For those of you with health insurance have you ever looked at you explanation of benefits? Have you noticed that insurance companies only pay about 40% of the bill you would have to pay without the insurance? Is that right? Why can’t an uninsured person pay the same rate as an insurance company? Especially if [...]

Millions of people are insured by group long term disability plans. However, there are drawbacks to this coverage and situations where the policies will not pay. Unfortunately, many group plans do not pay for the type of disability that is most likely to occur. Theoretically, you are covered. But are you?

Let’s contrast some of [...]

I have been at my job for 2 and a half years and both my boss, his wife and son have health insurance through their business at a group rate and all three are employees, but they have not offered it to any of my coworkers or myself. Is this against health insurance policies, [...]