COBRA, or Consolidated Omnibus Budget Reconciliation Act, gives you the right to continued group insurance under most circumstances for a limited time. COBRA benefits are usually more expensive than the group rates you paid while employed as your former employer is no longer footing part of the bill, but in many cases is less expensive [...]
It can be depressing to think about, but every adult should spend time planning and preparing their estate. When you are ready, here’s how to plan your estate.
Retirement Planning
Retirement planning and estate planning overlap, but are not necessarily the same thing. Your estate is the bulk of your assets when you die. Presumably, those assets [...]
It doesn’t matter how little or how much you own. Once you’re established and on your own, you need to insure your belonging. This can be done through a single insurance company or agent or through separate companies if the price and need warrants the diversity. Here’s how to insure your belonging.
Your Home
If you own [...]
For years it was almost impossible to find insurance that adequately covered preexisting conditions. This is no longer the case in the United States following the Health Insurance Portability and Accountability Act (HIPAA) which passed in 1997. Getting insurance with a current medical condition maybe easier than you think – in the United States at [...]
In vitro fertilization (IVF) is a final resort for many couples who struggle with infertility. As infertility becomes more widely discussed and more options present themselves to couples, insurance companies have begun to offer IVF coverage. That coverage varies by company and by guidelines and laws set forth by the actual state. In many areas [...]
When you’re an expatriate, you have special limitations. You also have tremendous freedom, but with that freedom comes responsibly. By moving to another country or losing your citizenship, it’s entirely possible you lost your health insurance as well. There are a few ways to find coverage if you are an expatriate.
Marriage
One easy way to get [...]
Maternity insurance is a specialized insurance offering that only a few need, well, at most only 50% of the population needs. Maternity insurance is often misunderstood, especially when it is not included in a standard group policy of some kind. If you are struggling to wade through the facts and rumors of maternity insurance, learn [...]
Workers’ compensation is a form of insurance mandated through your state to reimburse you for injuries sustained while at work. It doesn’t matter who is at fault for an injury in most applications for workers’ compensation. If you’re hurt on the job, you most likely quality, and here’s how to file for workers’ compensation.
Report [...]
All adults, especially those with dependents or children, need to have some form of life insurance. The life insurance offered in company benefit packages is often a token gesture, but almost never enough to provide for your family satisfactorily after your death. You need to plan ahead, and you need to know how to buy [...]
If you’re self employed or your employer doesn’t provide a health insurance package, you must arrange your own health insurance coverage. While it may seem easier and much less expensive to skip health insurance if you are young with no complaints to your record, you should always carry health insurance. Not only will you be [...]
Rebecca Garland is a freelance writer who takes on many projects including editing and creating content for URHowTo. As the Managing Content Partner of the site, she is systematically working through existing content and adding new content to ensure the how-to articles on the website are exactly what readers need to answer their most basic and obscure questions.
Rebecca lives in Texas with her husband and two young sons.
