It depends. For most people the answer is no. When you join Medicare at the age of 65 or possibly later on if you keep working, you have the ability to be a part of open enrollment. The open enrollment period gives you a set amount of time where you are able to get on […]
Does your health status determine what Medicare plans you can join?
What to know leading up to my 65th Birthday
Turning 65 is a big deal, but the 3 months leading up to your 65th birthday are an even bigger deal. Signing up for Medicare is very specific on what you need to do and when you need to do it. You can’t sign up too early, and if you sign up too late you […]
Does Medicare cover long term care?
Does Medicare cover long term care such as assisted living and nursing home? The answer is no. When reading through your Medicare policy, you might get confused by the terms, “skilled nursing care” or “100 days of coverage.” These terms may sound like nursing home coverage but they are actually rehabilitative coverages that covers acute […]
Pros and cons of Medicare Advantage and Medicare Supplements
Both Medicare options offer advantages based on your budget and lifestyle There are advantages and disadvantages to choosing either Medicare Supplements that compliment your Medicare coverage, or choosing Medicare Advantage. The best option will depend on your personal preferences and situations. What are Medicare Supplements? Medicare supplements are designed to fill the gaps of Medicare. […]
Do I need to sign up for Medicare if I’m still working at 65?
There’s a few exceptions, but you can still sign up for Medicare Part A Many people are continuing to work after turning 65, which is the traditional retirement age and is the age of eligibility for Medicare. If you’re one of those people, there’s some important things to consider that can determine if you should […]
When do I need to update my business insurance policy?
Business is always changing, but it’s important to keep your agent in the loop If you’re like most people, chances are that you think about your insurance program about as much as you think about the dentist – once or twice a year. You could face significant gaps in coverage if you don’t keep your […]
What is General Liability Insurance and why do I need it for my business?
The standard commercial insurance policy that all businesses should have If you’re a new business owner or getting ready to start your own business, you’ve no doubt heard of general liability insurance. Besides the incorrect idea that it covers you for everything, what is general liability insurance exactly, and why does your business need it? […]
What is Professional Liability Insurance and why do I need it for my business?
This policy provides critical coverage for consulting and service-based businesses As important as general liability insurance is for nearly all types of businesses, there are some specific businesses that need another type of commercial insurance: professional liability. If you have a claim, having professional liability insurance could make the difference between keeping your doors open […]
Working on summer home improvement projects?
Summer is the most common time for home improvement projects. People have more time on their hands and the weather is nicer. These projects might improve the look and feel of your home, but did you know they also might impact your homeowner’s insurance? As you complete your home improvement projects, telling your friends, family […]
5 Insurance Mistakes Made by Restaurant Owners
As the owner of a restaurant, you know what it takes to start a business and better yet, keep it running smoothly. You also know that insurance for your business is essential, and it is easy to make mistakes when purchasing your business policy. So, when it comes to purchasing the insurance policy for your […]
