Question 1

Do I have to offer health insurance to my employees?

Accepted Answer

Federal law (ACA employer mandate) requires "applicable large employers" — generally those with **50+ full-time equivalent (FTE) employees** — to offer affordable, minimum-value health coverage to full-time employees, or pay a penalty. Below 50 FTEs, federal law does not require coverage. NY does not impose its own coverage mandate beyond federal rules. That said, most healthcare practices and professional services firms offer coverage as a recruiting and retention necessity — the labor market makes it functionally non-optional even when legally…

Question 2

Do I need commercial auto insurance?

Accepted Answer

If your business owns or leases vehicles, yes — your personal auto policy almost certainly excludes business use, and a claim arising from a business-use accident on a personal policy will be denied. You also may need commercial auto if your employees regularly drive their own personal vehicles for business (in which case the right product is **hired and non-owned auto** — HNOA — which can be added to a BOP or general liability policy). Healthcare practices that do home…

Question 3

Do voluntary benefits cost the employer anything?

Accepted Answer

Generally no — premiums are 100% employee-paid through payroll deduction. Some employers pick up a portion of premium as a richer benefit (especially for groups looking to differentiate). The administrative cost of offering voluntary benefits is real but small: enrollment communications, payroll integration, claims questions handling. Most carriers in this space provide turnkey enrollment platforms and call center support to make administration light.

Question 4

Does commercial property cover floods or earthquakes?

Accepted Answer

Almost never — both are standard exclusions in commercial property policies. Flood requires a separate NFIP policy or a private flood policy; earthquake requires either an endorsement (where available) or a standalone policy. NY is not in a high earthquake risk zone, but flood is genuinely material — much of NYC, Long Island, and the Hudson Valley sits in mapped FEMA flood zones, and a single flooded basement can run $100K+ in property and inventory losses. If your premises are…

Question 5

Does my employer's malpractice policy cover me, or do I need my own?

Accepted Answer

Most healthcare employers provide a group malpractice policy that covers employees acting within the scope of their employment. That policy is built to protect the *employer* first; it usually provides indemnity coverage but may not give you your own defense counsel, may not cover acts outside your employment (moonlighting, volunteer work, telehealth from home), and ends the day you leave that job. An individual policy fills these gaps: it gives you dedicated defense counsel whose only client is you, covers…

Question 6

Does my general liability or BOP cover cyber claims?

Accepted Answer

No. Modern general liability and BOP policies expressly exclude cyber and data-related losses; the older "electronic data" provisions some policies carry only respond to physical damage to a tangible computer, not to digital theft, ransomware, or breach notification costs. Cyber is its own product. If a broker tells you "your BOP has cyber built in," ask to see the limit (it's usually $25K–$50K), the trigger language, and the specific cyber-related coverages — most BOP cyber endorsements are notification-only and stop…

Question 7

Doesn't Medicare cover long-term care?

Accepted Answer

No, and this is the single most-misunderstood point in retirement planning. Medicare covers up to 100 days of **skilled nursing care** following a qualifying hospital stay (with cost-sharing after day 20). It does **not** cover custodial care — the day-in-day-out help with ADLs that constitutes the vast majority of long-term care needs. Medicaid covers long-term care, but only after you've spent down most of your assets. This is why people who want to control where and how they receive care,…

Question 8

DPPO vs. DHMO — what's the difference?

Accepted Answer

**Dental Preferred Provider Organization (DPPO)** plans operate like a medical PPO: members can see any dentist but pay less in-network. There's typically an annual deductible ($50–$100), an annual maximum benefit ($1,000–$2,500), waiting periods on major services (6–12 months for crowns, 12–24 months for orthodontia), and coinsurance percentages by service tier (preventive 100%, basic 80%, major 50%). Strongest coverage breadth. **Dental Health Maintenance Organization (DHMO)** plans require employees to pick an in-network primary dentist, who refers to specialists. Typically: no annual…

Question 9

How do DBL, private STD, and PFL interact?

Accepted Answer

We provide claim-coordination guidance to clients, particularly around overlapping pregnancy/parental leave situations where the sequencing matters most.

Question 10

How does orthodontia work in dental plans?

