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Long Term Care Hybrids Provide More Options
The issue of long term care is becoming a national crisis as more of us are living longer with limited resources. Although statistics show that 7 in 10 Americans will require long term care at some point in life, 1 many people are reluctant to pay premiums for coverage unless they are certain they will use it.
As a result, hybrid policies have become a popular alternative. Policies that combine long term care (LTC) coverage with life insurance enable policyholders to draw on benefits should they need them, or pass them along as death benefits if they don’t.
Click here to schedule an appointment with an LTC Insurance Specialist to learn about the increasing array of LTC options and which might be a good fit for you.
Are You Covered?
Will you have health insurance next year? With Open Enrollment beginning in November, now is a good time to start thinking about your healthcare needs and what Open Enrollment means for you.
For some, the Affordable Care Act provides an opportunity to secure individual major medical health insurance that was previously out-of-reach. For others, the individual mandate – you must have coverage or pay a penalty – may seem daunting. Whatever your situation, if you don’t have coverage for 2015, you’ll need to report it on your tax return and pay a penalty.1
To gain access to our Private Health Insurance Exchange and see options for your state, CLICK HERE.
"Congratulations!” “What an achievement!" You’ll probably hear phrases like those quite a bit over the next couple of months…after all, you managed to survive your college years and earn that all-important degree! But you may also hear (or think) “Welcome to the real world!” When real-life issues like health insurance coverage come up, the Alumni/ae Association can offer some assistance.
The Affordable Care Act (ACA) requires that everyone have health insurance. Our Insurance Program offers health insurance options to fill the needs of many new alums who will be without coverage after graduation, whether due to the end of student health insurance, a lack of employment, or even under-employment. Parental policies may not be suitable after graduation due to cost or location outside a parent’s network coverage area. Don’t risk going without health insurance, even for a short time, while affordable and flexible ACA-compliant options are available through our new private health insurance exchange.
The Alumni/ae Insurance Program is a benefit for all graduates, and offers products for many stages of your life. The great news is that you can share this benefit: most products are available to alums and their family members, even if they didn’t attend your alma mater.
Click here to learn more about all of the products available to you through this program.
How to Digitally Archive Your Home
You never know when disaster might strike. Within minutes, a fallen tree, burst pipe, fire, or flood can ruin cherished or valuable goods. Keeping an archive of your belongings will accelerate the process of replacing damaged property. It will also help you make better decisions about the insurance coverage you need before a disaster strikes.
Follow these simple steps to archive your home:
Don’t put off this simple project; in the event that you need to make an insurance claim, you’ll be glad you took the time to document the possessions that are most important to you.
Liberty Mutual Auto, Home, and Renters insurance may be available through your alma mater’s Alumni/Alumnae Insurance Program at great rates. To learn more, CLICK HERE.
Pet owners agree that we want to provide our dogs and cats with the best possible care, no matter what. But when accidents and illnesses occur unexpectedly, the costs can quickly run in to the hundreds—and even thousands—of dollars. Simply put, pet insurance is something that many pet parents cannot do without.
Pet insurance from Petplan is available through the Alumni Insurance Program. The coverage helps you pay unexpected veterinary bills, so if your pet has an accident or becomes ill, you’ve got help covering the costs. Petplan policies are designed to provide the most comprehensive protection against unexpected vet bills for the best possible value. In addition to accidents and illnesses, Petplan offers full coverage for hereditary, congenital, and chronic conditions.1 Additionally, Petplan provides a Covered for LifeTM guarantee, ensuring your pet will enjoy life-long pet insurance protection, providing you renew your policy each year without any lapse in coverage.
For more information on pet insurance and all of the other products available through the Alumni Insurance Program, CLICK HERE
Special Event Insurance
LTC protects assets from serious erosion, while allowing access to quality care.
Revenue earned through this program will help to support the alumni association.