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Are You Underestimating Your Need for Disability Insurance?

If you don’t place a high priority on disability insurance, you are not alone. Although most people underestimate their chances of disability, the risk is higher than you might think. Approximately one-third of the population will experience a disability before 65, as reported on Kiplinger. Underestimating the odds of needing disability insurance could be a big mistake. According to TMA Insurance Trust: Approximately one in...

Social Security vs. Medicare

Social Security and Medicare are related. Many seniors begin receiving benefits from both at approximately the same time. However, they are two different programs administered by other federal agencies, which provide different benefits to older adults. What Is Social Security? Social Security was created to promote the economic security of Americans. It is administered by the Social Security Administration (SSA) and designed to pay continuing...

5 Life Insurance Myths Debunked

Buying life insurance may not be an easy decision to make. Planning in case of one’s own death is not a pleasant subject. However, it is a crucial step to protect your loved ones and plan for your financial future. The better you understand it, the more informed your decision will be when you purchase a policy. The following are five myths debunked about life...

How to Avoid Medicare Penalties

Medicare charges late enrollment penalties that take some people by surprise. These penalties are designed to discourage older Americans from passing up Medicare coverage and possibly incurring high medical bills down the road. Take steps to avoid these penalties, so you do not have to pay higher Medicare premiums. What Penalties Does Medicare Impose? You end up paying more for Medicare if you enroll late...

How to Prepare For Your “Welcome to Medicare” Visit

If you are new to Medicare, you are embarking on a new phase in your healthcare journey. One of the first things you will do is schedule a “Welcome to Medicare” visit. Medicare covers this visit. When scheduling this first visit, ensure the medical provider you choose accepts Medicare. When you choose your Medicare plan, ensuring you will retain access to your usual doctor could...