No one wants to make a foolish mistake in front of other people. This is especially true when the mistake could end up costing you millions of dollars. When someone decides to sell their company, the last thing they want to see is the new owner re-selling it for a much higher price. One way to prevent this problem is to engage in a practice that has been called “schmuck insurance”. Technically speaking, “schmuck insurance” isn’t really a form of insurance at all. Instead, it is an action that the owner of a company can do in order to prevent … Continue reading →

If you have more than one kind of health insurance, one will be considered primary, and the others will be secondary. These designations determine what bills each health insurance policy will cover. It also determines which insurance company will be sent the bill when you visit a doctor or receive hospital care. Health insurance that comes from your employer is, in most cases, your primary care insurance. Why? This is because it covers both you and your spouse, or, because it is the health insurance policy that you have had for the longest amount of time. There are a lot … Continue reading →

Health insurance comes in two basic categories. There is group health insurance, and there is individual health insurance. Which one is right for you? In order to find the answer to that question, you need to know the differences between these two categories of insurance. What is individual health insurance? This is health insurance that you purchase directly from an insurance company. It can be used to cover just you, or to cover you and your family. The word “individual” simply refers to the fact that you are buying this insurance yourself, and not through an employer provided plan. If … Continue reading →

It is often a confusing situation for the employee suffering from a work related injury or condition. Many workers have company provided health insurance benefits offered at reduced or in some cases no premiums. Often and injured worker believes this health insurance will cover every medical problem they might face only to go to the doctor and be asked the leading question, “Is this related to work or an automobile accident?” The worker who suggests this might have something to do with something that happened on the job may in some states be told the doctor doesn’t accept workers compensation … Continue reading →