When those three words are spoken, Long Term Care, what comes to mind? Many make the common association with a nursing home. Others may mistakenly think that they are already covered for related long term care matters through their health insurance or disability income policy or policies, or they think
By Marv Law, CLTC There is never a single company or drug plan that is right for everyone. Even couples in the same household can often find it more appropriate to choose different plans, even with different companies because of their different medications. The following tips may help you avoid
By Marv Law, CLTC With the enormous wave of information coming overwhelming Medicare beneficiaries, it is important to be aware of common mistakes made when choosing a plan. The following information answers questions I’m often asked as well as frequent misunderstandings I witness among many when selecting their Medicare options.
By Marv Law, CLTC With the changes in health insurance in recent years, more people are experiencing greater out of pocket medical expenses. Higher health insurance premiums have pressed many people to choose health plans with higher deductibles, co-pays and coinsurance so they can better afford the premiums. As a
By Marv Law, CLTC Disability insurance helps replace income in the event a sickness or injury prevents you from working and earning an income. Here are five questions to help determine if this is needed. Do I have an income to protect? Small or large, income of most any size
By Marv Law, CLTC There are several Qualifying Events that may occur which can make an individual eligible to apply for health insurance outside of the Annual Open Enrollment. In addition, there are short term medical plans, often at a lower cost, that can help bridge the gap between open
By Marv Law, CLTC With the exception of a Qualifying Event, we can now only get individual and family health plans once a year during Open Enrollment. This is similar to being on an employer group plan or Medicare, where there is an open enrollment ever year. If you miss
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