The Different Types Of Travel Insurance Policies You Can Buy

Are you gearing up for an expensive vacation or a lengthy business trip? If so, then you may want to take a look at the various types of traveler’s insurance available to you. Traveler’s insurance can provide protection from canceled or interrupted trips. It can also assist you with the costs of medical coverage in the event of an emergency. Finally, traveler’s insurance can provide coverage for lost or stolen items. Check out these types of traveler’s insurance before your next trip. While you may never end up using them, they may be able to provide you with piece of mind while you are traveling.

Travel Health Insurance

Many people mistakenly assume that their health insurance will cover them in another country. This is not necessarily true. Whether or not you have coverage outside of the United States will depend on your particular policy. Call you provider and ask about your coverage if you are out of the country.

If your plan does not cover the expenses of international health care, you might want to look into a travel health insurance policy. Generally, these policies will only provide coverage in the case of an emergency. Therefore, a visit to the doctor might have to be paid out of pocket. However, the specifics will depend on the particular policy that you buy.
You should also be aware that traveling to countries that the US government has deemed unsafe may void your policy coverage.

Evacuation Insurance

This type of insurance will cover the cost of transporting you to a location where you can receive emergency medical treatment if it is not offered at your current location. Usually, this type of policy will only take you to the nearest hospital or medical center.

Trip Cancellation Or Interruption Insurance

This insurance provides coverage of the money that you lose if you need to cancel or interrupt your trip. The majority of these policies only take effect in the case of illness, injury or death to you or your immediate family member. Some policies also provide coverage if someone you are traveling with falls ill, gets injured or dies. Other cancellation and interruption policies provide coverage if you lose your job and can no longer afford the trip.
Other types of events that can be covered include your airline or tour company going out of business, a terrorist attack or inclement weather. It is important to note that war and outbreaks of disease usually are not covered.
Note that this type of insurance is generally reimbursement only. This means that you have to pay for the costs upfront and then submit a reimbursement form to the insurer to get your money back.

Baggage Insurance

If you are traveling with valuables, you might want to look into baggage insurance. This insurance can provide coverage in the event that your baggage is lost or stolen. Your policy will lay out how much the insurer will reimburse you for your lost items.
Note that many airlines already provide some form of baggage insurance. Many homeowners and insurance policies also provide some coverage for lost or stolen baggage. Look into these before purchasing a separate baggage insurance policy.

Travel Document Insurance

Ever worry about losing your passport? If so, you can purchase travel document insurance which will cover the cost of a replacement passport in the event that yours is lost or stolen.

Flight Delay Or Cancelation Insurance

This type of insurance will provide you with money for lodging, food and new travel arrangements in the event that your flight is delayed or canceled. There is generally a minimum amount of delay time that must occur before the insurance kicks in.

Packages

Many insurance companies offer travel insurance packages that include multiple types of coverage, sometimes at a discount. If you are interested in obtaining comprehensive trip coverage, you might want to look into one of these packages.
Sometimes the unexpected occurs and our travel plans get thwarted. If you are concerned about the possibility of losing money or valuables or needing emergency medical treatment, you might want to consider purchasing a travel insurance policy. If you do decide to buy a policy, make sure that you do your homework ahead of time so that you get the best deal and you fully understand what’s covered and what’s not covered on your policy.

Thanks to candofinance.com

How To Keep Your Employee Health Insurance Coverage If You Lose Your Job

Employees who lose their job suddenly face a number of challenges. Aside from the loss of income and a bruised ego, a significant challenge is the termination of benefits like health insurance. For people who carry health insurance coverage for their whole families through an employer, the sudden loss of a job means that their spouses and children have no coverage in the case of illness or emergency. Fortunately, there are ways employees can continue to carry health insurance in the event that they lose their jobs.

COBRA

There's a federal program in place that enables terminated employees to maintain health insurance coverage for up to 18 months following separation from their employer. According to the U.S. Department of Labor, the Consolidated Omnibus Budget Reconciliation Act (COBRA) requires employers to offer a continuation of coverage to separated employees and their dependents under the following circumstances:

• Voluntary or involuntary job loss
• Reduction in work hours
• Death
• Divorce
• Other major life events
• Transition between jobs

COBRA applies to employers who sponsor group health insurance coverage for 20 or more employees.
In accordance with COBRA, when an employee leaves a company, her employer must give her a written notice of the ability to continue her group health insurance. To qualify for COBRA coverage, employees must have been enrolled in the company's group plan prior to termination and the health insurance plan must remain in effect for active employees.

