Your paycheck is very important! Your family depends on it in order to pay bills, buy groceries, and have a comfortable life. If you, or your spouse, suddenly became unable to work, how would your family survive? One thing that can help is disability income insurance coverage. Did you know that May is Disability Insurance Awareness Month? Now is a good time to learn more about a type of insurance that many people know very little about. There are two types of disability insurance. One comes from the federal government, and the other is something that you can purchase through … Continue reading →

Are your pets covered by a good pet insurance policy? In some ways, a pet insurance plan is similar to a health insurance plan for humans. It can cover the medical bills that come from the health care that your pet requires. A website called Pet Insurance Quotes makes it easy for you to find a great pet insurance plan. According to the BBC, the amount of money that people spend on their pets has been increasing, even during the years when unemployment was high. Around 65% of the total amount spent on pets is for food and veterinary costs. … Continue reading →

It is never too early to plan for your retirement. Most people are aware that health care costs are high, but, not everyone understands that a person’s health care expenses tend to increase after retirement. Health insurance can help with some of those costs. There are other things that can help as well. According to calculations done by Fidelity Investments, a 65-year-old couple who retires in 2012 is estimated to need around $240,000 to cover their medical expenses throughout their retirement. That is a lot of money! This total amount has increased by 4% since last year, and it has … Continue reading →

Young adults who have just graduated from college are in a period of transition. It takes time to figure everything out from where to find employment to what you need to properly stock a kitchen. Most new graduates don’t think much about insurance. However, there are several different types of insurance that young adults, who are just starting out, will need. It can be difficult to make the transition between being a college student and starting out in “the real world” as an independent adult. There are many decisions that need to be made about all aspects of life. It … Continue reading →

Shortly after I got approved for health insurance, I received a big, fat, booklet of information from my health insurance company. This something that I should look over very carefully, in order to learn more about the plan I purchased. Here is a little bit of the interesting things I found in my new health insurance booklet. The very first page of this booklet shows some important information. It has my name and address. It shows my health insurance policy number, and the date that this plan became effective. It specifically states that the plan is called “ClearProtection Plus 1000”. … Continue reading →

Recently, my husband and I visited with an insurance broker. Our purpose for being there was to find an affordable health insurance plan for me. My insurance broker was extremely helpful! Before I visited with her, I didn’t know much about what insurance brokers do. Here is what I have learned. I picked up this pamphlet that was created by the National Association of Health Underwriters, (NAHU). The NAHU is a group that represents more than 100,000 licensed health insurance agents, brokers, consultants, and benefit professionals, across the United States. One of NAHU’s primary goals is to do everything they … Continue reading →

Health insurance plans are very specific about what types of medications they will cover. Generic medications cost less than the name brand version of the drug will cost. Lexapro recently became available as a generic. This can help people to save money on their health care needs. Lexapro is a prescription medication that is used to treat depression. It is an antidepressant. It is part of a category of drugs that are called selective serotonin reuptake inhibitors (SSRIs). Lexapro is the name brand of this particular drug. In addition to depression, Lexapro is also used to treat anxiety in adults, … Continue reading →

Are your dogs and cats covered by a pet insurance plan? There are some pet owners who love their “fur babies” so much that they will hold off on buying themselves a health insurance plan in order to be able to afford to get pet insurance. Depending on your budget, pet insurance might be a bit expensive, but, many pet owners feel that is it very much worth the cost. Around one million pets are insured in North America. This equates to about 1% of the population of pets in the United States. Who buys pet insurance? According to Kristen … Continue reading →

No one likes to fill out tax forms, but it is something that every American will have to do in just a few months time. We all know that the money we made from working at our places of employment is something that we will be paying taxes on. What if you were getting unemployment insurance benefits? Unfortunately, those are taxable, too. When you go to fill out your federal income tax forms, and your state income tax forms, you probably know that the money you earned while working will be included somewhere in those important pieces of paper. This … Continue reading →

Did you know that the ASPCA sells pet insurance? They have a wealth of information on their website that will teach you all about what pet insurance is for, why you need it, and more. If you have questions about pet insurance, you can probably find the answer somewhere on the ASPCA website. The American Society for the Prevention of Cruelty to Animals (ASPCA) was the very first humane society that was established in the United States. They were founded in 1866 by Henry Bergh. They have a program called ASPCA Mission: Orange which works toward ending the unnecessary euthanasia … Continue reading →