October is Breast Cancer Awareness Month. Learn why early detection matters, what insurance covers, and how financial protection can support you in a crisis.
Medicare’s mental health coverage expands in 2025 with more provider access, new services like IOP, and a cap on Part D drug costs. Learn what this means for beneficiaries.
Imagine suddenly being unable to work due to a serious illness or injury. With no paycheck coming in, how would you cover your rent, groceries, or medical bills? Unfortunately, many Americans haven’t prepared for that possibility—and could face serious financial stress if they need long-term time off but lack income protection. Why This Matters Disability insurance (including short-term and long-term plans) is designed to replace part of your income if you can’t work due to illness or injury. Yet coverage remains out of reach for many: According to the latest disability insurance industry analysis , just 40% of working-age adults carry disability coverage. For employer-sponsored plans specifically, the U.S. Bureau of Labor Statistics reports that only 34% of private-industry employees had access to long-term disability insurance in 2024. These statistics demonstrate a significant protection gap: even among those with health insurance, a large share lack disability coverage. At the same time, long-term disability can last months or years —not just weeks. The average long-term disability lasts about 35 months , while about 30% of Americans couldn’t handle an unexpected $400 expense without outside help. That combination of low coverage and high risk can spell financial trouble.
Confused about life insurance? This guide breaks down the key differences between term, whole, and universal life policies to help you understand your options and find the right coverage for your family.
Skip the meds and try these natural ways to fight headaches—hydration, rest, cold compresses, and hands-on therapy can bring real relief without side effects.
Get your Medicare Advantage Annual Notice of Change (ANOC) and learn what to look for. Use this guide to understand your plan's changes and make informed choices for next year's coverage.
Denied care by your Medicare Advantage plan? Understand why prior authorization denials happen and how to navigate the appeal process to get coverage.
Overwhelmed by Medicare? Don't make costly mistakes. Learn why working with a trusted Medicare agent can help you navigate your options with confidence.
Thinking about delaying Part D? Learn how the Medicare Part D late enrollment penalty works, who it affects, and how to avoid this permanent surcharge.
Learn how to maximize your indemnity plan benefits by self-paying for doctor visits, radiology, and lab services. Discover tips to save money and streamline reimbursements.