Electing COBRA Coverage

According to the U.S. Department of Labor, when employment is terminated or a qualifying event occurs that would cause an employee or dependent to lose health coverage, the employer must notify the health plan administrator within 30 days. If a qualifying event involves divorce, death or legal separation from the covered employee, the qualified beneficiary must notify the plan administrator within 60 days.
The plan administrator will then send an election notice to the employee or qualified beneficiary within 14 days of being notified. From this point, the employee or beneficiary has 60 days to decide if they wish to elect COBRA coverage.
An employee that chooses to enroll in COBRA coverage must pay the initial premium within 45 days.

Key COBRA Considerations

People are typically shocked by the cost of COBRA coverage. When a person elects COBRA coverage, they're required to pay the full premium. The employer no longer contributes to coverage because the employee or their dependent has separated from the company. According to the Department of Labor, individuals who enroll in COBRA coverage may be required to pay up to 102 percent of the plan costs. This can be prohibitively expensive depending on the cost of the plan and the employee’s income.
The benefits employees receive under COBRA do not differ from those received as an employee and individuals cannot be rejected or charged more due to health conditions or history.
Qualifying employees and beneficiaries are able to maintain their current health insurance through COBRA for up to 18 months.

Other Health Coverage Options

According to the personal finance magazine Kiplinger, COBRA coverage isn't always the wisest choice. Group health plans tend to come with high costs, most of which (about 75 percent) are typically covered by the employer.
Today, thanks in part to the growing self-employed sector, separated employees and dependents can opt to purchase individual health coverage on their own in lieu of continuing group coverage through COBRA. Many find this option to be cheaper than enrolling in COBRA.

Comparing Costs And Coverage

Kiplinger.com reports that the average costs for COBRA coverage range from about $4,700 annually for individual coverage to about $12,700 annually to continue coverage for an entire family.
Average costs for individual health insurance policies are significantly less expensive. Kiplinger.com estimates average costs for individual health insurance plans purchased through eHealthInsurance.com range from about $1,900 annually for an individual and $4,400 for a family. Rates may vary based on coverage, deductibles and copay amounts.
Comparing and evaluating individual health plans can be complex for many families. Plans vary in deductible amounts and excluded procedures. Prenatal care, for example, may not be included unless an additional rider is purchased.

Pre-Existing Conditions And Other Considerations

Unlike COBRA, individual plan administrators can deny coverage to an individual based on pre-existing health conditions and they can also charge higher premiums for high-risk individuals. However, when certain parts of the Affordable Care Act go into effect in 2014, they will make it illegal for insurers to deny coverage or increase premiums for pre-existing conditions or high-risk persons. You should note that there is some risk that Congress will overturn or modify the Affordable Care Act which could reverse these changes in coverage requirements.
In the meantime, the U.S. Government has created its own Pre-Existing Condition Insurance Plan (PCIP) to help people with pre-existing conditions get coverage. States may choose to administer the plan and the U.S. Department of Health and Human Services offers the plan in states that don't. To qualify, an individual must meet the following criteria:

• Individuals must have been denied coverage based on a pre-existing condition by a traditional health insurance provider.
• Individuals must have been uninsured for the past six months or longer.

Although COBRA coverage can be expensive, it is important to realize that it is available to most people who lose their job. This is especially important to those who have serious medical issues. However, you should also know that an individual health insurance policy is another option. If you lose your job, compare the costs of COBRA with the costs of buying an individual insurance policy. This will help you to make an informed choice about how to maintain health insurance coverage.
Sources

AIG Life Insurance

Fast Overview

American International Group, Inc. (AIG) is large insurance company that is headquartered in New York. AIG has additional offices abroad in London, Paris, and Hong Kong. Until 2008, AIG was one of the largest publicly traded companies in the United States and abroad.

Since September 2008, AIG has been featured extensively in the media. After almost 100 years of operation, AIG began to fail due to an inability to meet financial obligations to creditors. The company's failure began with its lowered credit rating that resulted in a liquidity crisis. Lenders perceived AIG as a risky business, and the company could not recover through loans and additional lines of credit.