Accepted Answer

Most plans cover orthodontia as a separate benefit with its own lifetime maximum (typically $1,000–$2,500) and often only for dependent children under age 19. Adult orthodontia is sometimes excluded entirely. Waiting periods of 12–24 months are common — meaning orthodontia coverage isn't useful for employees joining the plan with a child already in braces. Carrier orthodontia benefits look broadly similar; the lifetime max is the main differentiator.

Question 11

How is a BOP different from buying GL and commercial property separately?

Accepted Answer

A BOP is structurally the same coverages (GL + property), packaged at a lower price because the carrier saves on policy issuance and underwriting overhead by bundling. The bundling also means you can't easily mix carriers — your GL and property come from the same carrier on a BOP. For most small businesses, BOP pricing wins. The reason to unbundle: when you've outgrown BOP eligibility, when you need GL and property from different specialty markets, or when you need endorsements…

Question 12

How is D&O different from professional liability or EPLI?

Accepted Answer

They cover entirely different exposures and don't overlap. **D&O** = leadership decisions and governance (breach of fiduciary duty, misrepresentation to investors, M&A disputes). **Professional liability / E&O** = errors in delivering professional services (a doctor's misdiagnosis, an accountant's mistake, an architect's design flaw). **EPLI** = employment-related claims from your own employees (discrimination, harassment, wrongful termination). Many growth-stage and healthcare companies need all three, plus cyber. The bundle is sometimes called "management liability" when D&O, EPLI, and fiduciary liability are placed…

Question 13

How is D&O structured? What are Sides A, B, and C?

Accepted Answer

D&O policies are split into three "Sides" or insuring agreements. **Side A** covers individual directors and officers personally when the company *cannot or will not* indemnify them (insolvency, prohibition by law, board refusal). It's the part that protects personal assets. **Side B** reimburses the company when it *does* indemnify executives — cleanup of corporate balance sheet exposure. **Side C** (entity coverage) covers the company itself when named as a co-defendant. For private companies, all three are usually bundled in one…

Question 14

How is EPLI different from workers' comp / employer's liability?

Accepted Answer

Different exposures, different claims. **Workers' comp** covers physical injuries to employees on the job. **Employer's liability** (typically bundled with WC) covers the narrow set of employee suits that survive WC's exclusive-remedy rule (third-party-over actions, dual-capacity claims, intentional torts). **EPLI** covers non-injury employment claims — discrimination, harassment, wrongful termination, retaliation. A single employee can have separate claims under all three. They don't overlap, and EPLI carriers generally exclude bodily injury claims that should sit on WC.

Question 15

How is healthcare cyber risk different from general business cyber risk?

Accepted Answer

Three things make healthcare cyber materially different. (1) **Regulatory exposure**: HIPAA breach notification triggers at 500+ records require OCR notification within 60 days, public posting on the OCR "wall of shame," and potential investigations with fines from $100 to $50,000 per violation, capped at $1.5M per identical violation per year. (2) **Data severity**: protected health information (PHI) is roughly 10× more valuable on dark markets than payment card data because it's harder to remediate — you can't issue a patient…

Question 16

How is professional liability different from general liability?

Accepted Answer

GL covers physical harm — injuries and property damage caused by you or your premises. Professional liability covers economic harm caused by your *expertise*, advice, or services failing to meet the expected standard of care. A client tripping on a cord in your office is GL; a client losing a deal because you missed a filing deadline is professional liability. Most professional and healthcare businesses need both, because the policies cover entirely separate exposures.

Question 17

How is "small group" defined in New York?

Accepted Answer

This is one of NY's most important differences from federal default. **NY defines small group as 1–100 FTE employees**, while most states use the federal default of 1–50. NY is one of only three states (with Vermont and Colorado) using the broader definition. Practical effect: a 75-employee NY business buys health insurance in the small group market and benefits from community rating; the same business in New Jersey buys in the large group market with experience-rated pricing. NY law (Insurance…

Question 18

How much commercial auto coverage do I need?

Accepted Answer

At minimum, the state-required limits — but those are almost always inadequate for a meaningful business loss. Most commercial accounts carry $1M combined single limit (CSL) liability or split limits of $1M/$1M/$1M, then layer commercial umbrella on top. Trucking, FHV, and hospital/practice transport often carry $2M–$5M primary plus $5M–$10M umbrella. Contractually required limits in vendor agreements, hospital service contracts, and government contracts often dictate the floor.

Question 19

How much general liability coverage do I need?

