Comprehensive travel insurance policies package together a number of valuable benefits. You can also buy policies that cover only trip cancellations or only medical expenses. With the wide variety of travel insurance plans available, you can find coverage levels that will fit your budget and trip needs.
Look for these top coverage options in a comprehensive travel insurance plan.
Trip cancellation insurance
You don’t book a trip with the intention of canceling it, but unexpected illness, injury, family member sickness, jury duty and more could disrupt plans. Trip cancellation insurance reimburses you 100% for the money you lost in prepaid,…
family health insurance
Are You Prepared for Russian Ransomware?
Recently, a health network in Pennsylvania was hacked by a Russian ransomware gang called BlackCat.
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BlackCat attacked a physician practice in Pennsylvania, but did not disrupt healthcare operations.
A ransomware payment was demanded, but refused by the healthcare system.
Sensitive information was accessed and the health system revealed the attack itself.
Is your practice prepared for a potential attack?
Does your staff know how to respond to a demand for ransomware?…
3 Things You Should Know About Irrevocable Trusts
A trust is an estate planning tool that allows a person to control their assets during their lifetime and make provisions for incapacity and death.
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One thing you should know about irrevocable trusts is that, unlike revocable or living trusts, irrevocable trusts cannot be changed or amended. They are set in stone.
A second thing that you should know about irrevocable trusts is that they have significant advantages, and also unique…
What Is Telemental Health: Benefits, Privacy and Pitfalls
What Is Telemental Health?
The National Institute of Mental Health defines telemental health as “the use of telecommunications or videoconferencing technology to provide mental health services.” Telebehavioral healthcare refers to the process of observing behavior in a subject through online technologies. Telebehavioral health is considered a subgroup of telemental health. The US Department of Health and Human Services says online visits are a convenient way for mental and behavioral health providers to offer:
One-on-one and group therapy
Substance abuse counseling
medication management
Monitoring for anxiety and depression
Mental health screening
Telemental health services enable clinicians to reach more patients, such…
What Happens When You Don’t Fund Your Trust?
After you work with your estate planning attorney to draft a carefully tailored estate plan, it is usually your responsibility to “fund” the trust.
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What does funding the trust mean?
Funding the trust is simply transferring assets into your trust.
If you have a trust, you will want to put your assets into the trust, by retitling bank accounts, re-designating beneficiaries of life insurance, etc. We walk our clients through the…
Do I Need an Emergency List?
We frequently have questions related to the practical and financial panic after a death in the family when accounts, passwords, and assets are unknown. Sometimes, a family knows an estate plan was done but they cannot find the plan and don’t even know the law firm that drafted the plan. An emergency list can help to avoid these issues.
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We often see people lose their spouse, and have no idea how…
Is oatmeal anti-inflammatory? A list of anti-inflammatory foods
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A list of Anti-inflammatory foods to help aid in digestion and other bodily processes
Believe it or not, inflammation is one of the most common reasons behind minor aches and pains that we experience on a daily basis. Things such as headaches, sore joints, back pain and even toothache can all be attributed to inflammation as the main cause of concern and likely the culprit behind your discomfort. For that reason, I feel it is important to research and report on what healthy foods we can eat…
How to shop for new insurance if you lose Medicaid coverage
Medicaid coverage will end for millions of Americans in the coming months, and it will push many into unfamiliar territory: the health insurance marketplace. Video above: Advocates push for renewal of New Hampshire’s expanded Medicaid program States will start cutting people from the government-funded plans when they no longer qualify based on income, a process that has been paused since shortly after the COVID-19 pandemic hit. The timing of these cuts will vary. But all states have insurance markets where people who lose Medicaid can buy new coverage with help from subsidies. Some states will even connect shoppers with a…