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Americans use insurance to protect a host of assets, from cars to to jewelry. But many people forget to insure their most important asset — the ability to work and earn a living. As a recent Social Security fact sheet states, “Just over 1 in 4 of today’s 20 year-olds will become disabled before [...] Children make prime targets for identity thieves specifically because they have no credit history and thus, clean credit reports. Because parents don’t think to check their children’s credit histories, the theft can continue unchecked for over a decade. How appealing are children’s identities to identity thieves? Protect your children with LifeLock and prevent them from [...] According to Social Security Administration, there has been a 29% increase in Americans with little or no work experience getting disability payments since 2003. The federal government spent nearly $250 billion in 2011 paying more than 23 million Americans some type of disability claim. These numbers don’t include people out on worker compensation claims, which [...] Most medical insurance plans don’t cover dental or routine vision. Therefore, you are usually given an option for signing up for those benefits as a separate entity. Here are a few key things to keep in mind when choosing a vision benefit plan that is right for you and becoming familiar with your new [...] Consumer Driven Health Care, CDHC has seen a considerable growth in the past decade. It includes greater acceptance of consumer driven health care and related products by both employers and employees. Thus, making these plans and the associated products such as health savings accounts viable option for millions. The development of consumer driven health care [...] The U.S. population is aging rapidly, with projections that the population of those over age 65 will nearly double by the time the last baby boomers reach age 65. In 2000, seniors comprised 12 percent of the U.S. population. By 2030, that number is expected to rise to 19 percent or 72 million Americans over [...] Long-term care policies have only been offered on a large scale since the 1980s, which means the providers are realizing that more people hold on to their policies until they can file a claim. Years of rock bottom interest rates have kept the long-term care insurance providers from earning a decent return on policies whose [...] A good dental insurance will cover for preventative dental care such as fluoride treatments and professional dental cleanings, or diagnostic treatment like X-rays. Choose your dental insurance provider smartly so that all your basic dental care is covered through insurance so you don’t have to deal with out of pocket costs. Your dental insurance [...] Enrollment in dental benefit plans has been progressively rebounding since 2009 when enrollment rates took a big hit because of high unemployment caused by the recession, according to the National Association of Dental Plans, NAPD. A 2012 report by the NAPD and the Delta Dental Plans Association showed that there were about 176 million people, [...] The Federal Reserve’s plans to keep interest rates low for the foreseeable future mean thatsome holders of long-term care insurance haven’t seen the last of increases in their premiums. But if you are notified of your increased rate in the near future, you have more flexibility than you think to respond to it. Your insurance [...] Nearly 70% employers offer a group legal plan to improve employee benefit solutions, while 44% and 32% respectively, did so to boost employee loyalty/retention or for competitive reasons. This result was shown in a recent industry survey conducted by SourceMedia, the parent company of Employee Benefit News for Hyatt Legal Plans, the nation’s largest [...] Nearly 70 percent of Americans aged 65 or older are expected to need long term care at some point, and they turn to long term care insurance to help them cover its high costs. However, those that are planning to get long term care insurance may not be able to afford it. The California Public [...] The Departments of Health and Human Services, Labor and Treasury (the Departments) issued joint proposed regulations on the Patient Protection and Affordable Care Act’s prohibition of waiting periods of longer than 90 days for group health plans on March 18th. For plan years beginning on or after January 1, 2014, the proposed regulations provide that [...] What does vision care insurance cover? Vision care insurance usually pays for the following basic services: A yearly eye examination, including refraction to check your vision Eyeglass lenses Eyeglass frames Contact lenses LASIK and PRK vision correction procedures at a discounted rate Your specific vision insurance plan may have a limit (such as every two years) [...] Purchasing travel insurance is always a good idea if you are going on a trip overseas. Having travel insurance makes it easier to receive health care while you are in a foreign country, makes it easier to get your belongings replaced if they are lost or even get you home if your travel plans are [...] More companies these days are turning to voluntary benefits to bolster business and empower employees. Nearly six out of 10 companies agree that voluntary benefits are a significant part of their benefits strategy. According to MetLife’s 11th annual report on “Study of Employee Benefits Trends”, 58 percent of employers say that voluntary benefits are a [...] Long-term care has been a hot topic these days and a growing concern for baby boomers and their parents. Purchasing a long-term care insurance might be out of the question to some, especially when finances are tight and when people don’t foresee themselves needing one. However, even though long-term care insurance is not for everyone, [...] How is your company tapping healthy and fun spin at work? American Psychological Association’s (APA) has provided some great examples of how companies are providing employee assistance to reduce the level of stress of its employees. The APA awarded its 2013 Psychologically Healthy Workplace awards to companies who showed that they valued their employees by [...] Choosing long-term care is a very important decision. Even though the current headlines regarding long-term care insurance was not that encouraging, you should plan and think about it long before a crisis occurs. According to Genworth Financial Inc., the nation’s largest seller of long-term care coverage, they are suspending sales of individual policies in California [...] The Department of Labor’s Employee Benefits Security Administration (EBSA) has published two tools online to enable group health plans, plan sponsors, administrators, and health insurers comply with the group health plan requirements of Employee Retirement Income Security Act (ERISA) The first guidance document is Self-Compliance tool for part 7 of ERISA: Health Insurance Portability and [...] |
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