It is not easy to educate and communicate with employees about the benefits offered by their employer and broker(s) before the “Enrollment Period”. The Employer and Broker must collaborate to make the Benefit Plan Design, the Programs, and/or Services clear and understandable for the employees and their families. Effective “Group Meetings”, including preparation and follow-up, can have […]
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16
May
May
It can be overwhelming and difficult to lose a loved one. It is difficult and exhausting to deal with the emotional toll. It is common for loved ones to forget some details, even if they have a clear plan. People tend to prioritize cancelling financial-related items like credit cards, insurance policies, and automatic payments. This is a great […]
16
May
May
The national base beneficiary premium for Part D plans is $33.06 per month for 2021. Medicare Part D plans — which cover prescription drugs and are also known as Medicare drug plans — come with monthly premiums that vary by policy. According to Centers for Medicare & Medicaid Services for 2021, the national base beneficiary premium for […]
16
May
May
The 21st century will see steadily decreasing interest rates. The benchmark US federal funds rate was 6% at the start of 2000. It stood at 0.09% as of December 2020. The Federal Reserve, which sets monetary policy in the United States of America, states that rates will stay close to zero until at least 2023.The fed funds rate […]
16
May
May
Medicare does cover surgery for cataracts, but there may be coverage restrictions or copays. Medicare covers cataract surgery, which affects 68% of Americans over the age of 80. Medicare Part B deductibles and copays apply. There are limitations on coverage for intraocular lenses and new surgical techniques. According to the National Eye Institute, cataract surgery is extremely […]
15
May
May
If you are the owner of an automobile and have had your license suspended for violating the law, you will need to submit a statement to prove your responsibility in order to reinstate your license and allow you to drive again. This form, also known as SR-22 is used to prove financial responsibility following a major […]
15
May
May
Illinois’s problem drivers are often required by law to buy SR-22 insurance. Unlike its name, the SR-22 insurance policy is not an actual car insurance policy. An SR-22 certificate, on the other hand, proves that the driver has the minimum required liability insurance coverage in the state. This certificate is reserved for drivers who have been convicted of […]
15
May
May
Home health services are generally covered by Medicare for those who meet certain requirements. Medicare covers most home healthcare services, including certain therapies and home health aides. You will need to meet some requirements in order to be eligible for coverage. You’ll also be responsible for a portion of the cost for certain services. What home care […]
15
May
May
USAA was founded in 1922 among a group of Army officers who agreed to insure each group member’s vehicle. To this day, USAA continues to focus solely on military families and has now expanded to become the fifth largest auto insurance carrier. Although the corporate office is located in San Antonio Texas, the carrier has other offices all over the […]
14
May
May
Real estate investments may not be as liquid as stocks or ETFs, but Fundrise offers safeguards to protect your investment. Bank-level security is used, along with an Errors and Omissions (E&O) insurance policy to guard against errors that might arise in property investments. Keep in mind that your funds may be invested in electronic REITs […]