Am I Eligible for Life Insurance if I Have a Chronic Illness?
Posted: April 22, 2023
If you live with a chronic illness and are considering the prospect of purchasing life insurance, you may be wondering if your condition will get in the way of your eligibility. However, many people with chronic health conditions are still able to qualify for average life insurance rates. Of course, every person’s situation is different, and your rates will also reflect the specific type of...
What Happens to My Employer-Sponsored Health Insurance After I Get Medicare?
Posted: April 21, 2023
If you have employer-sponsored health insurance and you will soon be eligible for Medicare, you may be wondering what will happen to it once coverage kicks in. The short answer is yes, you can keep both the coverage provided by your employer as well as your Medicare. You can also choose to drop your employer’s health plan, but it is not a requirement. The size...
5 Non-Traditional Benefits That Your Employees Will Enjoy
Posted: April 13, 2023
To attract the best employees, your company needs to offer a combination of salary and benefits. As an added enticement, consider offering your workforce non-traditional benefits. Wellness programs. Your workforce appreciates a focus on wellness, such as providing ergonomic furniture, digital health trackers, telehealth programs, or offering online support for weight loss or smoking cessation. A comfortable, modern work environment. The office layout makes a...
Is Joint Life Insurance a Good Idea?
Posted: April 7, 2023
Joint life insurance comes with several appealing benefits. Rather than covering one spouse, the insurance covers both spouses – but only pays one death benefit – when one partner dies. This type of insurance can be more affordable than buying two separate life insurance policies. How does Joint Life Insurance Work? Joint life insurance comes in two different types, called “first-to-die” and “second-to-die.” With first-to-die,...
What Documents Do I Need When Applying for Medicare?
Posted: April 6, 2023
If you are approaching the time to enroll in Medicare, take the time to gather the documentation the agency requires. Medicare allows you to enroll online, by phone, or in person at a local Social Security office. The documentation needed will depend on whether you already receive Social Security benefits. If you do, there is no need to submit documents. If you do not yet...