Obamacare

health care
Currently, talk about healthcare reform dominates the news. Questions and concerns arise as people speculate whether or not the current administration will repeal and replace the Affordable Care Act. Though the house has passed their version of the new healthcare bill – the American Health Care Act – the Senate must […]

Healthcare News Update: Obamacare Still In-Force

 in Health  tagged affordable care act / american health care act / health insurance / health insurance marketplace / healthcare reform / Obamacare / short term medical plan by
Do you have life insurance or disability income insurance through your employer? If so, it’s important to make sure that the payment – if deducted from payroll – uses after-tax dollars. Likewise, if you’re self-employed or a small business owner, you should not pay for the policy through the company. Instead, you should […]

Be Sure to Use After-Tax Dollars to Pay for Disability ...

 in Health  tagged aca / affordable care act / AHCA / Disability income insurance / health insurance / health insurance premiums / marketplace health insurance / Obamacare by
Compared to other disability income insurance plans, accident only disability is perhaps the most inexpensive. And like many other insurance policies, accident only disability income insurance gives the policyholder benefits so long as they pay the premiums on time. If injured and unable to work, accident only disability income insurance replaces a portion of […]

Accident Only Disability Income Insurance

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Short Term Medical Plan Companion Life
Due to rules issued by the previous administration, consumers can only purchase short term medical plans for 90 days at a time. Then, after the 90 days are over, the consumer has to re-apply. Within a year, a person would have to apply for a short term medical plan four […]

Companion Life Offers New Short Term Medical Plan

 in Health  tagged affordable care act / Companion Life / health insurance / health insurance marketplace / marketplace health insurance / Obamacare / short term medical plan by
Guaranteed Renewable Though different, guaranteed renewable is something else everyone should consider when shopping for disability income insurance. Essentially, this rider renews the policy each and every year so long as premiums are paid on time. This removes the hassle of reapplying. With this guaranteed renewable, rates can still increase. Contrastly, […]

Know the Difference: Guarantee of Insurability vs. Guaranteed Renewability

 in Health  tagged affordable care act / american health care act / Disability income insurance / guarantee of insurability / guaranteed renewable / health insurance / health insurance marketplace / Obamacare by
Why You Need Non-Cancellable Riders on Your Disability Income Policy Non-cancellable riders are a must-have on a disability income policy. If the carrier allows this rider, then it’s definitely worth considering. Essentially, a non-cancellable rider ensures static rates. In other words, once the policy is in effect, the insurance company cannot […]

Non-Cancellable Riders on Disability Income Insurance

 in Health  tagged aca / affordable care act 2017 / AHCA / american health care act / Disability income insurance / health insurance / humana obamacare 2017 / non-cancellable riders / Obamacare by
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Residual disability insurance is a rider that can be put on a long-term disability income policy. It is something that everyone should consider. If disabled, this rider guarantees that when you return to work you don’t lose all your disability income at once. Since recovery takes time, not everyone can return to […]

Residual Disability Benefits

 in Health  tagged ACA 2017 / affordable care act / Disability income insurance / health insurance / health insurance marketplace / insurance riders / Obamacare / residual disability benefits by
Long-term disability income insurance ranges in how long it will cover an individual. Someone can purchase this type of disability income insurance for as little as one year; however, it can cover someone until age 67. Ideally, a person should consider purchasing this type of insurance while they’re young because […]

What to Expect When Applying for Long-Term Disability Income Insurance

 in Health  tagged ACA 2017 / affordable care act 2017 / Disability income insurance / health insurance / health insurance marketplace / long-term health insurance / Obamacare / paramed exam by
Business overhead is another type of disability income insurance that’s incredibly popular. This plan type is designed for those who own their own business. For instance, if a business owner becomes disabled, then they can insure their company continues to run smoothly without them. Many business owners get both a business overhead plan and a […]

Business Overhead Disability Income Insurance

 in Health  tagged ACA 2017 / affordable care act 2017 / business overhead expense / Disability income insurance / health insurance / Obamacare by
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

 in Health  tagged affordable care act / Disability income insurance / health insurance / Obamacare / short term health insurance / short-term disability income insurance by