Accepted Answer

The market default for small and mid-sized businesses is $1M per occurrence and $2M aggregate. That means the carrier will pay up to $1M for any single claim and up to $2M total for all claims during the policy year. Whether that's enough depends on your foot traffic, the severity of injuries you could plausibly cause, and the limits your contracts demand. Healthcare practices, professional services firms with high client traffic, and businesses operating in NYC commonly carry $2M/$4M or…

Question 20

How much group life should I offer as an employer?

Accepted Answer

Common employer-paid baseline is 1× or 2× annual salary, capped at $50K–$300K. The IRS imputes income for employer-paid life over $50K (employees pay tax on the imputed value), which is why $50K is a common cap for cost-paid employees. For higher-earning professionals (physicians, executives), basic group life of $50K is materially insufficient and supplemental voluntary life buy-ups become important. Voluntary life lets employees buy additional coverage in $25K, $50K, or 1×/2×/3× salary increments at group rates without medical underwriting up…

Question 21

How much life insurance do I need?

Accepted Answer

A common rule of thumb is 10–12× your annual income, but the better calculation works backward from what your beneficiaries will actually need: outstanding mortgage balance, projected education costs for children, replacement of your income for the years your partner would need it, final expenses, and any debts. Subtract existing assets (savings, employer-provided life insurance, retirement accounts). The remainder is your coverage gap. For most working professionals with a partner and young children, the right number is in the $500K–$2M…

Question 22

How much LTD coverage should I offer?

Accepted Answer

Typical group LTD plans replace **60% of pre-disability monthly earnings**, capped at $5,000–$15,000/month. Higher-earning workforces (physicians, executives) frequently need supplemental individual LTD on top of group LTD because the group cap leaves a meaningful income-replacement gap above the cap. We layer individual LTD over group LTD where indicated; the individual policy is portable, "true own-occ" for specialists, and pays even when group LTD doesn't cover specialty-specific disability.

Question 23

Is general liability insurance required by law?

Accepted Answer

General liability (GL) is not mandated by state statute. In practice, though, you'll find it required by almost every commercial landlord, client master service agreement, professional licensing board, and lender you encounter. Most New York commercial leases require tenants to carry at least $1M per occurrence / $2M aggregate of GL with the landlord named as an additional insured. Many healthcare facility credentialing applications and vendor agreements require proof of GL before they'll open the door. So while no law…

Question 24

Is umbrella the same as excess liability?

Accepted Answer

Closely related but not identical. *Excess liability* extends the limits of one specific underlying policy. *Umbrella* extends limits across multiple underlying policies and may provide some broader coverage where the underlying form is silent. In day-to-day brokerage practice, the terms are sometimes used interchangeably; in policy forms, the difference matters. We'll explain which form is on quote when we present options.

Question 25

Is workers' compensation insurance required by law?

Accepted Answer

In most states, yes — and New York is one of the strictest in the country. Coverage is required as soon as you have any employee, full-time or part-time, W-2 or in many cases 1099 if the worker functions as an employee. Texas and South Dakota are the only states where private-sector WC is genuinely optional. Penalties for non-compliance are steep: in NY, civil fines run up to $2,000 per 10-day period of non-compliance, with criminal exposure escalating to a…

Question 26

Replacement cost vs. actual cash value — what's the difference and which should I pick?

Accepted Answer

**Replacement cost** pays what it would cost today to replace the damaged property with new equivalent property. **Actual cash value (ACV)** pays replacement cost minus depreciation. For a 10-year-old computer destroyed in a fire, replacement cost might be $1,500 (new equivalent); ACV might be $300 (depreciated value). ACV is cheaper to insure but leaves you funding most of the replacement out of pocket. For any meaningful property — clinical equipment, building, inventory — replacement cost is the standard recommendation. **Extended…

Question 27

Short-term vs. long-term disability — what's the difference?

Accepted Answer

**Short-term disability (STD)** pays benefits for 3–6 months (up to 1–2 years on some policies) after a brief elimination period of 1–14 days. It's designed to bridge until you return to work or until LTD kicks in. **Long-term disability (LTD)** pays benefits for 2 years, 5 years, 10 years, or to age 65/67 after a longer elimination period of 30, 60, 90, or 180+ days. LTD is the more important coverage — it's what protects you against career-ending disabilities. Both…

Question 28

Should I offer dental and vision insurance?

