What is ‘long-term care’?
What is ‘long-term care’? Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. In general, if you can’t do two or more of these activities, or if you have a cognitive impairment, you are said to need “long-term care.” Lo
What are the types of disability insurance?
What are the types of disability insurance? There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD): Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years. Long-Term Disability policies (LTD) have a waiting period of several weeks to several months with a maximum benefit period ranging from a few years to the rest of your life. Disability policies have
Additional Purchase Options
Your insurance company gives you the right to buy additional insurance at a later time. Coordination of benefits The amount of benefits you receive from your insurance company is dependent on other benefits you receive because of your disability. Your policy specifies a target amount you will receive from all the policies combined, so this policy will make up the difference not paid by other policies. Cost of living adjustment (COLA) The COLA increases your disability benefit
Types Of Life Insurance
There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance. Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the “term”) and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need cov
Recreational Insurance
Looking to insure your motorcycle, RV, motor home, ATV or camper? At JWI we know that your outdoor loving lifestyle allows little time for shopping around for affordable insurance. Let us do the shopping for you and you can get back to being a professional snowbird or to getting out into the wilderness or whatever your outdoorsy thing may be. Our insurance agents will make sure you are covered and you can enjoy yourself with the peace of mind that you have the the insurance c
Questions to Ask Your Agent.
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion: How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
What is the insurance company’s level of service and ability to pay claims?
What discounts are available? (Ask about good driver, multiple policy and
Why Do You Need Auto Insurance?
Why do you need auto insurance? It’s really all about protecting yourself financially. If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
If you or any passengers are injured in an accident, medical costs can be extremely expensive.
If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth. Not only is having insurance a prudent financial decision, many states re
What Is Auto Insurance?
What is auto insurance? Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage: Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or prope
Life/Health
Life/Health What kinds of health insurance are there? There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage. Fee-for-Service These plans generally assume that the medical professional will be paid a fee for each service provided to the patient. Patients are seen by a doctor of their
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