Topics
Topic:
Family Planning
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LTC – To Buy or Not to Buy?
The decision on whether to buy long-term care insurance vs. self-insuring is a question many clients ask. If you can afford to self insure based on your planning, then the choice boils down to whether you would like to retain the risk or share the risk with an insurance company. The goal would be to…
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Umbrella Liability – Do I need it?
Umbrella liability insurance is a type of liability insurance available to individuals and companies protecting them against claims above and beyond the amount covered by their primary policies. If your liability coverage isn’t enough to cover the damages of an accident or an incident on your property, a personal umbrella insurance policy kicks in when…
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Why Your Spouse May Like Your Company Retirement Plan More Than Your IRA
One important difference between IRAs and company retirement plans is spousal protection. Except for community property states (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin), spouses of IRA owners do not have any rights to the account. By contrast, many corporate retirement plans must provide spouses at least some protection. In the…
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What You Need to Know About Medicare: PACE Coverage
The PACE program was created to provide an alternative for those who prefer not to move into a nursing home but whose medical problems make it impossible to stay at home without medical help. PACE is provided by a not-for-profit or public entity for those who are frail enough to meet their state’s standards for…
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What You Need to Know About Medicare: Medicare Appeals
Ideally, Medicare will always pay what it is supposed to when it is supposed to, but this is the real world and unfortunately Medicare doesn’t always work the way it is supposed to. When Medicare doesn’t work the way it should, you can file an appeal. Medicare Advantage Appeals While filing an appeal with Medicare…