Accepted Answer

Both are nearly universal expectations in U.S. employment benefit packages, and they're inexpensive enough that not offering them stands out as a recruiting weakness rather than meaningful cost savings. Typical premium per employee per month: dental $25–$50, vision $5–$15. Most employers offer voluntary (employee-paid) or contributory (employer pays partial) plans; fully employer-paid dental/vision is less common at smaller employers but essentially universal at larger firms.

Question 29

Term, whole, and universal life — which type do I need?

Accepted Answer

**Term life** covers you for a defined period (typically 10, 20, or 30 years) at a fixed premium. If you die during the term, the death benefit is paid; if you outlive the term, coverage ends with no payout. Term is the cheapest form of life insurance and the right product for almost everyone whose primary need is income replacement during working years (mortgage, kids in school, partner depends on income). **Whole life** covers you for life and includes a…

Question 30

What are voluntary benefits and why offer them?

Accepted Answer

Voluntary benefits are insurance products employees buy at their option, typically through payroll deduction at group rates. Common products: **accident insurance**, **critical illness insurance** (lump sum at diagnosis of cancer, heart attack, stroke, etc.), **hospital indemnity** (cash benefit per day of hospitalization), **cancer insurance**, supplemental disability, supplemental life, **legal services**, **identity theft protection**, **pet insurance**. Aflac and Colonial Life are the dominant carriers in this channel. Employers offer voluntary benefits because they (a) round out the benefit package without direct…

Question 31

What does accident insurance NOT cover?

Accepted Answer

Standard exclusions: illness (pneumonia, flu, cancer — these need separate hospital indemnity or critical illness coverage), routine medical care, pre-existing conditions, self-inflicted injuries, injuries from war or military service, injuries from criminal activity, and injuries from extreme sports (some policies have specific exclusions for skydiving, mountaineering, etc.). Pregnancy complications are typically not covered as accidents but may have separate riders.

Question 32

What does commercial auto cover?

Accepted Answer

Commercial auto bundles several coverages: **liability** for bodily injury and property damage you cause to others, **collision** for damage to your own vehicle in a crash, **comprehensive** for non-collision damage (theft, vandalism, hail), **uninsured/underinsured motorist** for accidents caused by drivers without enough coverage, **medical payments** for occupants of your vehicle, and in no-fault states like NY, **personal injury protection (PIP)** for medical and lost wages regardless of fault. Larger fleets often add hired and non-owned auto, trailer interchange, and motor…

Question 33

What does commercial property insurance cover?

Accepted Answer

Commercial property covers your building (if you own it), business personal property (everything inside that's used to run the business — equipment, computers, inventory, furniture, clinical supplies), and certain outdoor improvements. The policy responds to direct physical loss from covered perils: fire, smoke, windstorm, hail, vandalism, theft, water damage from burst pipes, and vehicle/aircraft impact. Coverage is structured in three forms: **basic** (named perils only), **broad** (longer named-perils list), and **special/all-risk** (all causes of loss except those specifically excluded —…

Question 34

What does commercial umbrella insurance actually do?

Accepted Answer

Commercial umbrella sits *on top of* your underlying liability policies — typically general liability, employer's liability (the liability part of workers' comp), commercial auto, and hired/non-owned auto — and pays claims that exceed the underlying policy's limits. If a $2M slip-and-fall claim hits your $1M GL policy, the umbrella picks up the next $1M (or more, depending on its limit). Umbrella also broadens coverage in some places: certain claims that fall outside the underlying policy entirely may still be covered…

Question 35

What does cyber liability insurance cover?

Accepted Answer

Cyber liability covers the costs of responding to and defending against a data breach, ransomware attack, business email compromise, or other cyber incident. Standard coverage splits into two parts: **first-party** (your direct costs — forensic investigation, customer notification, credit monitoring, public relations, system restoration, ransom payments, business interruption) and **third-party** (defense costs and damages if customers, patients, or regulators sue or fine you over the breach). Modern policies also include pre-breach services: phishing simulations, dark-web monitoring, vulnerability scanning, and 24/7…

Question 36

What does EPLI cover?

Accepted Answer

EPLI covers defense costs and damages from employment-related claims by current, former, and prospective employees: wrongful termination, discrimination (race, sex, age, disability, etc.), sexual harassment, hostile work environment, retaliation, wage and hour disputes (sometimes — many policies sublimit or exclude), failure to promote, breach of employment contract, defamation related to employment, and violations of state and federal employment laws. Coverage extends to lawsuits, agency complaints (EEOC, DFEH, NY DHR, NYC CCHR), and in some forms to demand letters that haven't…

Question 37

What does general liability insurance actually cover?

