Insurance

Home/Insurance/BOE Disability Insurance Disability Insurance Series Business Overhead Expense Disability Insurance: Keeping Your Practice Open When You Cannot Work When a physician, dentist, or attorney becomes disabled, personal income stops but practice overhead does not. Rent, employee salaries, equipment leases, and malpractice premiums continue from day one. Business overhead expense disability insurance reimburses these fixed…

Home/Insurance/Executive Disability Insurance Disability Insurance Series Executive Disability Insurance: Protecting Bonus Income and RSU Value That Group LTD Leaves Uninsured Group long-term disability insurance covers base salary only and caps benefits at $10,000 to $15,000 per month, leaving executives earning $400,000 to $600,000 in total compensation with 30 to 40 percent income replacement in a…

Home/Insurance/Physician Disability Insurance Disability Insurance Series True Own-Occupation Disability Insurance for Physicians: Why the Definition Is the Most Important Term in Your Policy A surgeon with a hand tremor who can no longer operate is totally disabled under a true own-occupation policy, even if she is capable of working as a medical consultant. Under any-occupation…

Home/Insurance/HDHP vs PPO High Income Earners Health Insurance Series HDHP vs PPO for High-Income Earners: Why the Right Decision Is a Tax Decision, Not an Insurance Decision For a household in the 32% federal tax bracket, the annual tax savings from HSA eligibility under an HDHP are worth $3,400 or more, often exceeding the premium…

Home/Insurance/Ordinance and Law Insurance Property Insurance Series Ordinance and Law Insurance Coverage: The Building Code Gap That Standard Homeowners Policies Do Not Cover Standard homeowners insurance pays to rebuild what existed before a loss, not what current building codes require the rebuilt structure to include. A 1985 home rebuilt after fire damage in California must…

Home/Insurance/Umbrella Insurance Liability Gap Personal Insurance Series Umbrella Insurance and the Homeowners Liability Gap: Why $300,000 in Coverage Is Not Enough for a Serious Pool Injury or Auto Accident Standard homeowners insurance includes $100,000 to $300,000 in personal liability coverage. A backyard pool injury, a teenage driver at-fault in a serious accident, or a dog…

Home/Insurance/Tenant Liability Insurance Tracking Renters and Landlord Insurance Series Tenant Liability Insurance Tracking for Landlords: The Verification, Enforcement, and Renewal System That Protects Your Portfolio Requiring renters insurance in the lease is step one. A landlord who requires $300,000 in personal liability coverage but never verifies compliance has the same practical protection as a landlord…

Home/Insurance/Corporate Housing Renters Insurance Renters and Corporate Housing Insurance Series Corporate Housing Renters Insurance and Liability: The Coverage Gap That Leaves Relocating Professionals Exposed A management consultant floods a corporate apartment, causing $38,000 in damage to the unit below. Her employer’s corporate travel policy does not cover personal liability. The operator’s property insurance covers the…

Home/Insurance/Luxury Renters Insurance Homeowners and Renters Insurance Series Luxury Renters Insurance for High-Value Personal Property: Why a Standard Policy Leaves $200,000 of Art, Jewelry, and Collectibles Completely Unprotected A standard renters insurance policy carries a $1,500 to $2,500 sublimit on jewelry and a $2,000 to $2,500 sublimit on fine art, regardless of your total personal…

Home› Business Finance› Workers Comp Calculator› MSA Allocations ⚕️ Series: Workers Comp Settlement Calculator  |  Post 3 of 3 The Definitive Guide to Medicare Set-Aside (MSA) Allocations and Annuity Arbitrage You cannot simply hand an injured worker a $300,000 settlement and walk away. The federal government demands their cut of the risk. Discover exactly how…