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COBRA, a result of the 1986 Consolidated Omnibus Reconciliation Act, provides an extension of group health insurance coverage to those who would otherwise lose their benefits due to either a loss of employment or a reduction in hours worked.

Sometimes income replacement benefits are taxable and sometimes they are not. Knowing what makes your claim benefits taxable gives you more control. You can choose to maximize your claim benefits.

Young drivers pay more for car insurance. However, there are ways to reduce your premiums regardless of your age. Why do new drivers pay so much? It is simple. Automobile insurance companies have no driving history or a limited driving history on which to base their premiums.

There are several advantages to purchasing nursing home insurance at an early age. You may need to be in a facility long before you reach normal retirement age. You may develop a medical condition later in life that will keep you from buying a nursing home insurance policy if you wait too long. You be able to lock in a lower cost if you purchase a long term care policy at a younger age.

When comparing a medical insurance policy against another there are several things you should do. You want to make sure that the company has a limited number of consumer complaints, is likely to be financially able to pay future claims and you want to make make certain that the particular...

Don't get scammed by buying a guaranteed issue or simplified issue life insurance policy. These life insurance policies have their place, but too many people who could qualify final expense insurance contracts that are both cheaper and better overpay for guaranteed issue final expense insurance plans. Guaranteed issue or simplified issue...

Consumers of health care coverage often pay too much for protection because they hold common misconceptions. Not understanding when employer-sponsored insurance is better than family medical protection and when it is not, making the wrong decisions about low deductible health coverage and not knowing an insurance agent's role can be...

There are many reasons why nursing home insurance or long term care is so important. Approximately 70% of those reach age 65 will require some type of living assistance in their lifetime. The average stay in a nursing home is 904 days, almost two and a half years. The average cost of those 904 days is just under $178,000. Can you write a check for this? 40% of us pay out of pocket. 50 percent of all couples and almost 3 quarters of individuals are impoverished in less than 12 months of ent

One of the larger hurdles of women and men who are in business for themselves is buying health insurance protection for themselves and their families. Making this worse is the fact that pricing and access varies wildly by region, most there is no standardization for health care insurance policies. This, for many, really makes it difficult to choose the right medical insurance contract and plan options.

It is wise to have health insurance to cover any medical care expenses, but most plans will not cover dental expense. Yet, having the proper dental treatment is important for people of all ages. To afford these sometimes expensive treatments, it is important to have the means to pay for dental treatment. Dental procedures can be covered by specialized policies known as dental insurance.