Why Disability Insurance Can Save You from Ruin

At least 51 million working adults in the United States are without disability insurance other than the basic coverage available through Social Security. These working folks are facing a growing crisis due to their lack of adequate disability coverage. You may think that disability payments from the government can help you get through tough times should you become partially, temporarily or permanently disabled, but government payments are extremely low. Today, many people are faced with an absence of emergency savings, rising medical costs, and an overall trend of fewer employers offering benefits to workers. This has created a critical blind…

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Dog Owners Liable When Their Pets Bite — Are You Covered?

There were over 90 million dogs residing in people's homes across the United States in 2018, according to the American Pet Products Association. Unfortunately, there are more than 5 million dog bites reported each year, according to the Centers for Disease Control. Of that amount, almost 900,000 require medical care, and about 50% of those cases involve children. While insurers will cover most dogs, some will not insure a long list of specific breeds. Dobermans and pit bulls are on many of the exclusion lists. Some insurers do not discriminate by breed and instead determine a dog's status by individual…

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Eight Insurance Cost-Saving Tips for 2020

Follow these eight tips to ensure that you get the most bang for your buck with your home safety and insurance coverages in 2020. Home security system If you don't have a home security system, you should seriously consider getting one to protect your hard-earned assets and home investment. The good news is that if you get one that is monitored by a central station, or that is tied directly to a local police station, you don't only protect your home, as you may also receive a discount on your homeowner's insurance premium. Install additional smoke alarms As with a…

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Delicious Foods That Fight Diseases, Promote Health

While you should exercise to take care of your health, what you put into your body can have a great impact on how you feel and your overall general health. And as part of your efforts to stay healthy, you're also trying to stave off diseases, like heart disease, cancer and other issues that unhealthy foods can help usher in. WebMD recommends that you incorporate these foods into your diet for their many health benefits.  Berries - These delicious little numbers contain antioxidants that help neutralize "free radicals" (cell-damaging molecules) that can lead to chronic diseases, including cancer and heart disease…

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COVID-19 and Protecting Yourself and Your Family

As the COVID-19 corona virus spreads across the world and the number of cases grow in the U.S., there is a lot of hysteria and misinformation about how to protect yourself from this new strain. More and more people are wearing surgical masks when they go outside, thinking it will protect them, and some have even stopped drinking Corona beer because the disease is a coronavirus. This has left plenty of people not sure what they can do to avoid catching it themselves. To help, we've compiled best practices information from the Centers for Disease Control (CDC) and the World…

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Preparing a ‘Go-Bag’ in Case of Disaster

As natural catastrophes continue growing in number and severity, everybody should be prepared for quick evacuation in case of emergency. Even if you don't live in an area known for natural disasters, you should always be prepared in case you have to make a sudden evacuation. While there is only so much planning we can do for this type of event, at the very least you should consider packing a "go-bag" of emergency supplies that can help keep you safe while finding a place to retreat to. When you need to leave in a hurry, depending on how much time…

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The Future of Insurance with Smart Cars

With more cars connected to the web, helping us navigate, talking to other cars as we zoom down the road and sometimes even driving for us, it won't be long until our autos can also make an insurance claim for us after an accident. Consider that more cars are being built with sensors and technology that allows them to communicate with external parties. It's not hard to imagine that the car could communicate immediately with emergency services and your insurance company if there is an impact. The emergency authorities could be notified in real time with detailed information about the…

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Preventing Deep Vein Thrombosis for Older Travelers

If you plan on taking a long trip, you should be aware of a vein disorder that is especially common among travelers over 50. Deep vein thrombosis occurs when a blot clot forms in a deep leg vein. DVT is potentially fatal because a clot could travel to the lungs and cause a pulmonary embolism. The condition usually occurs in the calf and travelers are at increased risk of DVT during long plane or car rides. The main cause is sluggish blood flow due to long periods of inactivity. Many travelers will spend two hours or more sitting in one…

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