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    Thumbnail image for Personal Accident Insurance for Children in Youth Sports
    By May 8, 2013

    Personal accident insurance is a great purchase for any family that has children playing any youth sports: baseball, football, soccer, basketball, cheerleading, track and field, etc. Accidents can happen to anyone at any time, but children playing in youth sports may increase the likelihood of unbudgeted medical expenses, and lost ...

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    Thumbnail image for Relief for Small Business Payroll Tax Obligations
    By March 8, 2013

    Employee-paid benefit programs provide both large and small businesses a legal way to get relief from payroll tax obligations. When employees elect to direct a portion of their pretax income towards qualifying expenses, employers enjoy payroll tax relief on those dollars. Payroll taxes can pile up quickly for a business. ...

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    Thumbnail image for Personal Accident Insurance versus Income Protection
    By March 7, 2013

    Personal accident insurance versus income protection is a very helpful comparison to make when deciding upon the best configuration of supplemental programs to purchase. It all comes down to matching program choices to needs, circumstances, and budgets. You may find that a stand-alone personal accident plan works best for you ...

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    Thumbnail image for Which is Better – Long or Short Term Disability Insurance?
    By February 12, 2013

    Which is better, long or short term disability insurance? A better question might be which combination of elimination period, benefit duration, and premium cost best fits your personal needs? Both policy types exist in the marketplace, and serve different needs and circumstances. When comparing short term versus long term disability ...

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    Thumbnail image for What Does Short Term Disability Insurance Cover?
    By January 16, 2013

    Confusion abounds around what short term disability insurance does and does not cover. Using an outline of coverage from a leading provider of employee paid short term disability; this article will provide a brief answer to the most commonly asked coverage questions. Each policy is different, and each insurance company ...

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    Thumbnail image for High Deductible Health Plans: Use Supplemental Insurance to Reduce Fear
    By January 4, 2013

    High deductible health insurance plans (HDHP) can save thousands in premium costs. But the big deductible scares people away. Supplemental health insurance is a great way to lessen the fright, while keeping premiums more affordable. As healthcare costs continue to skyrocket, high deductible health plans are becoming more common. You ...

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    Thumbnail image for Notice of Medical Financial Practices Highlights Holes for the Unwary
    By December 10, 2012

    After a milestone birthday my doctor told me the time had come to perform the dreaded colonoscopy. When completing paperwork at the gastroenterology group practice I was asked to verify that I read and understood their “Notice of Financial Practices”. I didn’t sign the verification at first, but eventually did. ...

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    Thumbnail image for Supplemental Insurance Costs Less Than Your Latte
    By December 3, 2012

    Supplemental insurance costs less than your daily latte! One in ten Americans drinks an espresso, cappuccino, latte, or similar specialty beverage every day. These drinks are delicious, but do nothing to secure family finances for people who experience a medical event. Daily Cost of Supplemental Insurance The average person buying ...

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    Thumbnail image for My Baby Brother Was a Pre Existing Health Condition
    By November 6, 2012

    Sibling rivalries are difficult enough for parents to manage. I was merciless with my younger brother. And he may suggest that remains true even today. Of course he brought much of this abuse upon himself.  Little brothers can be a real pain. But my pain almost started before he was ...

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    Thumbnail image for Purchasing Insurance Outside Open Enrollment
    By October 29, 2012

    Female employees are often eager to purchase two supplemental insurance policies outside of her employer’s open enrollment period. We encounter this issue very frequently when an employee is motivated to start coverage right away, but the timing does not mesh well with the employer’s open enrollment time frame. In most ...

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