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Author: Webber Advisors
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Difference Between Basic Insurance & Major Medical Insurance | PA Benefits Broker Services
www.livestrong.com By Jenni Wiltz Choosing a health care plan often comes down to cost, but don’t forget to compare the monthly premium with the amount of coverage you get. Major medical insurance is designed to cover you during everything from routine check-ups to major catastrophic events. Basic health insurance, by contrast, is a cash reimbursement…
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How Much Life Insurance Do You Really Need? | Employee Benefits Pennsylvania
Marvin H. Feldman www.lifehappens.org Some people equate life insurance with tragedy and death. In truth, life insurance is for the living. Without it, the sudden demise of a key breadwinner could leave a family stranded without the resources to maintain their lifestyle—or even retain their home. Not so long ago, professionals recommended that families carry…
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How to Find Existing Life Insurance Policies | Duncansville Benefits Broker
By Jackie Lohrey www.livestrong.com Whether your intent is to find existing life insurance policies for a loved one who passed or locate a policy taken out on you, the process can seem insurmountable if you do not know where to begin. Fee-based locator services may be able to help, but saving this option as a…
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Marketplace Notices Are Coming | PA Employee Benefits Specialist
www.thinkhr.com Under the Affordable Care Act (ACA), each Health Insurance Exchange (Marketplace) must notify employers when they have an employee who has received a government subsidy to enroll in a health plan through the Marketplace. These notices will begin being sent to employers in the coming weeks and months, either individually or in batches. Because…
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How Often Should You Have an Eye Exam? | Employee Benefits Daly PA
By Tracy Tabb www.livestrong.com Everyone knows you should get an annual physical checkup and a twice-yearly dental cleaning, but when it comes to the frequency of eye exams, it’s not as simple. Contact lens wear, visual changes, and risk factors for diseases of the eye indicate the need for more frequent comprehensive eye exams, according…
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Health Insurance Options For Domestic Partnerships | Pennsylvania Benefits Broker
Abridged from www.naic.org As States’ Laws Over Domestic Partnerships Continue To Change, Affected Consumers Need To Get Smart On Coverage Legalized marriage for same-sex couples continues to be a headline issue in states like New York, California and New Hampshire. However, in most states, domestic partnerships have little or no legal recognition. Domestic partners in…
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Dental Insurance and Preexisting Conditions | Duncansville Benefits Broker
By Barb Nefer www.livestrong.com Insurance is designed to offset major expenses in various life areas. For example, a homeowner’s policy covers damage to your house, while car insurance pays for repairs after an auto accident. Medical policies do not cover dental work, but you can get dedicated dental insurance. Dental policies vary, and many limit…
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6 Money Mistakes 20-Somethings Make—and What to Do About Them | Benefits Specialist PA
By Erica Oh Nataren www.lifehappens.org Life as a young adult may be wrinkle-free, but it isn’t always pretty. When we asked Helaine Olen, personal finance columnist at Slate.com and author of The Index Card, what she sees as one of the biggest stumbling blocks to financial well-being for 20-Somethings, student loans came to the fore.…
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Defend Trade Secrets Act Requires Immediate Action | Duncansville Employee Benefits
www.thinkhr.com The Defend Trade Secrets Act (DFTA) was signed into law (and became effective) on May 11, 2016. The act takes effect immediately for all employers and applies to any act that occurs on or after the date of enactment. The DFTA generally provides immunity for an employee’s action that would have otherwise constituted trade…
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What Blood Tests Are Performed in a Life Insurance Physical? | Employee Benefits PA
By Patty Tansang www.livestrong.com Overview A physical examination may be needed when you purchase a life insurance policy, especially for larger benefit amounts. Insurance underwriters use a multitude of factors to determine your risk of premature death, and hence, how much premium you will be charged. In addition to asking about your medical history (including…
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