| Medical
Insurance
If
you currently have medical insurance through your employer,
are you well covered? Does your spouse have a different
type of medical insurance plan through another employer?
Which employer' s plan is best for your family? Do you
have all of the coverage you need?
Are
you currently without medical coverage, or about to
lose your current coverage? It' s important to have
continuity of coverage so you remain covered for pre-existing
medical conditions whenever changing medical insurance
policies.
We' re able to read the fine print in your current medical
insurance policies, decipher the policy provisions and
explain those details in straightforward language. If
you' re facing a situation, such as losing a job, where
you' re facing changes in your coverage, we' ll assist
you with information on issues such as COBRA and finding
new resources for coverage.
Finding the right medical insurance is challenging but
not impossible. Our expertise in the insurance industry
will ease the process for you and your family.
Disability Insurance
So
many of us take our health and safety for granted. We
give little thought to how we would continue to pay
for our living expenses if illness or an extensive injury
curtailed our ability to work and earn income. Disability
coverage assists by providing income when injury or
illness prevents you from working for the short term
or for a longer period of time. Disability plans provide
a percentage of the lost income for the period of disability,
after a pre-selected waiting period.
If
you have disability coverage as part of your employment
benefits package, the policy will provide you with a
percentage of your salary if you are disabled. If this
is a company provided benefit, then the income payable
will be subject to normal income tax.
You may wish to think about additional disability coverage
as a means of offsetting some of this tax. We know how
to build strong disability insurance plans into your
personal financial planning. So if the unthinkable happens,
you have the security you need to keep your family afloat.
Long Term Care Insurance
There comes a time, somewhere after your 40 th birthday
and before your 55 th, where purchasing a Long Term
Care Insurance policy makes a lot of sense. Most of
us are living longer and healthier lives. For some,
poor health as we age translates into the need for elder
care. Long term Care Insurance kicks in, providing benefits
that pay for in-home or assisted living care without
depleting your assets.
Few of us give a great deal of thought to the expenses
associated with long-term care. For many families, just
a few years in assisted living can deplete the family'
s resources. Consider what a decade or two of assisted
living expenses can be.
We spend significant time talking with our clients about
their post-retirement plans, because for most people
this is two or three decades of life. With detailed
planning and assistance, and good decisions, our clients
will be able to meet life on their terms.
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