Do I Need Different Insurance for a Vacation Home?
Posted: March 1, 2021
If you have the good fortune to own a vacation home, it is important to protect your investment. You may need a separate insurance policy to cover your second home. Vacation home insurance can help protect that property against a range of perils. Why Do I Need Separate Insurance for a Second Home? For a second home you don’t live in full time, you will...
Am I Required to Provide My Employees with Short-Term or Long-Term Disability?
Posted: February 28, 2021
Short-term disability insurance provides some income replacement when a non-work-related illness or injury leaves an employee unable to work for a limited time period. Long-term disability insurance serves the same purpose, only for longer periods of time, ranging from two years to retirement age, depending on the policy. No law requires employers to offer long-term disability insurance to employees. However, five states and Puerto Rico...
Quick Exercises for Busy Lifestyles
Posted: February 25, 2021
We all know we need exercise to look and feel better. But it can be difficult (or seemingly impossible) to fit into a busy lifestyle. Here are some ways to get your body moving, no matter how hectic your schedule may be. Move Around While You Talk On the Phone Pick up the phone instead of texting or emailing, and move around while you talk....
Does My Spouse Need Life Insurance if He or She Doesn’t Work?
Posted: February 22, 2021
When one spouse is the primary breadwinner, it is obvious why that person needs life insurance to protect the family. But a stay-at-home spouse needs life insurance, as well. Just because a person is not working at a paying job, that does not mean he or she lacks financial value. Consider what it would cost to pay another person for the services a stay-at-home spouse...
What Do I Need To Know For Medicare Open Enrollment?
Posted: February 21, 2021
The first thing you need to know about Medicare open enrollment is the time frame. The window for fall open enrollment begins on October 15 and runs through December 7. Fall open enrollment is also called the annual election period. Any changes you make during this enrollment period become effective on January 1 of the following year. You can enroll in, drop, or switch your...