The Scoop on Part D 2017

In the fall of the year, the Part D deductibles are set for the following year. This has been completed for 2017, so let’s review the details of Part D 2017. $400 Initial Deductible — This deductible for 2017 has risen $40 from 2016. After this point, the Plan enters...

Changing from Medigap to Medicare Advantage

Medicare Advantage plans have become a popular option for Medicare-eligible persons in the last few years for a variety of reasons. People find the Advantage plans may be cheaper than Medigap, and Part D can be rolled into the Advantage plan. Consumers can also often...

Long-Term vs. Short-Term Disability

Disability insurance is a lifeline when you cannot work due to a covered illness or an off-the-job accident. Trying to find information about long-term and short-term disability, and their relationship to each other, can be mind numbing. Many sites try to explain...

Annuities: The Good, the Bad, and the Ugly

You are thinking of investing in an annuity but before you decide, you should know the Good, the Bad, and the Ugly. Take your social security for example. This is a fixed, indexed annuity that pays you for the remaining days of your life, while a pension is a fixed...

6 Reasons Single People May Need Life Insurance

It is common for people to assume that life insurance is only for married couples and individuals who have children. This isn’t the case though. While not all single people need life insurance, “there are a number of reasons when it can make (really) good...