Health & Medical Insurance

Buying health and life insurance for the self employed or for small businesses requires you to keep a few very important things in mind. Buy health insurance and life insurance for the self employed…

Not just anyone can purchase a gap insurance policy. Learn about gap insurance eligibility with help from a longtime insurance agent in this free video clip.

Gap insurance is a very important part of any auto insurance policy. Define gap insurance with help from a longtime insurance agent in this free video clip.

The key to knowing whether or not you need gap insurance is understanding exactly what it is in the first place. Get gap insurance information with help from a longtime insurance agent in this free…

Gap insurance comes with some pretty specific regulations that are important to know. Learn about gap insurance regulations with help from a longtime insurance agent in this free video clip.

Purchasing gap insurance requires you to keep a few very important things in mind. Learn about purchasing gap insurance with help from a longtime insurance agent in this free video clip.

You can find an attorney to help with medical insurance coverage questions by looking in a few key places. Find an attorney to help with medical insurance coverage questions with help from an attorney…

Disability income insurance can be defined in a very specific way. Learn about disability income insurance with help from the owner of a brokerage insurance company in this free video clip.

Disability insurance income comes with a pretty strict set of guidelines. Learn about disability insurance income guidelines with help from the owner of a brokerage insurance company in this free…

Disability income insurance is something that you should always make an effort to fully understand. Find out about disability income insurance with help from the owner of a brokerage insurance company…

When selling disability income insurance you're going to want to remember a few key things. Sell disability income insurance with help from the owner of a brokerage insurance company in this free…

One way to keep your health insurance benefits may be to put your divorce on hold for the time being. Put your divorce on hold to keep health insurance benefits with help from an attorney in this free…

Basements, once the dank realm of octopus coal furnaces and storage shelves built with leftover lumber, have evolved into useful living spaces. Thanks to new insulation materials and pressure-treated,…

When it comes to disability insurance it can be natural to have a few questions while shopping around. Get answers to your disability insurance questions with help from an insurance professional in…

Disability insurance is one of the more overlooked types of life insurance. Find out about disability insurance with help from a member of the California Department of Insurance Curriculum Board and…

Disability insurance can have some pretty significant benefits if you know what you're looking for. Learn about disability insurance benefits with help from a member of the California Department of…

Just because you're self-employed doesn't mean you can't get or don't need liability insurance. Get liability insurance for the self-employed with help from a dedicated insurance professional in this…

The average cost of health insurance per person depends on a number of different factors. Find out about the average cost of health insurance per person with help from a dedicated insurance…

Annuities and IRAs are similar retirement investment accounts. Although the accounts serve the same purpose, each has different requirements and tax laws. Taxpayers can also opt to save for their…

Federal and state laws protect employee rights to take temporary leave to attend to the birth or adoption of a child. Pregnant employees may also have rights to receive temporary disability pay funded…

The Internal Revenue Service allows employers to offer three types of plans related to health insurance that can be paid with pre-tax dollars. The difference between pre-tax dollars and post-tax…

Health insurance is among the most complex, and necessary, forms of insurance available. For consumers, selecting from among a wide range of policies with different costs and coverage options can be…

People typically purchase insurance to provide protection for themselves and their family members against financial loss that results from a catastrophe such as death, property damage or destruction,…

If you pay substantial out-of-pocket health care expenses, you may be able to translate these costs into big savings at tax time. The Internal Revenue Service allows taxpayers to deduct certain…

Two of the most common words associated with health insurance are deductible and copay. A deductible is the amount an insurance holder has to pay out of pocket for medical services before the…

When insurance premiums skyrocket, some employers decide to self-insure. This process is often regulated by state governments, and each state sets its own guidelines for self-insurance. Health care is…

The current income tax formula uses many numbers, such as gross income and adjusted gross income (AGI), which is gross income minus certain deductions. Then there is taxable income, which is the…

An escrow shortfall can lead to an unexpected and unwelcome increase in your mortgage payment. Banks collect for escrow using the best information available. Sometimes that information is inaccurate.…

Retirement accounts are designed to be accessed after the Internal Revenue Service threshold age of 59 1/2 or older. Withdrawals taken prior to the threshold are penalized 10 percent over and above…

Workers protect their abilities to bring home incomes by purchasing disability insurance, which replaces portions of their salaries while out of work. Generally workers can expect to pay 1 to 3…

When you purchase a new vehicle, you also need to determine what types of insurance coverage to carry. While you may be familiar with typical coverages like liability, comprehensive and collision, you…

Health savings accounts (HSA) allow you to set money aside for medical expenses. Funds you deposit into an HSA are a tax deduction, and you can withdraw the funds for approved health-related expenses…

A health savings account (HSA) is a plan to save money for medical needs by providing tax advantages that enable you to reduce your taxable income. You can save as much as 40 percent on your health…

The Patient Protection and Affordable Care Act, also known colloquially as "Obamacare," makes many changes to the health insurance laws governing each state. The law does not require that…

Health Savings Accounts (HSAs) were created by the IRS to provide consumers with a tax-free option for saving money toward qualified medical expenses such as doctor visits, prescription drugs and…

Federal law requires employers to furnish each of their workers with an Internal Revenue Service Form W-2 at the end of each year. W-2s are statements of earnings and withholdings employees need to…

A pretax deduction is a reduction in pay that takes place before taxes are administered. These deductions when applied to a W-2 lower your employee's adjusted gross income, and the amount that he's…

Whether you are just starting your first job or already dreaming about retirement, learning how to read your pay stub and understand your compensation is vital to your financial well-being. Employers…

Oracle Applications is the non-database portion of Oracle software. The applications are used for business management, such as financials, call centers and human resources. A collector in Oracle…

A deck handrail is a basic safety feature that can improve both the appearance and the usability of your outdoor deck. Deck handrails are typically constructed of wood and consist of a post and rail…

The Internal Revenue Service allows you to deduct health insurance premiums if your medical expenses for the year exceed 7.5 percent of your adjusted gross income, but you can only take this deduction…

When unemployed, you are not only without a paycheck, but you no longer have access to employer-provided health insurance. The main difference between private and company provided health insurance is…

Self-employment offers you the ability to determine your own income based on your efforts, skill and knowledge. It can also allow you to build a business that you can leave to your dependents after…

A health savings account (HSA) allows you to set aside money, taxp-free, to pay medical bills. You establish an HSA in conjunction with a high-deductible health plan (HDHP). You can use the money in…

Cutting back on expenses is one way to get ahead, but those who are super-frugal find every available way to save money. Looking closely at every aspect of your spending can open your eyes to hidden…

Diagnosis related group (DRG) classifies hospital patients to determine a fixed payment amount for the services they receive. The DRG amount is based on the patient's principal diagnosis, treatment,…

Self-employed individuals who pay health insurance premiums for a health insurance plan on the private market can save a significant amount of money each year on taxes. The tax deduction for health…

Under provisions of the Federal Unemployment Tax Act of 1939, employers in the United States who meet certain standards must pay what the government calls an "excise tax" into a fund that provides…

When parents decide to add a playset to their backyard, they have plenty of designs to choose from. Playsets range from basic two-swing swingsets to designs complete with forts, rope ladders and other…

The Small Business Jobs and Credit Act of 2010 contains a provision that allows self-employed persons to deduct medical insurance costs paid in 2010 from their income in determining their net profit.…