If I Have Full Coverage Auto Insurance Will It Pay for Damage to Rental Car
Use Coupons for Car Rental Discounts But Read the Fine Print Carefully and Exceptions
Full coverage auto insurance is most commonly defined as an insurance policy that exceeds the state minimum requirements and includes comprehensive, collision, property damage and medical overages.
Car Rental insurance is usually a daily charge and can drive the cost of your car rental way up. Most people turn it down and assume they are covered by their personal auto policy and additionally by credit cards but few take the time to call and verify the coverage.
Categories: Finance, Insurance Tags: rental car coupons, should you buy rental car insurance
Cobra for Early Retirees
Retire at 30?
One of the big expenses that early retirees need to concern themselves with is health insurance. Most people time their retirement to coincide with Medicare eligibility at the age of 65. Early retirees have to consider other options until Medicare begins.
Consolidated Omnibus Budget Reconciliation Act (COBRA), which passed by Congress in 1986, provides healthcare coverage for retired employees, spouses, former spouses and dependent children for 18 months. The cost is less than what you would pay on your own but more than your rate as an employee.
Early retirees qualify for COBRA benefits under the following conditions:
Categories: Finance, Insurance, Retirement Tags: cobra, early retirement, health insurance, hippa
Should You Purchase Nursing Home Insurance?
Is Long Term Nusring Home Insurance a Frugal Choice?
Planning For Nursing Care
Long term care insurance (LTCi) may not be a cheap choice, but is it a frugal one? Experts predict that half of Americans will need some sort of long term nursing care in their lives. This could come from a nursing home, assisted living center, or it could be delivered in the home.
The actual cost will depend upon the type and level of care that is needed, but none of it is going to be free. There will be a price attached to any method of getting long term care, and sometimes that price can be thousands of dollars a month. That cost could quickly deplete retirement savings.
Categories: Insurance Tags: Insurance, long term care, nursing
Is Rental Car Insurance Necessary
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