Category Archives: Health Insurance

A Legacy with a Special Purpose

According to the 2010 census, people with special needs make up nearly 20% of the U.S. population.¹ Furthermore, nearly 20 million American families are raising children with disabilities.² Taking care of a loved one with special needs can be an … Continue reading

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Businesses Face Health-Care Decisions

Although the Affordable Care Act does not require companies to provide employee health insurance, business owners may want to pay special attention to the law’s tax implications. Large employers that do not offer workers a minimum level of essential health … Continue reading

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The Empty Nest: An Opportunity to Build Retirement Savings?

The 2006 film Failure to Launch told a humorous story of an adult son who couldn’t seem to leave his parents’ home. Although the plot was fictional, this scenario has become more common in real life — about three in … Continue reading

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Considering the Costs of Long-Term Care

It may not be pleasant to think about the possibility of being unable to take care of yourself, but about seven out of ten people over age 65 are expected to need some form of long-term care during their lifetimes.1 … Continue reading

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Understanding High-Deductible Medical Plans

In 2012, total health-care costs for an American family of four covered by an employer-sponsored PPO insurance plan averaged $20,728. Employers contributed $12,144 of the total and employees were responsible for $8,584 (through payroll deductions and out-of-pocket expenditures).1 Rising health-care … Continue reading

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Having a Backup Plan

As people work longer, they often carry major financial responsibilities, such as mortgages and college loans, into their later years.1–3 Someone who has high medical expenses or a spouse who no longer works may have to shoulder a heavier load … Continue reading

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Don’t Let a Disability Cripple Your Family’s Finances

You probably understand the important role that life insurance can play in helping provide for your family in the event of an untimely death. But did you know that a 40-year-old man is three times more likely to suffer a … Continue reading

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