What is Medicare? Medicare – a most common topic of discussion among those age 65 and older. Why? Medicare can be complicated. People often use the advice and lessons learned from others to support their own decisions. We think it is important for you to have the best plan available for your personal healthcare and …
Insurance
Buying Waterfront Property?
Thinking about buying waterfront property? A second home….and really hoping you can enjoy the view of a pristine lake or the soothing sound of ocean waves? Read on to gain insights on how best to prepare for home ownership on water. Important Considerations for Buying Waterfront Property Access to the water: What type of waterfront …
Healthcare Considerations
Multi-State homeowners may come across some unique healthcare considerations. Here are some important healthcare considerations to keep in mind: Health insurance coverage: Review your health insurance coverage to ensure that it provides adequate protection in all the states where you own homes. Some health insurance plans have limited coverage or networks outside of your primary …
What is Disability Insurance and Why Should You Have It?
Continuing with open enrollment month for your workplace benefits, let’s talk about disability insurance. Many people think about life insurance, especially if they have kids, but not everyone thinks about disability insurance, even though your chances of becoming disabled are greater than dying. According to a report published by the Social Security Administration in August …
What is Disability Insurance and Why Should You Have It?Read More
FSA’s & HSA’s
In my last blog, I talked about health care open enrollment. A few of the options that many employers offer for benefits are Flexible Spending Accounts (FSA) or Health Savings Accounts (HSA). Are you familiar with FSAs & HSAs and how they are used? If not, read on for more information. FSA’s An FSA is …
It’s Open Enrollment Season
If you are employed, you are likely navigating—or soon will be—Open Enrollment season, a crucial time for making informed decisions about your employee benefits, particularly health insurance. During this period, your employer provides the opportunity to adjust your existing plans or enroll in new benefits that best suit your needs. It’s essential to stay engaged …
Why Do I Need Homeowners’ Insurance?
When I prepared for the CERTIFIED FINANCIAL PLANNER® exam, I delved deeply into the nuances of why do I need homeowners’ insurance—its more than I ever imagined! While it may not have been the most exciting study topic, the knowledge I gained can help you make informed decisions about protecting your home. Why You Need …
Long-Term Care (LTC) Insurance
Some people think that when they get older and they have to go into an assisted living or nursing home facility, they will just be covered by Medicare or their regular health insurance – wrong! Assisted Living Medicare doesn’t cover much of assisted living or nursing home stays. Your assisted living stay could be covered …
Life or Health Insurance?
September is National Life Insurance Awareness month. So, this month I’ll be posting about life and health insurance. Should you get life or health insurance? Insurance is…. well, sometimes you just must have it. Nobody really says, “yay, I have to buy life or health insurance!” This blog will cover life and health insurance. There …