In September of 2008, the Federal Reserve Bank offered AIG a bailout of $85 billion. The government received an equity stake with AIG in return. In simple terms, taxpayer dollars are currently helping AIG maintain its daily operations as the company continues to stabilize. Since the bailout, AIG has been subject to extensive media and public scrutiny. AIG employees even started receiving hate mail and death threats.
Since the bailout, AIG has continued to offer life insurance services. Even now, the business has been unstable: the company has gone through several CEOs, is selling its subsidiaries, and is experiencing net losses. In any case, AIG's life insurance products and services remain steady.

Benefits

AIG provides flexible options for individuals and insurance brokers with services that include a comprehensive product portfolio, marketing management tools, and constant product development for a variety of plans that include Term Life Insurance, Universal Life Insurance, Variable Life Insurance, and Whole Life Insurance. Policy holders select plans that match their financial objectives. For example, people might wish to invest their death benefits, or they may wish to designate beneficiary who receives a certain amount of cash. AIG's insurance plans may be used to cover funeral expenses. Even though AIG's business is undergoing a major overhaul, its available services remain steady and reliable.

How It Works

You can think of life insurance as a contract between an insurer and a beneficiary. When the policyholder dies, the insurance company will pay the beneficiary. The policyholder can purchase or receive life insurance in a number of ways. Some companies provide options for subsidized life insurance as a benefit to employees. People might also want to purchase life insurance policies to ensure that a family remains secure and stable. You can pay for life insurance on a monthly, quarterly, and annual basis.
AIG was able to offer a wide variety of life insurance options after acquiring American General Life Companies in 2001. At the time of acquisition, American General Life Companies had operated for over 75 years. This merger positioned AIG with the ability to offer life insurance services to corporations, associations, and individuals.
AIG provides specializes in five types of services for life insurance:

• AIG provides life insurance packages for institutions looking to buy plans for many members or employees
• Universal Life insurance allows policyholders to change premiums and coverage amounts as life situations change. The policyholder is always covered no matter how the life insurance plan adjusts. American General will issue benefits as long as the policyholder pays the minimum premium amounts.
• Unlike Universal Life insurance, Whole Life insurance remains the same throughout a person's life. You can plan for the amount that your beneficiaries will receive in the event of your death.
• Term Life insurance is in place for a certain amount of time. You can select packages that keep you covered for 10 to 25 years. With Term Life insurance, you can customize your package to buy only the insurance that you need. You can avoid paying additional premiums for life insurance packages that you do not need.
• Variable Universal Life insurance allows you to allocate your death benefit. You can choose to receive cash, or you can choose an investment package. You can also select a combination of both.

Cost/Pricing

Costs vary substantially based on individual needs and preferences. If you'd like to be insured for a greater amount, you will need to pay more. In general a $1 million policy will be more expensive than a policy for twenty thousand. If you are a company seeking to provide life insurance to employees, you can typically negotiate your rates. Your rates may vary by your company size and number of employees. If you are an individual, it is cheaper to receive subsidized life insurance by your company. Company subsidized policies can be free or of very low cost to you. If you are interested in purchasing life insurance through AIG, you should work with an agent or broker to review your options.

Timing

You can purchase a life insurance policy at any time. The best time is when people are dependent on you for money. If you are supporting a family or if you have debt with cosigners, you'll likely want to be prepared. Even if you are young, you should be responsible and assess potential financial impacts of your death. After an emergency, you do not want to leave your family or dependents suffering from additional financial burdens. Even though AIG is undergoing a major corporate overhaul, its available services are steady and reliable. If you are thinking of purchasing a plan through AIG, the best time to start your research is now.

Companies/Industries

AIG provides life insurance services through American General Life Companies. You can also learn more from AIG's corporate website.

How Much Life Insurance Coverage Do I Need?

Life insurance is supposed to make things easier for those you leave behind. It's designed to help pay for your final expenses, pay off your loans, make sure your children can go to school and help your family survive without your income. But how much insurance coverage do you need to have to make sure all of that is paid for?

