I’ve mentioned a couple times that my husband is receiving disability insurance while recovering from surgery. However, I was startled to discover recently that California is one of only five states with a state-run disability program. If you don’t live in one of these states (California, Rhode Island, Hawaii, New York, New Jersey), you should pursue other …
I have generous health insurance through my employer, which covers me and my spouse (and dependents, were I to have any) without cost to us. My husband also has free coverage for himself through his employer. That’s served us well in the past when our employers bought insurance through different insurers. My insurance counted payments …
Calculating the Benefits of Double Health Insurance Read More »
As I’ve mentioned before, we opted to contribute the maximum $2500 to our FSA account this year because we initially expected to pay $2000-$4500 in coinsurance for my husband’s surgery. As it turned out, we paid $0 in coinsurance, which meant we have to scramble to spend down the $2500. Half-Year FSA Check-In We use our FSA …
If you don’t have health insurance through your employer, or your spouse’s employer, you can either buy an individual health insurance plan, a family plan, or a group plan through a trade group or credit union to which you belong. The costs will be higher, but the cost of not having insurance is much higher. …
Six months ago I wrote a post about calculating the benefits of dual coverage health insurance. At the time, my employer was switching health insurance plans so that my husband and I would both have Anthem through our employers, and he would have dual Anthem coverage with different benefit levels. Once we learned he was scheduled …
Yesterday while driving to work, I heard a report about some of the people who have lost their homes in the Georgia floods. They are renters and their rented homes are gone, along with their stuff. They went to shelters seeking money, but found only food and a place to sleep. The Red Cross can’t …
Whenever I hear about the deaths of celebrities like Heath Ledger and Brad Renfro, my first thought goes to the children they left behind. I pray that the surviving parents have the strength to help their children through this. I also hope that the celebrities listened to their financial advisors and arranged for trusts and …
Lessons from Celebrities: The Importance of Life Insurance Read More »
If you followed my advice from a couple months ago, then you already have your life insurance, auto insurance, health insurance, and homeowner’s or renter’s insurance policies in place. If you don’t, get them now. Use a company like Netquote to arrange your policies. Once they’re in place, you need to keep them somewhere they can be easily accessed during an emergency. Auto Insurance …
Most of my friends who rent don’t have renter’s insurance, for one of three mistaken reasons: They think it’s too expensive They think their landlord’s policy covers them They think their stuff isn’t worth much. If you rent, then you do need a renter’s policy. It’s actually very affordable – it’s usually less than $20 …
Recently Progressive Insurance has taken a tactic from Priceline and offered customers the option to “Name Your Price” for auto insurance. Now, it’s one thing to name your price for a hotel or an airline ticket, neither of which really make a huge difference in your life, but naming your own price for auto insurance …
Should You Choose Your Payment for Auto Insurance? Read More »
