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Using A Secondary Payer To Lower Group Health Insurance Premiums
From Hyers and Associates, Inc. Insur, 7 month ago, Read 1 times. Similar articles
Get a Quote »Rising group health insurance rates are one of the most significant expenses facing businesses and groups of all sizes. Premiums can increase year over year by 10% or more as insurance carriers struggle with rising medical costs and new benefit requirements.
Companies and groups who wish to offer low deductible, high benefit plans are experiencing rate increases that are in many cases forcing them to switch providers, increase employee contributions, and/or enroll in less...
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Qualified and Non Qualified Annuity Accounts Explained
From Hyers and Associates, Inc. Insur, 2 year ago, Read 0 times. Similar articles
Get a Quote »Regardless of the type of annuity account you own (fixed, indexed, immediate, or variable) it will fall into one of two categories; qualified or non qualified. This is to say that an annuity cannot be both qualified and non qualified. It is one or the other. There are significant differences between the two and understanding the differences can help you plan for taxes, distributions, exchanges and rollovers.
What is a Qualified Annuity'
A qualified annuity is simply an account...
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Why Do I Need Life Insurance Anyway'
From Hyers and Associates, Inc. Insur, 2 year ago, Read 0 times. Similar articles
Get a Quote »September is life insurance awareness month, thus we will do our part to discuss the overall benefits of these products. When compared to other financial instruments, life contracts have several unique and attractive attributes. Policies will come in many shapes and sizes with several options for the insured, but it may be most important to simply touch upon the purpose of life insurance.
Life Insurance for Future Obligations
For most of us, there are future obligations both...
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Who Offers the Best Health Insurance Coverage in Ohio'
From Hyers and Associates, Inc. Insur, 2 year ago, Read 0 times. Similar articles
Get a Quote »As an insurance professional in Ohio, I am asked this question quite a bit from prospective clients. The simple answer is - it depends. It depends on what your definition of “best” is. Do you mean most affordable, largest network, greatest benefits, or something else'
I am not trying to mince words here, but everyone has a somewhat different idea of how their health insurance coverage should be structured. A younger individual might be shopping simply on cost...
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TPAC Ordered Into Liquidation
From Hyers and Associates, Inc. Insur, 2 year ago, Read 0 times. Similar articles
Get a Quote »The Ohio Department of Insurance was granted by the Franklin County Court of Common Pleas its request to place Physicians Assurance Corporation into liquidation. The ODI will take possession of the insurer’s assets under the guidance and supervision of the court.
At last count, TPAC insured over 350 groups in central Ohio with over 8,000 members. Those who purchased group health insurance from TPAC are advised to contact a broker in order to discuss their options and find...
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What is Guaranteed Income for Life'
From Hyers and Associates, Inc. Insur, 2 year ago, Read 0 times. Similar articles
Get a Quote »As the overall markets have swooned and once plush retirement accounts have been reduced in kind, you might be interested in a guaranteed lifetime stream of income.
Commercials are more prevalent and many financial firms are now advertising the merits of this simple concept. But what are the financial products behind these guarantees and how can you benefit from lifetime income'
Lifetime Annuity Income
Guaranteed lifetime income can only be provided from one financial instrument -...
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Employer Health Insurance Mandates - Fees, Fines and Penalties
From Hyers and Associates, Inc. Insur, 2 year ago, Read 0 times. Similar articles
Get a Quote »In an overall effort to insure more Americans, “pay or play” mandates appear to be a part of the Obama administrations health care reform efforts. While this legislation is still in its infancy, it is moving quickly as Congress attempts to draft a bill before summer recess.
Mandates already exist in the State of Massachusetts, but this legislation would encompass the entire country - affecting employer based groups as well as individuals. Accessing fines to those who...
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Whole Life or Term Life Insurance'
From Hyers and Associates, Inc. Insur, 2 year ago, Read 0 times. Similar articles
Life QuotesLife insurance shoppers want to know: What is the difference between whole and term life insurance and what type of policy should they purchase' The answer is usually simple depending on the life needs circumstances.
Listed below are life insurance explanations as well as recommendations for purchasing a life policy, tax avoidance and estate planning strategies.
Whole Life Insurance
Whole life is designed to cover the insured for his or her entire lifetime. A portion of the...
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Health Care Reform and the Government
From Hyers and Associates, Inc. Insur, 2 year ago, Read 0 times. Similar articles
Behind closed doors members of Congress are hammering out plans to change the shape of the current health care system. Details are still somewhat scarce, but House and Senate member are determined to have a bill put together by the middle of the summer and actual reform by year end. Outlined below are changes that we might expect to see in the not so distant future.
Government Health Insurance Pool
Congress seems determined to create a federally subsidized health care pool. In essence this...
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Easy Health Insurance Quotes
From Hyers and Associates, Inc. Insur, 2 year ago, Read 0 times. Similar articles
Get a Quote »Online shoppers want to know where the best websites offering instant health insurance quotes from several well rated carriers can be found. You can find them here.
In response to consumer demand, we have developed an insurance agency that operates in two worlds; the real and the virtual. Shoppers can explore plans with or without our help, but we are always available for consult.
Our Virtual Offerings
We created a web-page where consumers can anonymously run personal health...
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Ohio Partnership Long Term Care Insurance Coverage
From Hyers and Associates, Inc. Insur, 2 year ago, Read 0 times. Similar articles
QuotesIn an attempt to encourage consumers to purchase long term care insurance (LTCi), Ohio recently passed legislation making available partnership policies. Several insurance companies offer these plans, but not all LTCi policies are partnership qualified.
By owning a qualified plan, the insured can be eligible for Medicaid benefits through the state without depleting their attachable assets.
How Does It Work'
In a nutshell, consumers can protect the same amount in personal assets as each...
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