Monthly Archives: May 2017


Short-term disability (STD) income insurance is fairly self-explanatory; it is only available for short-term coverage periods. In other words, once a person becomes disabled, the benefit period kicks in. The benefit period varies; it can last for 13 weeks, six months, or up to one or two years. From the time a person […]

Short-Term Disability Income Insurance


It’s important to know the differences between job specific disability coverage and general disability income insurance. If you specialize in a certain field, you can get a disability plan for your own-occupation. Take for instance a veterinarian, who works exclusively with horses; they may want to take out a disability income plan […]

The Difference Between Own-Occupation and General Disability Income Insurance


Simplified-issue disability income insurance is as it sounds. Meaning, a person doesn’t have to go through stringent underwriting for health and finances. To get the plan, an individual simply answers a few questions. Then, based on the answers to those questions, the insurer either will issue them a policy or they won’t. […]

Simplified-Issue Disability Income Insurance



Types of Individual Disability Income Insurance Accident-Only Plans When looking for disability income insurance, there’s several options available on the individual side. First, there’s accident-only coverage, meaning it will pay for disabilities caused by accidents. It will not, however, cover disabilities caused by illnesses because it is accident-only. Generally, an accident-only plan […]

Types of Disability Income Insurance on the Individual Market


Disability income insurance, or DI insurance, ensures people maintain an income if they lose their ability to work. There are several vehicles in which to obtain disability income insurance. For instance, disability income is often a component of group insurance. Through an employer, you can get long-term disability income, which can see you through […]

Group Disability Income Insurance


Discount Dental Plan If you’re looking to purchase a dental plan on the individual market, then you should know about the four main types of dental plans. First, there’s the discount dental plan. With this type of plan, there is a network of providers. Technically, it’s not real insurance. It […]

Know What Type of Dental Plan is Right for You



Back in 2014 when the Affordable Care Act (ACA) went into full effect, individuals had six months to enroll. Then the following year, people only had three months; however, the government ended up extending the open enrollment deadline. That year they also assisted people during the tax season who didn’t know or understand why they […]

CMS Shortens the Open Enrollment Period for the 2018 Plan ...