

Does Medicare Cover Colonoscopy?
According to the National Cancer Institute, colon cancer is the third most common cancer type among men and women in the United States. However, approximately
Health Insurance
In this section, we cover everything you need to know about disability insurance. What it is, types of disability insurance, and how it works.
Disability insurance is a type of insurance that covers a significant portion of your income in case something horrible happens to you, and you can no longer work. While the chance of missing months or even years of work because of an illness or injury may seem remote, especially if you are still young, the reality is quite different.
In fact, the Social Security Administration warns that at least one in four 20-year-olds risk suffering a disability for at least 90 days before they reach 67 years. While you may never think that this is going to be you, it is always good to be prepared in case the unexpected happens.
A disability insurance plan serves as an excellent long-term solution that goes beyond a three to six-month emergency fund. This is important not only to you but also to people who depend on your income.
Disability insurance comes in various forms, and you can easily obtain your policy from a wide range of providers. You get an opportunity to work with professional and licensed insurance agents if you choose to buy your policy through Insurance Master.
The price of a disability insurance policy varies depending on the benefits you will enjoy, the elimination period, and how strict the definition of a disability is under your plan. Keep in mind that each policy may have its own definition of what qualifies to be classified as a disability. Therefore, it is essential to read and understand the terms of your policy before you buy it.
The two most common definitions of disability are “own occupation disability” and “any occupation disability.”
For “own occupation disability,” you will be considered disabled if you can no longer work at the occupation you had before you became disabled. For instance, a medical surgeon with severe hand tremors who takes up a job as a lecturer at a university would still be eligible for benefits under the “own occupation” policy.
For “any occupation disability,” you are considered disabled if you are unable to perform any job at all. While this is a relatively harder policy to claim benefits from, the policy is also cheaper than the “own occupation” policy.
PS: Keep in mind that disability insurance does not cover your loved ones incase you die. You will need to purchase a life insurance policy for that purpose.
According to the National Cancer Institute, colon cancer is the third most common cancer type among men and women in the United States. However, approximately
Does Medicare Cover Allergy Testing? Allergies (whether environmental, food-related, or seasonal) will most likely affect you at one point in your life. In fact, the
Medicare Part D, also known as Prescription Drug Plan (PDP), refers to a standalone plan that is usually purchased through a private insurance company to
We have a team of dedicated and experienced insurance experts who work so hard to ensure you enjoy the insurance benefits you need based on your lifestyle and that you are getting value for your money from or insurance partner companies.