Most unemployed workers find it is impossible to maintain health insurance coverage after the loss of their job, according to a healthcare think tank. The Commonwealth Fund reports six in 10 working Americans rely on their employer for medical insurance. Of those who lost their jobs during the past two years, three in five became uninsured as well as unemployed.
Health insurance plans for the unemployed
The medical insurance offered through employers is generally group insurance coverage. Group health plans can keep premiums low by spreading the health insurance company’s risk across a number of insured individuals.
Here we go again with the economy and all of our investments. Just as I did a few years ago I need to dust off a bit useful suggestion and reach out again.
Investment counselors are trained to say that the market is cyclical and that you shouldnt freak out in scary down times. Thats the same advice theyve been giving for 50 years and, while I agree with not freaking out, I believe there is reason for them to take a look at what theyre saying in the context of the real world in 2011 and alter their guidance a bit.
Number one I think its important for investment counselors to be honest that this global economy isnt the American economy of 40 years ago or even 20 years ago.
In the past, buying a house insurance policy was not really the easiest thing to do. Today, however, shopping for one has become a lot easier because of the numerous resources that are now available both online and offline.
The first thing you need to do would be to figure out the value of your home and the cost of rebuilding it. This is important as your home insurance policy should be able to cover the actual cost of replacing the structure of your home and not just the amount of your mortgage. Aside from the cost of your home’s structure, you should also add in the replacement cost of your personal property and other belongings that you have in your home to make sure that they would also be adequately covered by the policy you would be getting.
You should also take note of all the improvements and upgrades that you have done to your home. T Full Article…
45% of US employers are going to rethink their long-term health care strategy next year, and a significant number are unsure how they will react to the impending impact of state-based insurance Exchanges in 2014, according to a survey carried out by Towers Watson, involving 368 medium-to-large companies. The authors informed that companies are planning moderate changes in their health care plans for next year. Health care costs for employers are expected to rise by 5.9% in 2012, much lower than the 7.6% rise in 2011. However, 88% of firms plan to take measures to reign in their costs in order to avoid the impact of health care reform’s excise tax. Full Article…
Lansing homeowners can find foreclosure assistance through Michigan agencies, nonprofit organizations and the federal government. Available help ranges from online information about the Michigan foreclosure process to legal representation offered by nonprofit legal aid programs.
— Linda Bayers @ 8:07 pm — 
September 26, 2011