Reasons For Coverage

The most common reasons to obtain life insurance are to cover the costs of:

• Funeral Expenses: Life insurance can pay for a funeral and burial and related expenses. Experts recommend budgeting for approximately $15,000.
• Loans: Life insurance can pay off debts such as mortgages, car loans and student loans so that loved ones do not have to carry the burden of these expenses. It is up to the insured to decide how much coverage to buy based on the amount of debt versus what a surviving spouse will be able to afford. There are online calculators to help with decisions about insurance coverage.
• Education: Life insurance can help pick up the cost of college education. Keep in mind that economic experts advise that the cost of college will increase about 5 percent each year so make sure to take this into account when calculating how much coverage you will need.
• Income Replacement: While your dependents may need supplemental income from life insurance to make up for your lost paycheck, they won't need 100 percent of your salary if debts, loans and educational expenses have all been handled.

How Much Insurance Do You Need?

There is no hard and fast rule for the dollar amount of insurance coverage each person needs because life circumstances differ greatly.
Many financial experts suggest coverage worth five to ten times your annual salary. Someone with no dependents might need a lot less insurance. Someone carrying large amounts of debt may need more.
Some financial advisers also believe in minimal life insurance coverage for the person who is not the primary earner in the family. It's important to remember that life insurance isn't strictly about income replacement. A stay-at-home parent may not be bringing in a paycheck that needs to be replaced, but if he or she died suddenly and the primary earner had to hire a housekeeper and pay for child care, the family's expenses would rise considerably.

When You Might Need More Insurance

Some life events may trigger the need for more life insurance. Kiplinger's financial data service notes that the following life events may warrant an increase in life insurance coverage:

• Getting married
• Having a child
• Buying an expensive home
• About to retire or leave your job - Many companies provide life insurance policies for their employees. Losing the company policy may leave a void that a personal policy must fill

Term Vs. Permanent Coverage

Term life insurance is the most basic form of life insurance. Term life policies are purchased for a set period of years. The policy expires at the end of the term whether death benefits have been paid or not. Families with small children often select term insurance policies for the number of years that those children will be dependents. Additionally, policies offered by employers are generally term insurance.
Permanent life insurance provides coverage for the lifetime of the covered individual. Because it does not expire, permanent life insurance is generally more expensive than term insurance. Additionally, permanent life insurance has an investment component to it which can fluctuate in value. The investment component can include stocks, bonds or money market funds. Many permanent policies will allow you to borrow against the value of the investment component.

Buying Life Insurance

The process of acquiring a life insurance policy requires a paperwork trail and patience. Providers generally require a medical exam before writing a policy. The exams are usually done by medical professionals who provide mobile services and meet clients in their home or office. The medical professional usually asks general health questions. The exam can often include blood work, urine samples and sometimes more sophisticated tests like EKGs and x-rays.
Providers look for markers of unhealthy lifestyles like tobacco or illegal drug use. They also want to pinpoint any conditions that could affect your life span.
The larger the policy and the older the applicant, the more tests they are likely to require.
Additionally, insurance companies share information about medical histories through a national clearinghouse.

How To Choose A Provider

There are many insurance companies underwriting life insurance policies. They offer different amounts of coverage at different prices. Providers also differ in the amount of fees and commissions they charge for a policy. Therefore, it makes financial sense to get more than one quote on a policy.
You also want to make sure you have selected a financially healthy provider for your coverage. After all, a life insurance policy is worthless if the company you have it with goes out of business. Standard & Poor's rates providers that offer insurance services on financial stability and the ability to payout policies and contracts.
Life insurance is an important part of estate planning. It's a way to make sure that your finances are in order and your death does not cause undue financial hardship to your family. Insurance comes in different forms and in different amounts. Selecting the necessary coverage requires a long, hard review of your expenses and debts and a practical view of how much money those you leave behind will need.

Thanks to candofinance.com

How To Get The Best Deal On Car Insurance

Auto insurance is not just an option, it is required by law. Before beginning your search for the best car insurance rates, it is important to know what is mandatory in your state of residence. Each state has a specific amount of auto insurance that its occupants are required to maintain. Once you have determined the amount of auto insurance that you need, you can begin shopping around. Here are some tips to help you get the best deal on car insurance.

