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If your insurer refuses to pay for a treatment or procedure that you believe should be covered, use our guide to appeal....
Protective gear is like the disability insurance in your financial plan. You don't expect you're going to need it. But you might. The post Why You Need Disability Insurance (and I Need Shoulder Pads) ...
In determining your retirement benefits from Social Security, as well as those of any dependents who may claim benefits based upon your record, the Primary Insurance Amount, or PIA, is an important fa...
My experience with my father's long-term care insurance company has not been an easy one. But I've learned quite a few lessons. The post Financial Lessons from My Family’s Experience with Long-T...
Among the ideas on the table: Simplifying the benefit structure and switching from a cash benefit to one that reimburses people for their out-of-pocket expenses....
Residency comes with unique financial challenges. Still, renters insurance is an affordable and practical protection that is much needed. The post Life Changes and Renters Insurance Needs: How Residen...
I (54yo) have term life insurance through age 60. My target retirement is tentatively 61yo. By this age I will have a military pension, VA disability compensation, and over 1 million in 401K/IRA. My u...
Answering questions about whether you can have an HSA and FSA at the same time, and we take a deep dive into malpractice insurance with information about lizard tails, veto clauses, and hammer clauses...
Savvy docs consider disability insurance their most important insurance policy. Here are 12 reasons why residency is the best time to buy it. The post Top 12 Reasons to Buy Disability Insurance as a R...
The cost to employers of providing their workers with health insurance has remained fairly stable for years. At first blush, this seems like good news for workers. When benefit costs rise, employers t...
If you're looking to lower the cost of how much you pay in homeowners insurance premiums, here are some tips to think about. The post How to Reduce Homeowners Insurance Costs Without Sacrificing Cover...
I’m 3 months away from retiring at 59.5. Can’t wait, but feel I need to stick it out until then so can be on COBRA for 1.5 years then start private insurance at start of 2027. (also waitin...
Insurance expert Mike Smith breaks down how long-term care health insurance options have evolved in 2025 to provide a wider variety of coverage choices in retirement....
A common question from female docs is whether disability insurance covers pregnancy-related issues. The short answer is no and yes. The post Pregnancy Disability Insurance appeared first on The White ...
Don’t ignore the threat of long-term care expenses since they seem so far away; everybody needs a strategy to address this threat....
I hadn't shopped around for insurance in decades, so I took some time and went through Farmers Insurance Choice to see if I could save money. The post I Hadn’t Shopped for Insurance in Decades &...
ProFeds Founder, Chris Kowalik, explores the rules for keeping various government insurance programs such as health (FEHB), life (FEGLI), dental and vision (FEDVIP), and long term care (FLTCIP).). KEY...
Regularly reviewing the types and amounts of insurance coverage is essential for a comprehensive financial plan....
Answering reading questions about tail insurance coverage, annuities and whole life insurance and why you should avoid these products, and the implication of property tax and home insurance. The post ...
Hey all, I’m a few years out from retirement and I’m paying off things, saving for the insurance shortfall until Medicaid kicks in, etc. I’m throwing most of my “extra” m...
The insurance provider will join the platform's Workday Wellness...
Contingent deferred annuities represent product manufacturers' latest appeal to independent RIA advisors and their clients. Here's how they're making the case....
If I don't continue at my current job, I'll need health insurance for approximately 1-1.5 years until Medicare is an option at 65. Cobra is expensive, so what have others here with perhaps similar sit...
Since its inception in 1935, Social Security has expanded its mission and reach. Here is how each president from Roosevelt to Trump has impacted Social Security....
The consequences of burnout extend beyond the emotional toll; they also raise questions about disability insurance's role with mental health. The post Mental Health, Physician Burnout, and Disability ...
If you don't buy long-term care insurance, how can you plan to cover your long-term care needs once they (most likely inevitably) arise?...
Insurance is a smart way to protect your car, home, and family. But overpaying for it? That’s money better spent on your dreams and priorities. Many people settle for overpriced policies simply ...
There’s a gap most people have in their insurance plans, and it eventually could cost them a bundle....
A recent Supreme Court decision in Connelly v. United States has sent shockwaves through closely held businesses employing life-insurance-funded redemption-type buy-sell agreements. In this episode, w...
Owning a car is becoming more expensive, with the December 2024 Consumer Price Index revealing soaring motor vehicle insurance costs....
My husband carries the insurance and will retire at 64. I’m retired early due to an injury and I’m collecting SS I’m 64 in April. My question..if he retires at 65 in January, I will ...
Cheapest Car Insurance in Ohio 2025: Get the Best Rates Today...
Putting together a team of advisers to assist with insurance, taxes and other financial issues can help with security, growth and peace of mind....
My wife and I are 62 & 63 respectively. Our kids are grown, out of the house and employed. Our house is paid off, and we have no debt. For 20 years, my wife & I had level plan term life insura...
Did you know that a whole life insurance policy can actually help you make money? It’s true—and it’s a strategy often used by those with higher incomes. For those seeking life insura...
Even if you're young and single with no dependents, you may need some life insurance. Here's how to figure out what and how much you may need....
What is a doctor or a surgeon? A highly trained, highly skilled, and highly knowledgeable professional? Yes. But what if ... Read more...
We figure that less than one-third (or maybe even one-fourth) of doctors who need disability insurance aren't buying it. It's scary stuff. The post Go Buy Disability Insurance! appeared first on The W...
What do you all do about dental and vision insurance/care, especially for those who retired before 65? We are all set for medical care due to a wonderful old time pension that includes health insuranc...
Worried about legacy planning, market volatility or where to get cash to cover surprise medical or home repair bills? This little-known tool could help....
If public long-term care insurance is to be self-sustaining, as it should be, it must be accompanied by some kind of tax increase....
Today we are going to be talking about Medicare Insurance. We all need coverage, and unfortunately, insurance coverage can be a mystery to most because it can become so complicated. Let’s go ove...
Medicare regulators want beneficiaries to be told explicitly about some potential risks of signing up for Medicare Advantage plans instead of original Medicare....
Assess the cost considerations of long-term care insurance for retirees and pre-retirees....
Today's long-term care insurance offers retirees more appealing options, which can preserve assets and protect the financial stability of a healthier partner....
Looking for affordable car insurance in New Mexico for 2025? Our guide covers state requirements, the cheapest providers, coverage options, and tips to save on premiums, helping you secure the best ra...
I am retiring at the end of the year at age 60. I had hoped to continue our health insurance (Excellus Simply Blue Plus Platinum) through my employer by doing consulting for them in 2025. Just found o...
Discover the best car insurance in New Jersey for 2025 with this comprehensive guide. Learn about state requirements, average costs, top providers, money-saving tips, and discounts to help you find af...
I am 61 years old. I retired in 2023 and receive a pension. As part of that pension I am allowed to, and do, pay for the same health insurance that I was getting as an employee. The difference is I mu...
Discover the unique car insurance landscape in New Hampshire, one of the few states where insurance isn’t mandatory for drivers with clean records. Learn about the 2025 rates, top providers like...