Many couples facing infertility quickly realize one sobering fact: most health insurance plans do not cover infertility treatments. But there are exceptions. Fifteen states mandate infertility coverage for some forms of treatment, for specific subsets of the population. These laws are full of holes, and even many people living in mandate states have no coverage. [...]
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Short Term Disability
Open Enrollment Suggestions for Maternity Insurance Questions
November and December of each year is the time many employers elect to hold their employee benefit open enrollment. During this short period of time, employees must make complicated and often confusing choices that may have a profound impact on their finances for the next twelve months. The choices are most important for working women [...]
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Missing Alternatives From Paid Maternity Leave Rhetoric
Here we go again. Another week goes by, and another series of articles appear in the press repeating the same refrain about paid maternity leave in the U.S. while omitting the most crucial concept: federal mandates versus state, employer and individual responsibility. The graphic to the right provides a classic example. A big fat zero is [...]
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3 Reasons Why Maternity Benefits May Improve for Female Lawyers
The legal field has historically been a male dominated profession. As more women complete their degrees, pass the bar exam, and enter the legal workforce that mix it beginning to change. As with many social changes, the industry may be lagging behind in making workplace adjustments. One area that may be changing is maternity related [...]
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Paid Maternity Leave Debate in U.S. Sounds Like Teen Lament
The U.S. maternity leave pay debate, if there is such a thing, sounds much like a common teenage lament: “It’s not fair, all my friends get to go” “Everyone else is doing it, why can’t I” If you have teenage children you might have heard these phrases multiple times. If your children are younger or [...]
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The Root of Much Medical Debt: Out of Network Hospital Charges
I recently underwent a surgery that required a five night hospital stay. The final bill from the hospital sheds light on an often misunderstood and potentially crippling aspect of medical billing: allowed charges, or usual customary and reasonable fees. Knowledge is the first step to avoiding piles of medical debt. Action at the right time [...]
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Dental Hygienist Salary – An Easy Way to Protect Income
If you are a dental hygienist you are uniquely positioned to protect your salary, and create maternity leave income at the same time – if your plans include enhancing your family. Dental hygienists need income security more than other professions, the field is primarily female, and you can easily get the right type of insurance [...]
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Supplemental Insurance Without Passion is Dead
Supplemental insurance without passion is like faith without deeds: both are dead. I heard from two of our customers recently: a lady who had been planning to have more children and a mature business owner previously in perfect health. An extra dose of passion might have been the right financial medicine for both. The challenge [...]
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The Perfect Gift for Husbands to Give Wives: Insurance
Okay guys. Are you looking for the perfect gift for your wife? Perhaps it’s her birthday, an anniversary of the first time you met, kissed, proposed, got married, etc. You get the idea. Women love when you remember these events, think of her, take the time to think through an idea, and make a sacrifice [...]
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What Card Counters Teach Us About Income Insurance
If you and your spouse are hoping to get pregnant and have a baby, now is the time to begin thinking about ways to secure your financial future. One important step is to start thinking like a casino gambler with one major exception: you can make a bet with odds stacked highly in your favor. [...]
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