Maintain A Good Driving Record

There are many factors that can influence your car insurance rates. One of the most prominent factors is your driving record. If you maintain a good driving record, your rates will likely be lower. Before you go shopping for insurance rates, obtain a copy of your driving record and make sure the record is accurate and up to date. Maintaining a good driving record includes:

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• Having had no insurance claims made.
• Having had no accidents.
• Having received no traffic tickets in the last 3 years.

Get Car-Specific Quotes Before You Buy

If you’re in the market to buy a car, be it new or used, call your insurance company and ask for quotes for the specific type of car you are considering before your purchase it. Insurance rates vary greatly for new or used cars and between various makes and models. Discovering your projected insurance premium may sway your ultimate car buying decision. Also, keep in mind that a car with certain safety features may lower your insurance premiums. Safety items that may influence insurance premiums include:

• Anti-theft devices
• Anti-lock brakes
• Tracking devices
• Air bags

Take A Defensive Driving Course

In some states, insurance companies offer discounts for drivers who have completed a certified defensive driving course. Spending a few hours learning safety tips and rules of the road may lower your insurance premium. Check your local library, department of motor vehicles or search the Internet for places that offer defensive driving courses.

Ask For Discounts

Many insurance companies give discounts for various reasons. Many people are not aware of this fact or don’t inquire about discounts that are available to them. Don’t be afraid to speak up and ask about discounts you may qualify for. Insurance companies offer discounts for several reasons including:

• Good driving record
• Customer loyalty
• Good student, maintaining a B average or better
• Driver’s education
• Multiple policies with the same company, such as home and auto
• Safety equipment
• Higher deductibles, the higher the deductible the lower the premium
• Group discounts through your employer or alumni association

Inquire About Top Tier Pricing

Insurance companies place customers into tiers based upon the probability that they will follow-up with a claim. Price wise, it is best to be placed in the top tier. Drivers placed into the top tier may save up to 15 percent on their auto insurance premiums. Insurance companies base top tier pricing upon factors including:

• Having had no claims or few claims in the last several years.
• Living in an area that has a relatively low car theft rate.

Check Insurance Company Websites

When searching for the best car insurance rates, don’t leave out the Internet. You may be surprised to find that your least expensive rates come from Internet websites. Insurers estimate a savings of approximately 5 percent on auto insurance rates when getting quotes from insurance websites. Many companies offer web only discounts, the reason being that companies have decreased transaction costs when operating online. This savings can be passed on to the consumer in the form of lower rates.

Consider A Higher Deductible

Aside from basic liability coverage, insurance companies offer comprehensive and collision coverage. Both services come with higher insurance premiums and your choice of deductible. Deductibles usually range from $250 to $1,000. A deductible is the amount of money you will pay out of pocket before your insurance company picks up the remainder of the repair bill. Typically, the higher the deductible, the lower your insurance premium will be. If your car is damaged in an auto accident, collision coverage will pay for repairs once you have met your deductible. Comprehensive insurance benefits pay for the loss of your vehicle due to factors other than a car accident including:

• Theft
• Vandalism
• Weather

Many people don’t shop around for car insurance. They continue to stick with the company they‘ve been with year after year. While this may be a good thing in terms of loyalty, you may be missing out on much cheaper premiums elsewhere. Do some research and you may be pleasantly surprised at what you find.


Thanks to candofinance.com

9 Tips On Reducing Your Health Care Costs

Health care costs are rising, and many people are feeling the pinch when it comes to paying their medical bills. Fortunately, there are some easy ways to reduce your health care costs. Try these tips to ensure that you’re not overspending on health care.

Use Preventative Services

Find out which preventative services your health insurance covers and take advantage of them. Even if you feel totally fine, you could be suffering from health problems without even knowing it. More importantly, you can find out if you’re at risk for certain costly health conditions such as heart disease, diabetes or osteoporosis. Many preventative services are offered under major health insurance plans and even if there’s a small co-pay it could be well worth it to you in the long run.

Buy Generic Prescriptions

What if your insurance won’t cover the cost of your prescriptions? You can often get a much more affordable drug if you look for the generic brands instead of the big-name brands. In many cases, these drugs are practically identical and will offer you the same benefits at a fraction of the price of the big-name prescriptions. Speak to your pharmacist to make sure that a switch to an off-brand drug won’t negatively affect your health or result in any unforeseen side effects.

