Articles
Playing It Safe During the Holidays
As the holiday season nears, your business will have new safety considerations to confront. From holiday parties and risk of electrical shock to fires and trips and falls, companies have a set of safety and risk management challenges that may not be present during...
A Hacker’s Tips on Keeping Your Personal Data Safe
One big concern for all of us these days is online safety and protecting our personally identifiable information and credit card information. Not only that, but clicking on a nefarious link on a website or in an e-mail can unleash a cyber attack on your computer with...
Plan Now for Your Child’s Insurance at College
If your child is gearing up to attend college, they will leave the comforts of home to likely be on their own for the first time. And while they and their belongings have been under the protective cus If your child is gearing up to attend college, they will leave the...
Medicare Alzheimer’s Drug Decision – Its Effect on Rates, Coverage
The Centers for Medicare and Medicaid Services has announced that it will only cover the controversial Alzheimer's therapy Aduhelm for Medicare patients who are in clinical trials. Besides setting clear-cut rules for when Medicare will cover the drug, it also sets the...
Myth Debunked: Most Providers Accept New Medicare Patients
A new study seems to blow a hole in the myth that many primary care physicians won't accept new Medicare patients because the reimbursements are notoriously low. In fact, the majority of office-based doctors accept both new Medicare and privately insured patients,...
What You Can Do as Long-Term Care Insurance Rates Climb
Most long-term care insurance policyholders continue paying their premiums when their insurer raises the rates, a new study has found. LTC insurance premiums have been climbing steadily over the past few years due to a number of factors, including rising costs, longer...
Disability Insurance Can Protect Your Retirement Funds
Disability insurance can help keep your cash flow going should you be hit by a disabling event such as an injury or a sudden illness that prevents you from working. But besides protecting your income, disability insurance can also safeguard your retirement goals by...
How Inflation Affects Annuities
Inflation levels are at the highest we've seen since the 1970s. Increased prices will have a significant impact on retirement portfolios, as retirees are forced to withdraw more money each year than they expected just to maintain their current standard of living....
When Your Heirs Have Special Needs
About one in six children between ages three and 17 has a developmental disability, according to the Centers for Disease Control and Prevention. But a University of Illinois study found that fewer than half of parents of disabled children are actively planning for...
Life Insurance When You Have Children
Life insurance has many applications. But its most important purpose is protecting children against the untimely death of a parent. Here are seven life insurance principles for parents: 1. Buy enough When you have young children, you probably need a lot of life...
Buying Health Insurance When You Have a Pre-Existing Condition
A pre-existing condition is a medical issue you are known to have when you apply for health insurance coverage. According to the Kaiser Family Foundation, about 27% of Americans under 65 have at least one significant pre-existing medical condition. A decade ago, a...
Medicare Part B May See Premium Decrease in 2023
As a Medicare recipient, you would have likely noticed the surge in your Part B premiums for this year. That jump in premium was linked to a decision by the Federal Drug Administration approving for use a controversial and expensive Alzheimer's disease medication:...