InsuranceThought — Blogs About Insurance

Good News – FMLA Protects Those Who Suffer Migraines and Headache Disorders from Being Fired for Absences

If you suffer from migraines or another headache disorder that causes you to miss work like I do, you may be concerned at times, regardless of how great your health insurance benefits are, about losing your job. You’ll be happy to know that the Federal Courts have just made things a bit easier on us [...]

Health Insurance Reform Terminology Defined

Talk of “health insurance reform” is everywhere these days, but all the terminology involved can be quite confusing. If you feel you need a bit of a lesson on the definitions of healthcare insurance reform terms, the following may help:
Fee for Service – this is how the doctors get paid. Each service the doctor provides [...]

Get All the Insurance Protection You Need with Umbrella Liability Coverage

Unfortunately, there are several myths that surround umbrella liability insurance:

It is too difficult to coordinate with an existing insurance policy (i.e. your homeowners)
Premiums are too pricey
It is only for those who are rich (in other [...]

Northwestern Mutual’s Optimism Barometer Shows Individuals Are Hopeful of the Future

Northwestern Mutual’s Optimism Barometer – a tool, which measures the attitudes of those who visit the site and weigh in on how they are feeling about, well… life. One of the statements, for example, says “What a person has is less important than who a person is.” And, to this, you can agree or disagree [...]

Three Women File Descrimination Compaint Against Bank Of America/Merrill Lynch

Though women have definitely made giant strides to gain equality with men in the work world, it seems we are perhaps still not quite there yet. Well, three women are fairly certain that they are not there yet, at least, as they have filed a suit against Bank Of America/Merrill Lynch for allegedly discriminating against [...]

Obesity and Healthcare Reform – Paying for Preventative Care

The obesity rates of adults have doubled in the last three decades and tripled for children; obviously, weight has become a “huge” issue, one we can no longer ignore. Two-thirds of adults and more than 23 million children in the United States are overweight, obese, or morbidly obese, costing our country billions – yes, BILLIONS, [...]

Identity Theft – Yet Another Reason You Need Protection

At the risk of spurring on the pesky population that insists on using their talents for evil, not good, I’ll share with you yet one more reason you should consider purchasing identity theft protection (“insurance,” if you will). It seems that some of these criminals have recently been able to steal others’ identities by diverting [...]

How a Diagnosis of Anxiety or Depression Can Affect Your Life Insurance Rates

It’s always best to visit a doctor when you are experiencing anxiety or extreme, unexplained sadness – only a doctor can diagnose what might be going on – but you should be aware that this can affect your life insurance rates or possibly result in a denial of your application.
Because The Centers for Disease Control [...]

Business Owner’s Policies Help Protect Your Company When Disaster Strikes

There are essentially three kinds of insurance available that can help you protect your business: liability, property, workers’ compensation.
All 50 states require businesses to have workers’ compensation insurance, while property and liability are not always mandatory. It makes a lot of sense, however, to protect your company with as much insurance as possible; after all, [...]

Attaining Auto Insurance After a DUI Conviction

Being convicted of driving under the influence (DUI) can pose some serious challenges when you need to insure your car. Your insurance will increase, but there are ways to find affordable insurance, even after making this kind of mistake.
DUI Forgiveness

There are some auto insurers that will forgive a first at-fault accident, but, unfortunately, there [...]