Covering Students at College

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Graduations are in full swing and as parents we are all looking toward these kids’ futures.  Whether they are heading to Trade schools, colleges, maybe straight to the work force or a discussion of a year off is in play or whatever the ‘next step’ may entail, we—the parents—should also think about these young adults’ health insurance. Read More

Silver Sneakers Offers Tuition Assistance

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Silver Sneakers is a program that many of the Medicare Advantage plans offer.   This additional benefit to the medical and prescription drug coverage offer a basic membership at many locations throughout the US as well as offering FLEX classes within the community or specific cardio, strength and range of motion or circuit training for all levels of ability.  It’s an opportunity to workout and meet others that are working toward better health.

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Supplemental Benefit Series: Short Term Disability and Accident Policies

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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

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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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