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Between the rising costs of healthcare and the shortcomings of health insurance, many people face bills they simply can't pay.

According to the tax code, for the calendar year 2021, the minimum individual deductible to qualify as an HDHP is $1,400 and $2,800 for a family.

Supplemental insurance pays benefits above and beyond the coverage you carry either through a group or individual policy.

If you are looking for an income stream that you won’t outlive, or want to provide financially for your spouse or heirs, you may find an annuity beneficial.

As you carefully consider how you’re protecting yourself, you may find you need more insurance and retirement savings than your male counterparts.

Yes, many businesses have suffered economically, regardless of industry or size. But a select few have fared well.

Some people think all debt is bad. Others think debt is the normal way of life. The reality of debt lies in the middle.

One way to protect yourself against absorbing the potentially high cost of hospitalization is with hospital indemnity insurance.

When choosing between an HMO or a PPO plan, your decision ultimately comes down to what is most important to you: cost or flexibility.

With the pandemic raging on and open enrollment around the corner, it's time to look ahead to employer-sponsored benefits for 2021.

The initiative aims to classify the gig workers as independent contractors in California, as they are in the rest of the country.

Whether you’re a new couple or empty nesters, the “dual income, no kids” lifestyle has plenty of pros and cons to consider.

Like most lengthy endeavors, your financial journey has a number of milestones you are supposed to reach to know you’re on track.

You may be willing to save aggressively and trim your budget dramatically. But are you ready to do it consistently for years?

Ancillary benefits are available to businesses of all sizes and budgets and have wide-ranging value for both employers and employees.

Living within your means doesn’t have to be painful. With adequate planning and discipline, you can make the adjustments needed to make it a reality.

The realities of the pandemic should prompt you to think more carefully about the benefits you sign up for rather than just electing the status quo.

If a rainy day fund is intended to pay for the minor inconveniences of life, then the emergency fund is for the unexpected deluge.

One of the most important features of an HSA is that the money you contribute to it can be rolled over from year to year, making it a useful savings tool.

If you decide that an insurance policy would be helpful to protect your financial stability, you'll want to start looking at coverage options.

What makes digital nomads different from their predecessors is technology has made it easier to earn a living without a permanent home or office.

Coworking spaces are still proving to be a viable alternative to working from home or a coffee shop for many of the newly self-employed.

Possessing financial literacy means you understand and can apply financial concepts toward better money management and wealth creation.

Outstanding medical bills don’t have to ruin your finances. Here are a few tips on how to deal with medical debt and avoid it altogether.

It is recommended that all businesses have commercial auto insurance even if they have only a few vehicles titled to them.

Many people are looking back with dismay over not being prepared for an economic downturn. How have you fared? And what have you learned?

In the last decade, crowdfunding has become an option to help people struggling to pay medical bills. Here's where the practice stands in 2020.

As a senior or a person approaching that stage of life, insurance is still an essential part of your financial security.

Most people are underinsured. That’s often of their own doing, as people want to spend as little as possible on a product they never plan to use.

Insurtech company leverages its technology platform to provide a quick, convenient way for American workers to protect their income.

This checklist includes 8 action steps you can take to ensure that your experience before and after you move into your new home is a positive one.

As the gig economy grows, there are calls for changing what many see as an antiquated benefits system that is tied to full-time employment.

Many people have accident insurance to avoid using their savings to pay expenses associated with an accident they’ve suffered.

Today, 45% of consumers research but don't buy life insurance online; they still prefer to purchase with an agent or financial advisor.

Automating humdrum tasks like payroll, tax filing, and invoicing frees up time and lets you focus your unique talents on helping your business succeed.

Creating and sticking to a budget is hard. This is true whether you're creating your first budget or you’ve done it for years.

Millennials want an employer that offers them more than just a paycheck; they want an employer that will provide them with a feeling of well-being.

Arguably the best known and most widely respected of all the rating services for insurance companies is AM Best Company.

In the event of disability, many people carrying student loan debt will seek a Total and Permanent Disability (TPD) discharge.

Outside of making a final mortgage payment, few financial events in our lives give us as much pleasure as a credit card statement showing a zero balance.

Honestly evaluating your financial situation can be both liberating and painful. It can bruise your ego if you don’t like what you see.

When it comes to the "1099 vs. W2" debate, it can be tough for both workers and companies to choose which route to take.

One of the hardest parts of caring for aging parents is tracking down where their money is and who is in charge of managing it.

In its broadest sense, fintech is the marriage of financial services and technology to make life simpler and faster for the consumer.

Long-term care insurance helps cover the cost of a nursing home, assisted living facility, or home health aide if you become unable to care for yourself.

Maintaining a high functioning work-life balance can be challenging, especially if you have no choice but to work from home given the current situation.

While nothing is ever guaranteed, several jobs and industries are more shielded from the negative effects of a down economy.

