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Please be aware of your options regarding health insurance for you and/or your dependents in a divorce. If you have been covered under a spouse’s health plan, you might want to continue that plan under COBRA if the premiums and coverage are more beneficial than what is available to you elsewhere. You are entitled to […]

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Be certain to review any life insurance you have at the time of divorce to change beneficiary designations appropriately. If your ex is required to furnish life insurance on his/her life for your benefit, make sure the beneficiary is you, but more importantly, make sure you are also the owner. If you are the owner […]

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While most professionals are likely to have disability insurance, many overlook insuring their overhead expenses. Bills won’t stop just because you can’t work. Rent, payroll and replacement hires continue to be paid though you aren’t earning anything. Policies that cover overhead expenses typically last up to two  years and provide cash when you need it […]

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Purchasing long term care insurance is more expensive at older ages. Many middle aged (50+) persons think they are too young to buy long term care. Even younger persons may experience a significant injury or devastating illness that requires long term care. Additionally, your health may deteriorate prior to buying long term care, making it […]

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Prior to health care reform legislation (ACA), children graduating from college and searching for a first job often did not have any health insurance. Among the first items that the Obama plan mandated was the ability to cover children to age 26 as dependents under family coverage at no additional premium. This became effective for […]

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