  • 5. What are health savings accounts?
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    Terms of Use: A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care. HSAs enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis. You must be covered by a High Deductible Health Plan (HDHP) to be able to take advantage of HSAs. An HDHP generally costs less than what traditional health care coverage co  More...
  • 6. What things should I consider when selecting an insurance company?
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    Terms of Use: About 1,700 companies in the United States sell life insurance. While some consumers prefer to buy policies directly from a company, most people buy life insurance through agents or brokers. Before purchasing a policy, check the company's financial condition. Make sure that the company you buy from is financially stable so you know they will be around to pay any claims. The following companies rate insurance company strength: A.M. Best Company, Inc. Ambest Rd. Oldwick, NJ 088  More...
  • 7. Choosing a health plan
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    Terms of Use: Health care in America is changing rapidly. Twenty-five years ago, most people in the United States had indemnity insurance coverage. A person with indemnity insurance could go to any doctor, hospital, or other provider (which would bill for each service given), and the insurance and the patient would each pay part of the bill. But today, more than half of all Americans who have health insurance are enrolled in some kind of managed care plan, an organized way of both providing   More...
  • 8. What is long-term care insurance and how is it different from disability insurance?
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    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 wi  More...
  • 9. What things can I do to reduce my auto insurance costs?
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    Terms of Use: You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverages you request and the kind of car you drive. Listed below are a number of things you can do right now to lower your insurance costs. 1. COMPARISON SHOP . Prices for the same coverage can vary by hundreds of dollars, so it pays to shop around. Ask your friends, check the yellow pages or call your state insurance   More...
  • 10. When can an insurance company consider my vehicle to be totaled and how is the market value determined?
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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...
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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