If your job is eliminated or you’re laid off through no fault of your own, you are likely eligible for unemployment benefits.

According to a marketplace survey on burnout by Deloitte, 77% of professionals surveyed have experienced burnout in their current job.

It’s admirable to have financial objectives. But people sometimes set a money-related goal without examining what needs to happen to make it a reality.

Disability insurance could very well be the most important component of the benefits package you build for yourself as a self-employed individual.

Until legitimate progress is made in flattening the novel coronavirus outbreak's curve, financial markets will continue to struggle.

Today’s workforce reflects the evolution of a service-oriented economy: six of the 10 largest U.S. employers are retailers or fast-food chains.

For those who are fortunate enough to be healthy and employed in these uncertain times, it’s not too late to apply for disability insurance.

For some, it's a sigh of relief to be able to work in their pajamas. For others, it’s a painful adjustment to working outside of a structured environment.

The best personal finance blogs cover a variety of topics. After all, fiscal health isn’t just about how well you save or invest.

There are infinite resources on how to get a job. But there isn’t nearly as much advice on how to leave a job, whether voluntary or involuntary.

The main question to ask is: Would losing most or all of my income due to a disability bring financial harm to my family or household?

The results of this exam will help determine how much you will pay — and in rare cases, whether you even qualify — for your coverage.

As you stay on top of the latest developments and take the necessary precautions, now may be an ideal time to review your insurance.

The spread of the novel coronavirus has prompted calls for more laws to require employers to pay workers for time off during an illness.

Common types of coverage experimenting with this approach include renters, homeowners, auto, liability, and health insurance.

Accidents rank as the third leading cause of death, but you’re seven times more likely to die from heart disease or cancer.

According to the Pew Research Center, about 15 percent of middle-aged adults are providing financial support to both an aging parent and a child.

The best way to make buying insurance a breeze? Research. The more you know going in, the more confident you will be throughout the process.

Robo-advisors are an option for beginning investors who lack financial knowledge, but may not have enough assets to work with a professional.

As you progress through life, your income will rise and fall and rise again. Your priorities will change, as will your expenses.

For many professionals, work and life no longer fit into structured time segments. And usually, it’s work seeping into our personal lives.

Buying insurance for small business owners is not a one-and-done transaction. As your business grows, your insurance needs will change as well.

According to the Council for Disability Awareness, one in three working Americans do not have adequate disability coverage.

A secure source of income is one of the most important parts of your life. It gives you freedom, independence, and opportunity.

What happens if your mental illness limits or even prevents you from working? Does disability insurance cover mental health conditions?

Long term care (LTC) insurance covers much of the costs of nursing homes, assisted living facilities or in-home care.

Buying insurance online offers tremendous speed and convenience. But it may require more research to ensure you buy the right coverage for your needs.

Disability insurers will still offer you coverage if your pre-existing condition is manageable. The decision will largely depend on how serious your condition is.

In general, if you need one — and chances are you do — you need both. Life insurance does not fulfill the need for disability insurance and vice versa.

Employers must let new parents take up to 12 weeks off and guarantee their jobs once they return. But the law doesn’t require employers to pay for that time off.

At every company, employees and prospective new hires deserve an equal opportunity to work and grow their careers.

Though worksite benefits are voluntary, it may be in your best interest to consider accepting some of these perks. If you don’t, it’s like turning down money.

Every new year inspires self-improvement, but few resolutions actually go the distance. Here are five realistic goals for 2020.

According to LIMRA, 40 percent of disability insurance applications are either declined, rated or are only accepted with an exclusion.

Just as every other generation, millennials live life a little differently than those who came before them. That includes the ways they spend money.

Your current budget is probably based on your current income. But what happens if you lose some of that income due to a disability or a job loss or change?

Some types of insurance simply aren't necessary. Then there are those types of coverage that almost everybody should own.

More than 500,000 businesses are started each month. Roughly half will last five years or more, according to the Small Business Administration.

Whether you are dealing with student loans, credit card payments or simply saving up, having a side hustle is a great way to make extra money.

Compensation is more than just salary and bonuses. There are a number of benefits and perks that make some companies more enticing than others.

Despite what some believe, mastering one’s money doesn’t require a finance degree or expert investment strategies.

People who opt to work remotely oftentimes find they enjoy a better work-life balance as well as increased productivity levels.

Having an emergency fund can improve your financial security and minimize the stress of a job loss, temporary disability, or major repair.

By definition, the gig economy is a free market system that allows organizations to contract temporary tasks to independent workers.

According to the Kaiser Family Foundation, over 9 million people age 18 to 64 had Medicare due to a disability in 2017.

While many think of disabilities strictly in terms of catastrophic incidents, others believe they will be able to continue working through a disability.

Insurtech is a term used to refer to technology designed to enhance the operations of insurance firms and the insurance industry as a whole.