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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 […]

The Difference Between Own-Occupation and General Disability Income Insurance

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Types of Individual Disability Income Insurance Health Insurance Type: Accident-Only Plans When looking for disability income insurance, several options are available on the individual side. First, there’s accident-only coverage, meaning this health insurance type will pay for disabilities caused by accidents. It will not, however, cover disabilities caused by illnesses […]

Health Insurance Type(s) – Disability Income Insurance

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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 […]

Health Insurance Type(s) – Group Disability Income Insurance

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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 were […]

CMS Shortens OEP for The 2018 Insurance Plan Year

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The Centers for Medicare and Medicaid Services (CMS) have included in their recent ruling an incentive to maintain continuous coverage. They’re incentivizing individuals to keep their policy, or rather they’re penalizing people for dropping coverage. If someone goes a few months without coverage, then they’re going to have to pay more […]

Per CMS ruling, Individuals Must Maintain Continuous Coverage

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The Centers for Medicare and Medicaid Services (CMS) came out with some final stabilization rules. One component of the ruling now makes it more difficult to qualify for a special enrollment period (SEP). Essentially, an SEP enables people, who couldn’t get coverage or lost coverage outside of open enrollment, to enroll in a […]

CMS Requires Qualifying Documentation for Special Enrollment Periods (SEP)

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