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Your Medicare card is a very important piece of identification. It’s proof of your health insurance benefits. You’re often required to present your Medicare card when seeking care. Without it, you could end up paying a lot more out of pocket. You’ll receive your card in the mail along with your “Welcome to Medicare” packet […]
How to Replace Your Medicare Card If It’s Lost or Damaged Read More »
Thieves inspired by social media are stealing certain models of Kias and Hyundais with little more than a phone-charging cable. The trend started in Milwaukee before spreading to cities nationwide. It has led to multiple lawsuits filed against the carmakers. Plaintiffs allege that Kia and Hyundai defrauded consumers by selling unsafe vehicles that lack a…
Own a Kia or Hyundai? Here’s Why Your Insurance Rates Could Go Up Read More »
Umbrella insurance is great for anyone who has anything of value. It protects you when you’re sued after an event that occurred on your property, or if you unintentionally cause someone injury. Umbrella insurance provides additional liability coverage beyond what your standard insurance policies offer if you get sued. The post What Is Umbrella Insurance?
What Is Umbrella Insurance? Read More »
Are you getting bombarded with TV commercials and a mountain of health insurance advertisements in the mail? You’re not the only one. It’s that time of year again: Medicare open enrollment. During this roughly two-month period, Medicare beneficiaries can compare and adjust their coverage. Private insurance companies aggressively advertise their plans in hopes that you’ll
Your Guide to Navigate Medicare Open Enrollment This Year Read More »
Key person life insurance works a lot like a typical life insurance policy. But some of the biggest differences may affect whether it’s the right choice for you. The post What Is Key Person Life Insurance and How Can It Protect Your Business? appeared first on Money Crashers. https://www.moneycrashers.com/what-is-key-person-life-insurance/ #financialfreedom #money #entrepreneur #business #finance #investing
What Is Key Person Life Insurance and How Can It Protect Your Business? Read More »
Dear Penny, Please help me evaluate a tantalizing temptation. I am a 58-year-old single gay white male college graduate with no dependents. I worked hard, prospered, lived frugally and saved for over 30 years. In my early 50s, I was promoted beyond my skills and abilities and consequently floundered professionally. Currently, I am self-employed owning/managing
Dear Penny: Should I Buy a $3M Annuity So I Never Worry About Money Again? Read More »
If your 65th birthday is approaching, it’s time to talk about Medicare. You know it kicks in when you turn 65, but how does it work? Some people are automatically enrolled while others need to sign up through the Social Security Administration. You’ll also need to get coverage for prescription drugs and maybe a supplemental
How to Sign Up for Medicare: Everything You Need to Know Read More »
Healthcare and health insurance is a complicated topic, and there are many differing opinions on how it should best be handled. In many countries, there is universal healthcare for everyone, but that is not the case in the United States. While there are government-run programs for the elderly (Medicare) and those with low-incomes (Medicaid), most
What To Do When You Get Kicked Off Your Parents Health Insurance Read More »
College students living in dorms or off-campus housing can find rental insurance by knowing how much coverage they need, determining a budget and comparing providers. Renters insurance provides coverage for damage to belongings and protection from liability. If you are a college student who does not have similar coverage from your parents’ homeowners or renters
How to Get College Renters Insurance Read More »
Most people think of beneficiaries using life insurance after they die. But if you have a cash value life insurance policy, your insurance coverage is also quite useful while you’re still alive. But it’s crucial you understand how cash value works and all the fine print that comes with it. The post Cash Value Life
Cash Value Life Insurance – What It Is and How It Works Read More »
Medigap Plan G is the most comprehensive Medicare Supplement Insurance plan that’s available for purchase by all Medicare members. Medigap Plan N covers a bit less, but its premiums are lower, too. Premiums aren’t the only cost you’ll need to consider, though. Medigap Plan N requires copays for certain office and emergency visits, so whether…
Medigap Plan G vs. Plan N: Which Is Best? Read More »
A denial letter isn’t the end of story for a health insurance claim. If you’re persistent and file a proper appeal, you could get that claim paid after all, at least in part. The post How to Get a Health Insurance Claim Paid and Appeal a Denial appeared first on Money Crashers. https://www.moneycrashers.com/appeal-health-insurance-claim-denial/ #financialfreedom #money
How to Get a Health Insurance Claim Paid and Appeal a Denial Read More »
If you have a mortgage (which most people do) you’ll need homeowners insurance. Here are our top picks for the best homeowners insurance companies.Homeowners insurance can help you protect your home and finances. Here are our top picks for the best homeowners insurance companies. The post 8 Best Homeowners Insurance Companies of August 2022 appeared
8 Best Homeowners Insurance Companies of August 2022 Read More »
When shopping for life insurance quotes, make sure to: Compare quotes from various insurers to get the best price possible. Select life insurance policies with the same level of coverage to get the most accurate comparison. Check the features of each life insurance policy you compare. Some policies may include free life insurance riders that…
Start comparing customized life insurance quotes in minutes. Read More »
Gerber Life Insurance is a natural fit for your life insurance short list, whether you need insurance for your child or yourself. But it’s not the only option out there, even for infants and children, so review its options and features carefully before buying. The post Gerber Life Insurance Review – Key Features, Pros and
Gerber Life Insurance Review – Key Features, Pros and Cons Read More »
Average Cost of Long-Term Care Insurance As a baseline, the average cost of long-term care insurance for a 55-year-old man and 55-year-old woman annually is $950 and $1,500, respectively. When it comes to your financial future, there’s nothing more responsible than staying prepared for the unexpected — including budgeting for long-term care insurance. Nearly 70%
How Much Does Long-Term Care Insurance Cost? Read More »
Dear Penny, Should I take out a life insurance policy for my estranged father? My father is in his mid-50s and doesn’t have the best health. We are not very close. We text occasionally, and I see him maybe twice a year. He is not married. However, he has lived with the same woman for
Dear Penny: Can I Be Forced to Pay for My Estranged Father’s Funeral? Read More »
If you own a home, insurance is a necessity and required if you have a mortgage. But homeowners insurance might be costing you more than it should. Thankfully, there are ways to lower your monthly homeowners insurance premiums without sacrificing essential coverage. Many insurance companies provide incentives and discounts that can help you save money
10 Homeowners Insurance Discounts That Could Lower Your Rate Read More »
As a parent, grandparent or legal guardian, buying life insurance for children is one way to guarantee coverage for them later in life. Our list of the best life insurance for kids includes companies that offer standalone life insurance policies for children — not riders, which tend to expire when the child becomes an adult….
Best Life Insurance for Children: 5 Policies That Cover Kids in August 2022 Read More »
One of my goals on Financial Samurai is to share different perspectives. Roughly 15% of the world’s population (1+ billion), lives with some form of disability, of whom 2-4% experience significant difficulties in functioning. This is the minority group I’m most passionate about fighting for in this extremely competitive world. My hope is that more
Overcoming Blindness: Achieving Financial Independence With A Visual Impairment Read More »
