Basics of Long Term Coverage
Before making a decision about long-term care insurance (LTCI), it helps to fully understand what it is and how it works. Here’s a general overview. What is long-term care insurance? This type of insurance addresses extended, hands-on assistance that’s needed due to a prolonged disability or long-term illness or cognitive impairment. Each LTCI policy will define its benefit triggers, but individuals generally qualify for use when a health professional certifies that you require help with at least two daily activities, such as dressing, eating or bathing. What can it cover? Most...
Read MoreWith Depression, Knowledge Is Power
According to the World Health Organization, depression affects an estimated 350 million people worldwide; yet fewer than half receive treatment. Despite an increased awareness of depression and other mental illnesses, a social stigma about these disorders still exists. Help fight it by educating yourself on depression and its common symptoms and treatment strategies. Signs It’s More Than a Feeling Friends and family of sufferers may confuse symptoms of depression with ordinary sadness, but they’re distinctively different. A sense of hopelessness or emptiness, loss of interest in...
Read More5 Steps to Determine if Your Employers High Deductible Health Plan is Right for You
Choices. We all like them. We all want them. We all believe we should be entitled to them. But what about in our health coverage options? I am not about to open the Affordable Care Act can of worms about healthcare reform. No, what I am talking about is why do I now have two different insurance plans to pick during my employers open enrollment? And more importantly? How do I know which one I should enroll in? The truth of the matter is, there isn’t a good plan or a bad plan when it comes to these two types of choices, what it comes down to, is which is right for YOUR...
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