Medicare is a form of health insurance targeted for those aged sixty-five or over, younger people with particular disabilities, and people with end-stage renal disease (permanent kidney failure).  As you may already know, there are three main parts of Medicare: A, B, and D. Part A covers inpatient hospital stays and partial home health care.…

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Long term care insurance is often confused with other insurance types, such as general healthcare and life insurance. However, long term care insurance covers expenses and other services not covered by traditional health insurance, Medicaid, or Medicare.  Much like life coverage policies, long-term care insurance (LTC or LTCI) provides protection for long-term care costs over a…

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We’ve all heard of life insurance, yet brush it under the rug and discard the concept as if it’s only for the older generation or those on death’s door. However, this is not the case – in fact, you’ll likely struggle to purchase life insurance if you’re already sick. First, let’s quickly define life insurance…

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Disability insurance provides an income source for those left unable to work or earn money due to a disability. Various workplaces offer this insurance as part of their employer benefits, but not all workplaces do. If this is the case, i.e., your employer does not provide disability insurance, you can choose to purchase it yourself.…

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Workers’ compensation provides lost wages, medical benefits, and rehabilitation costs to employees who become ill or injured at work. Or as a result of their job. Furthermore, in the event of death, workers’ compensation also pays benefits to the affected family for employees who have sadly lost their lives while at work. Other than a…

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Life insurance is a form of insurance that pays out a sum of money either on the insured person’s death or after a set period.  Many find life insurance difficult to discuss and complicated, however, this couldn’t be further from the truth. Life insurance is not required for everyone, especially if you don’t have children,…

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Business owner’s insurance provides protection for liability risks in one insurance package. This form of insurance is often more cost-effective, saving the business money in the long-run, especially if damage to the property is sustained. When it comes to insurance, many employers are unsure about what they need or whether they need any whatsoever. At…

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how-to-protect-your-assets-from-frivolous-lawsuits_1_orig

What Are The Risk?Medical professionals are sought after for treatments and preventive care. If the patient suffered injury or other health issues from a treatment or operation. They file lawsuits to claim compensation from the practitioner.​Being sued threatens much more than your medical practice. In most cases, injured parties are seeking compensation for injuries received…

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Malpractice-Insurance-For-Optometrists-3-Frequently-Asked-Questions

Finding malpractice insurance is one of the first tasks you have to accomplish when you are looking to pursue a practice in Optometry. As your patients come to you for treatment and services, they trust and hold you responsible for the health and care of their eyesight.​ WHY DO YOU NEED INSURANCE?For starters, it is…

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Employees or private individuals are usually the ones who need an insurance to have their eyes checked, insure, and protected. They seek physicians or medical doctors to give them the service that they made sure their insurance covers. But, how does  insurance works for physicians?​Medicare Plans covers eye check-ups, prescription eyeglasses, and even eye surgery.…

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