Supplemental Benefit Series: Short Term Disability and Accident Policies


Often, I receive inquiries from individuals wanting to purchase Short Term Disability on an individual basis.  Typically, carriers will not offer short term disability individually as it is not cost effective.  Standard short-term disability benefits start either first day for injury or illness or often first day injury and seventh day illness.  Can you guess who is traditionally most interested in this benefit?   Read More

Series on Supplemental Benefits


As the new year started, I watched the AFLAC duck attempt yoga on a tv commercial.  AFLAC has done a great job at marketing with the duck.  But I wondered, do people REALLY know how supplemental benefits work.  The next couple months I will do a series of articles on the different carriers, defining the types of benefits available on a voluntary basis, how the plans are implemented and how benefits are paid. This first month, will focus on supplemental benefit basics. 

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State of Iowa Withdraws the Stop Gap Measure as a Health Insurance Options for 2018


Last month I wrote about the Stop Gap Measure that the State of Iowa had submitted to the federal government as a one year emergency plan to provide health insurance at a reasonable premium for individuals who do not have access to coverage through an employer.  On October 20, the State of Iowa withdrew their request as there was not time to continue the conversation with CMS (Centers for Medicare and Medicaid Services) the department of the government that was overseeing the request. Read More