With the legislation that covers Medicare and Medicaid being constantly revised, baby boomers searching for comprehensive, affordable insurance might feel as if they are facing an uphill battle. Finding such coverage can be intimidating, but with the right search criteria, it doesn’t have to be. A top insurance company in New Jersey can work with clients to create personalized insurance checklists that itemize baby boomers’ individual needs.
When selecting a specialty insurance provider, baby boomers should consider the areas of life that protection is sough for —health or medical expenses, general life, loved ones, and even belongings. Baby boomers probably want to do this all at an affordable rate, without being taken advantage of. A top insurance company in New Jersey can guide a baby boomer through the steps necessary to insure all these elements and at an affordable rate. They may even find some discounts that the policy holder didn’t know existed.
Continue reading “Insurance Must Haves for Baby Boomers”
Let’s be honest for a minute. When your head is bent over the pile of monthly bills, with your calculator nearby at your elbow, the realty hits you… unless you ask for, and receive, a raise, one or more of those obligations must get pushed to the side.
When it comes to those “obligations” for which you must dole out your hard-earned pay, never scrimp on, eliminate or fall behind in any insurance premium!
You’ve read or heard the advice before, most likely from financial advisors, to always adequately insure your home or vehicle, and that advice goes for your healthcare as well.
When it comes to protecting yourself, and your loved ones, you need to plan ahead. Plan for a future that may not be as rosy as you’d like it to be, or, at the very least, know that the years ahead may become tarnished, not golden, due to illness or other such circumstances beyond your control.
The time to put insurance policies for disability, long-term care and life insurance benefits into place is when you are younger, not when you are older or thinking of retirement. By then it might be too late.
Continue reading “How to Plan for Future Healthcare”
Whether you’re a long-time employee, or seeking a new job, of course you want job satisfaction, but, even more importantly, you need to ensure you have good benefits or “bennies” as they are often referred to. While health insurance, disability insurance, and life insurance packages provided to employees are fairly standard, employee benefits for financial perks are also attractive, no matter the age of the employee.
Employers who are savvy provide plenty of incentives to their employees to keep them aboard. By offering a compensation package of the most sought-after benefits, they’ll lure the best workers. Traditional benefits like adequate paid time off (“PTO”) and sick days are always appreciated and pretty standard as benefits go. Likewise group health insurance is always a draw, especially with a lower deductible, less co-pay amounts and good prescription coverage. Add the ability to have a flexible spending account (“FSA”) for your health insurance and employees will say “now you’re talkin’”. Continue reading “How to Attract and Retain Workers”
Insurance in general can be a really time consuming and broad subject – one that you may have lots of questions about, but you also might not know how to get these questions answered quickly and efficiently. In this article we will be going over a few questions and answers regarding a variety of insurance types and plans. Hopefully you can find your question below and can find a simple non-confusing answer below it! Continue reading “Common Questions About Insurance”
Life is full of risks! It doesn’t matter if you are driving in a car and get into an accident or you get hurt on the job, getting sick, being ill or being hurt can make it so you might not even be able to earn a living anymore (or temporarily). This is one of the biggest reasons why insurance is available, and there are all sorts of options available in terms of different facets of your life to protect. Below, we will be going over the top types of insurance you should have to protect your life, the way you live and the lives of your loved ones. These types of insurance include; Life insurance, Health insurance, Long-Term Disability insurance and Auto Insurance. Continue reading “Common Types of Insurance”