Go To Doctors In Your Network

Insurance companies almost always have a list of doctors and hospitals which are in their network. Going to these health care providers will save you a lot of money compared to going to ones which are not in your insurance’s network. Always check with your insurance company to make sure a doctor or hospital is in your network before going there. In addition, it’s good to know which hospital in your insurance’s network is closest to your home and your work. If there is an emergency, it’s also good to know which hospital you’d prefer to go to if possible.

Use ERs Only For Emergencies

There are obviously certain situations in which a trip to the ER is absolutely necessary. But in cases where you could possibly wait until the next day to see a doctor or go to a local ambulatory care center or walk-in clinic instead, you should always choose to do so. ER costs are often astronomical compared to a visit to a doctor or a clinic. Check with your doctor to find out if they have an off-hours emergency line. You may be able to get input from them if you’re having trouble deciding whether to go to the ER or not.

Always Ask About Procedures

Many times, doctors will recommend tests and procedures in the best interests of your health even if they are not necessary. It’s important to find out whether a treatment or test is required and what would happen if you opted out of them. A single MRI can be a very expensive procedure even if you have health insurance so always make sure it’s necessary before undergoing expensive treatments or tests. In some cases, a doctor may offer different options that are more suited to your finances.

Keep Good Records

Always keep track of your medical bills over the course of the year. Come tax time, you may be eligible for some tax breaks depending on your situation. It’s not just hospitable bills that you need to keep either. Many other bills and health care expenses may qualify including x-rays, physical therapy, eye glasses, contact lenses, hearing aids and psychiatric care. If you’ve never received a deduction for health care costs before, you may want to consult a tax professional before adding these items to your tax returns.

Have Your Records Transferred

If you move or decide to start visiting a new doctor, make sure your previous doctors will transfer your medical records over to your new one. This can save you a lot of money since it usually eliminates the need for the new doctor to perform tests to assess your current health. Having your past records may also help them diagnose you faster without having to perform more tests or procedures. For example, dental x-rays are very costly so having your old ones transferred over can save you a bundle.

Only Buy OTC Drugs When Necessary

Many people rely heavily on over-the-counter (OTC) drugs. Though these drugs seem inexpensive and convenient compared to a doctor’s visit or prescription drug, the costs can quickly add up if they are overused. For example, if you have chronic headaches and constantly take Tylenol or Advil, you’re spending a lot to treat a symptom without finding the underlying cause. The same goes for colds and allergies. OTC drugs won’t cure these conditions, they just ease the symptoms.

Don’t Neglect Your Mental Health

Many people underestimate the impact that their mental health can have on their life. If you feel that you may be suffering from depression, anxiety or any other psychological issues, see your doctor as soon as possible. Taking care of these issues can save you a lot in the long run since those problems could lead to issues at work, in your marriage, etc. In many cases, your family doctor can prescribe mood stabilizers so that you don’t have to pay the cost of visiting a psychiatrist. Of course, if this doesn’t seem to help with your symptoms, it’s worth it to see a psychiatrist about these issues.
The next time you experience a health issue, think before you act. Taking time to do a little research, talking to your doctor or consulting your health insurance company before getting treatment could save you a lot of money in the long run.

Sources :
http://www.candofinance.com

Are work-related Injuries Covered by Individual Health Insurance?

Most health insurance companies do not cover work-related injuries. The main reason for that is a higher risk inadequate to the premium charged as well as duplication of coverage with Workers Compensation Insurance which is responsible for covering work-related injuries.
In most states employers are obligated by the law to purchase such insurance for their workers. Workers compensation covers mainly costs of medical care (hospital stay, doctor visits) and the loss of income due to work-related accident.

However, there are health insurance companies that offer coverage in case of an accident or illness being a result of work. Usually, they require a slightly higher payments and restrict some occupations with a higher risk of bodily injury such as: police officers, firemen or road workers. Among groups of those who are often covered are construction workers such as: painters, electricians, carpenters or even roofers.
If you're interested in an insurance policy that covers work-related injuries, all you have to do is fill out our quick form and we will contact you with insurance agents in our network that will help you choose the plan that best fits your needs. Always remember to double check if the work-related injuries are covered before signing the insurance contract.