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Whose Going To Pay Your Bills During A Medical Leave? Stradling & Spece Insurance Agents In Honey Brook, That’s Who!

September 30, 2008 by Sammy · Leave a Comment 

Certified Insurance SpecialistsShould You Get a Supplemental Health Insurance Policy? Stradling & Spece Insurance can answer your questions!

Generally, supplemental insurance is thought of as only for senior citizens on Medicare. However, anyone can buy a supplemental policy. These policies work with the insurance coverage you already have, acting as an “add-on” to give you extra coverage. With this type of insurance, you typically receive direct cash benefits regardless of what your other insurance pays.

There are three main types of supplemental policies:

Disease Specific Insurance. This policy pays you cash benefits if you require treatment for a specific disease, such as cancer.

Accident Health Insurance. This policy reimburses you for medical costs resulting from accidents. It can also pay cash benefits if the accident disables you or if you lose your vision or a limb, finger, or toe. If you die because of an accident, your beneficiaries receive the payments.

Hospital Indemnity Insurance. This policy provides a daily, weekly, or monthly cash benefit if you’re in the hospital for over a specific number of days.

Should You Get a Supplemental Policy?

Before you consider buying supplemental medical insurance, you must have a good basic insurance policy. Then, you might consider a supplemental policy if you can afford it and you’re at high risk for serious illness, accidents, or hospitalization - for example, if your family has a history of cancer or another serious health problem. Read more

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Metlife Resources is here to help with disability income insurance!

September 16, 2008 by Raluca · Leave a Comment 

 

 

 

 

 

Metlife ResourcesMetlife Resources is here to help with disability income insurance! An individual disability income insurance policy pays a benefit if you suffer an illness or injury that prevents you from working. You can use the benefit to help pay your normal living expenses and any medical bills associated with your disability. Benefits can last for a set number of years or until you reach retirement age. If you own the policy and pay the premiums yourself, the benefits are usually not taxable. To understand the value of this type of insurance, consider what life would be like if you were to become disabled without disability coverage: