Insurance

Got a cracked windshield? You might get it fixed for free if your auto insurance includes glass coverage. If a major storm knocked out your power and everything in your freezer went bad, your homeowners insurance may cover the cost of the spoiled food. And, if the stash of emergency cash in your sock drawer
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If you want to file a complaint with Medicare, you are not alone. According to the Centers for Medicare and Medicaid Services (CMMS), the agency reviews over 100,000 complaints each year. Complaints cover the quality of care, hospital discharges, home health services, nursing homes, and Medicare Advantage programs, among other things. The Process of Filing
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Recent floods in Oregon, Washington State, Texas, South Carolina, California and other states drowned thousands of cars under muddy, polluted water. Once those vehicles are dried-out and cleaned-up, they could show up for sale, and you could be the one who ends up taking a bath. A flood-damaged engine is difficult or close to impossible
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Not so long ago, residents of Mexico were primed for the impact of Hurricane Patricia. At one point, Patricia was the strongest storm ever measured on earth with sustained winds of over 200 miles per hour (mph). Experts predicted the potential for 40-foot waves and dangerous flash flooding along the coast of southwestern Mexico. The
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Medicare cost increases are not uncommon, but in 2016, they will have an uncommon effect. Thanks to quirks in the Social Security system, approximately 30% of Medicare beneficiaries are going to experience huge increases in their Medicare part B costs (up to 52%) while others are not affected in the same way. Medicare has three
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Workers’ Compensation is a program designed to compensate workers that are injured because of job-related activities or the job environment. The compensation covers several areas of expense. Medical Treatment – This includes emergency care and follow-up treatment, as well as any required rehabilitation and corresponding transportation costs. Lost Wages – Compensation for your lost
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The pitch is very appealing to fiscally conservative seniors. Earn up to 8% on your investment with a guarantee not to lose money. Sounds too good to pass up, doesn’t it? Welcome to the world of indexed annuities. These financial vehicles are sold by insurance companies and target the risk-averse investor or retiree. Indexed annuities
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“Acts of God”, for insurance purposes, are defined as events that occur through natural causes and could not be avoided through the use of caution and preventative measures. In essence, the phrase “Acts of God” refers to natural disasters. The phrase generally brings to mind hurricanes, tornadoes, earthquakes, hail, or floods. However, the lines can
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It is a hectic and bittersweet time as your children head off to college. There are so many issues to consider that it is easy to forget one important aspect — insurance. Insurance policies and coverage will generally change once your children are no longer under your roof. However, with some planning, those changes may
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You may have saved diligently for retirement and managed your money well, but in the end, long-term care costs can derail your plans and quickly exhaust your savings and other assets. According to LongTermCare.gov, average costs for 2010 were $6,235 and $6,965 per month for semi-private and private rooms in nursing homes, respectively. For how
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Dogs bring joy to the lives of their owners almost every day. Occasionally, though, some dogs will injure another person or damage the property of others. These circumstances can cause hefty financial damage to those who do not have proper liability insurance that covers their pets. How to Protect Yourself Financially Insurance can be purchased
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It can be a sobering and painful time when you realize that one of your family members requires some form of senior care. Your choices can seem overwhelming and hard to understand. Home care options are available through home healthcare services, and respite care (adult daycare) options are available for part-time assistance if you are
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If you have had to do battle with an insurance company to settle a straightforward damage claim, you may be surprised to discover some of the odd things that have been covered and paid under an insurance policy. Actually, a few cases are so outrageous you will probably be surprised whether or not you have
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Dealing with the aftermath of a home-destroying disaster is bad enough without uncertainty regarding your insurance coverage and replacement costs. A full inventory of your possessions can accelerate the process of sufficiently replacing them and starting the recovery process. Most of us have a scattering of files and information on our possessions, but not a
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MoneyTips Among the most attractive features of the Affordable Care Act (aka Obamacare) are the tax credits that are available to low income families to make health insurance more affordable. If you purchased your health insurance through one of the Exchanges (either Federal or state-based), you qualified for a tax credit or other subsidies if
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The state of Florida is well known for many things — sunshine, beaches, golf courses and Disney World, to name a few. Unfortunately, it is also known for bearing the wrath of one of Mother Nature’s most fearsome and destructive types of storms: hurricanes. Hurricane Andrew was one of the worst hurricanes to ever hit
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If you are one of those people who likes to post on social media about all the things going on in your life, there is at least one event you might want to think twice about before hitting the “post” button: a car accident. That is because insurance adjusters are increasingly turning to social media
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MedPay Car Insurance, otherwise known as Medical Payments coverage, is a common target for people who are trying to reduce their insurance premiums to save money. However, MedPay is one of the better bargains in insurance today in terms of the value you get for the premiums that you pay. A typical cost is between
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Insurance is a useful tool to cover risks, if applied wisely. If not, then it is the equivalent of throwing your money away. Even worse than throwing your money away, these frivolous insurance policies can leave you with a false sense of security. Less useful policies tend to offer very narrow single-purpose coverage, overlap with
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Flood insurance is required if you live in an area designated as a potential flood zone by the Federal Emergency Management Agency (FEMA). However, some 20-25% of flood claims come from moderate and low risk areas – not to mention the impact on uninsured people who are affected by floods. How do you determine your
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