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Newsletter

Life & Disability September 2019

Volume 2, Number 12
Life, Disability and Long-Term Care Insurance News
IN THIS ISSUE...

  • SEPTEMBER IS LIFE INSURANCE AWARENESS MONTH: BROOKE SHIELDS’ PUBLIC SERVICE ANNOUNCEMENT
  • SIX LIFE STAGES THAT TRIGGER THE NEED FOR LIFE INSURANCE
  • MOST WOMEN DON’T HAVE DISABILITY INSURANCE AND WHY THEY NEED IT
SEPTEMBER IS LIFE INSURANCE AWARENESS MONTH: BROOKE SHIELDS’ PUBLIC SERVICE ANNOUNCEMENT
SIX LIFE STAGES THAT TRIGGER THE NEED FOR LIFE INSURANCE
MOST WOMEN DON’T HAVE DISABILITY INSURANCE AND WHY THEY NEED IT
The following article by Evelina Nedlund appeared in the August 7 issue of Employee Benefit Adviser .

More than one in four working women will experience a serious work disability at some point in their career. Yet over half of single female workers, 20-65 years old have no disability insurance, according to new research from the Council for Disability Awareness.

Without the income protection disability insurance provides, these women may experience greater financial difficulty than those in two-income households, if they miss work due to illness, injury or pregnancy. That equates to about 32 million unmarried women workers — 25% of today's workforce — who are under-insured for a disability, the survey finds.

"We've always known that women had higher rates of disability throughout their working careers than men, excluding pregnancy,” says Carol Harnett, president of the Council for Disability Awareness. “But we were surprised to see how few single women have disability insurance or other forms of income protection, or thought to get it."

The survey also found that 52% of all single working women have no disability insurance at all. Of those who have disability insurance, only a little over half say they have enough.

The most common cause of short-term disability is pregnancy. That’s because new moms can use short-term disability coverage as paid maternity leave while they recover after the child birth. Cancer, mental health issues and back disorders are three major causes of long-term disability.

If an employee loses their income, it is critical to have financial back-up. A household with two incomes has more financial security, which is why income protection is even more important for single employees to help them remain self-sufficient, says Vidal Peoples, financial specialist at insurance company Guardian.

“One's greatest asset is the ability to get up in the morning and go to work, so nothing else works if my income stops,” Peoples says. “You need to put things in place that will allow you to sustain your lifestyle.”
2020 Schedule
Affordable Care Act Open Enrollment
November 1, 2019 Open Enrollment begins.
December 15, 2019 is the last day to enroll for 2020 on the federal facilitated marketplace.
January 1, 2020 Coverage starts.

2020 Schedule
Medicare Annual Enrollment Period
October 1, 2019 Pre-enrollment period starts. 2020 plans can be discussed.
October 15, 2019 Enrollment starts.
December 7, 2019 is the last day to enroll for a 2020 plan.
January 1, 2020 Coverage starts.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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