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Medicare Disability Coverage And Help Paying The Costs A Medicare Supplement Covers

If you are under age 65 and approved to receive Social Security Disability Insurance (SSDI) benefits, you automatically become eligible for Medicare Part A (hospital insurance) and Part B (medical insurance). Medicare will enroll you after you receive disability benefits for 24 months. Along with a number of services and items that Medicare doesn't cover, even after Medicare pays its portion, unless you have Medicare supplemental insurance, you will be responsible for paying certain out-of-pocket expenses.

Important Things To Understand About Business Interruption Insurance

Business interruption insurance is a great way to plan for unintended business emergencies. Here are some things to know before you sign up for business interruption insurance.  Coverage Varies Based on Your Plan Type First of all, it's a mistake to assume that all business interruption insurance plans are created equally. There are a few key points that any insurance plan will cover, but they can vary in how comprehensive the payouts are.

Properly Insuring Your Modified Car

As soon as you add a decal racing stripe to your paint job, you have a modified car. Auto modifications can affect the overall value of your car and therefore your car-insurance policy. Now, a decal stripe doesn't really alter the value of your auto, but everything from spoilers to new carpeting can. Properly insure your modified car to protect your assets, including the additions themselves. Modifications That Can Affect your Policy

5 Tips To Protect Your Home From Flooding

If you know anything about flooding, you know how much damage it can do to a home. Flooding can destroy your furniture, electronics and carpeting and even lead to mold. The good news is that you can take steps to prevent this type of disaster. Here are five helpful tips to protect your home from flooding: Remove Debris from Your Gutters If you have not been keeping up with cleaning your roof gutters, it is time to change your ways.

Potential Consequences Of Fronting Auto Insurance Coverage

Auto insurance fronting involves lying to your insurer and saying that you are the main driver of a car instead of someone else, like your teenager. Some people use it as a means of getting cheap coverage for their children since teenagers typically attract high rates. Unfortunately, it can result in different forms of problems, such as: Policy Cancellation It is your insurer's prerogative to warn you or cancel your policy if it learns that you are fronting.

Did Your Child Just Start Driving? How To Prevent A Huge Auto Insurance Premium Increase

Unless you live in a city with great public transportation, like Chicago or New York City, being able to drive is essential to getting around. Your child will eventually get their driver's license, and when they do, you'll need to add them to your insurance as a driver. Since your child is new to driving on their own, your insurance company will see them as a higher risk than somebody who is experienced and has an accident free record.

Answering A Couple Of Insurance Questions Business Owners May Have

Managing your business will require you to make a number of critical decisions involving marketing, hiring employees and retaining clients. Unfortunately, it can be easy to overlook the importance of insuring your enterprise against the various risks that it may encounter. To help you make informed choices when it comes to your insurance, you might need to have the following questions answered. Isn't A General Liability Policy Sufficient? There are some business leaders that may make the mistake of choosing to only carry a liability policy for their company's property.

Which Car Insurance Coverage Do You Need For Your Medical Damages?

Car insurance isn't just for paying for repairs if your car gets damaged. Depending on the coverage you have, your car insurance may also cater cover your medical bills. After all, millions of people get injured in car crashes every year. Here are some of the forms of coverage you need if you want your car insurance to compensate you for your bodily injuries: Personal Injury Protection Personal injury protection (PIP) coverage is only available in no-fault states.

2 Steps For Making Sure Your High-Priced Items Are Insured Under Your Home Insurance Policy

A home insurance policy is not only good to have in the event of an accident, but it also protects items in your home that may be damaged or stolen. While it is expected that basic personal items, like furniture, cooking ware and clothes may be replaced through a standard policy, this does not hold true for items that are more expensive. High-priced items like art and jewelry are often not fully covered under a standard homeowner insurance policy.

Ready To Be An Independent Contractor But Worried About Legalities? Consult These 3 Professionals

If you are considering starting your own business as an independent contractor and you aren't sure what you need to go into business, there are a few things you'll want to do. You want to make sure that you are protected legally and that you are being responsible financially. There is a lot that goes into making sure that your business isn't at the risk of becoming a target legally, and so you don't become a target of the IRS.