If you're at the age when it's time to get your finances in order for retirement and beyond, one thing you may want to consider is long-term care insurance. It's fairly common to need home health care or nursing home care in your senior years, so you want to think about how you'll pay for it. Buying a long-term insurance policy while you're still fairly young means your premiums are lower since it should be several years before you need to use it.
You're getting ready to turn 65, and are set to apply for Medicare. But wait—is that the only insurance you need? Medigap is a supplemental policy that covers some of the costs that Medicare Part A and Part B don't. It may pay for (or help you to pay for) deductibles, copays, and coinsurance. Before you buy a policy, take a look at what you need to know about this supplemental insurance.
Though autumn brings gorgeous leaves, fun events, and great times with friends, it also ushers in cold and flu season. If you are feeling under the weather, it can be tricky trying to figure out if you need to see a doctor. You don't want to waste your time or the doctor's time, and it is frustrating having to pay a co-pay for a visit that wasn't necessary. Understand what signs and symptoms warrant an immediate visit or call to the doctor's office.
For the last year, the court system in the United States has dealt with a steady stream of cases regarding the status of drivers who work for the new ride-sharing services. At issue is whether these drivers are classified independent contractors or actual employees. Several states, including California and Utah, have determined that drivers are employees and not independent contractors. However, the ride share parent companies are fighting these decisions. The companies assert that due to the autonomy and freedom of the drivers and the way they accept and are compensated for assignments, drivers are independent contractors.
If your company is looking for a way to offer additional benefits to your employees without adding any costs to your business's bottom line, then you will be happy to learn that this is possible by starting a voluntary benefits program.
Voluntary benefits are paid for by your workers and are appreciated by employees because they offer access to group rates that are often much cheaper than trying to obtain the same coverage as an individual.