Accepted Answer

GL covers bodily injury, property damage, and personal/advertising injury that you cause to a third party in the course of your business. Typical examples: a patient slips on a wet floor in your waiting room and breaks a wrist; a contractor accidentally damages a client's property; you're sued for libel, slander, or copyright infringement over a marketing piece. Most policies also include products and completed-operations coverage (harm caused by something you sold or installed) and contractual liability coverage (the indemnity…

Question 38

What does long-term care insurance cover?

Accepted Answer

LTC insurance covers care that's not medical treatment but ongoing assistance with daily living — nursing home, assisted living, adult day care, and home health aide services. Coverage triggers when you need help with two or more **activities of daily living (ADLs)** — bathing, dressing, eating, toileting, transferring, continence — or when you have severe cognitive impairment. Benefits are typically paid as a daily or monthly maximum (e.g., $200/day or $6,000/month) for a benefit period (3 years, 5 years, lifetime).…

Question 39

What does umbrella *not* cover?

Accepted Answer

Most commercial umbrellas do **not** sit over professional liability / E&O, medical malpractice, commercial property, commercial crime, cyber liability, or directors & officers (D&O). Those exposures need either dedicated excess policies (e.g., excess malpractice) or higher primary limits. A common mistake: assuming a commercial umbrella stacks over a malpractice policy. It doesn't. Healthcare practices that need higher malpractice limits buy excess malpractice from the same or a complementary carrier, not commercial umbrella.

Question 40

What does workers' compensation cover?

Accepted Answer

WC covers medical expenses, partial wage replacement, and rehabilitation costs for employees injured on the job or who develop work-related illnesses. It also pays death benefits to dependents in the event of a fatality. The trade-off built into the system: employees give up the right to sue the employer for ordinary workplace negligence in exchange for guaranteed coverage regardless of fault. Most policies bundle in **employer's liability** coverage, which protects the employer from the narrower set of suits that survive…

Question 41

What is a Business Owner's Policy (BOP)?

Accepted Answer

A BOP is a packaged policy that bundles **general liability** and **commercial property** (and usually **business interruption**) into a single policy designed for small to mid-sized businesses. It's almost always cheaper than buying GL and property separately, and it's the most common starting point for a healthcare practice's commercial coverage. Some BOPs also include limited cyber, data breach, or hired/non-owned auto as endorsements at minimal additional cost. Larger or more complex businesses graduate from a BOP to a **Commercial Package…

Question 42

What is accident insurance and how is it different from health insurance?

Accepted Answer

Accident insurance is a supplemental product that pays cash benefits directly to you (not to a provider) when you're injured in a covered accident. Benefits are scheduled — fixed dollar amounts for specific injuries (e.g., $2,000 for a broken leg, $250/day for hospitalization, $500 for an emergency room visit, $125–$3,500 for fractures). The cash can be used for anything: deductibles, copays, lost wages, transportation, childcare, anything the household needs while recovering. Accident insurance does not replace health insurance — it…

Question 43

What is AD&D and is it worth offering?

Accepted Answer

AD&D pays a benefit if the employee dies in or is severely injured in an accident — it doubles the death benefit on accidental death, and pays scheduled benefits for dismemberment, paralysis, or loss of sight. AD&D is cheap (literally a few cents per $1,000 of coverage) and adds modest but real value, especially for younger workforces with relatively low statistical risk of disease-related death and proportionally higher risk of accident. It's standard to bundle AD&D with basic group life.

Question 44

What is D&O insurance and who needs it?

Accepted Answer

D&O covers individual directors, officers, and (in most modern forms) the entity itself against claims that decisions made in their leadership capacity caused harm. Typical triggers: breach of fiduciary duty, misrepresentation in financial disclosures, regulatory investigations, shareholder derivative suits, and a long tail of "leadership decisions had financial consequences" claims. Three groups commonly need it: (1) **VC/PE-backed companies** — investors almost always require D&O before closing a funding round, (2) **public companies and pre-IPO companies** — securities exposure is severe,…

Question 45

What is disability insurance and why do I need it?

Accepted Answer

Disability insurance replaces a portion of your income if you become unable to work due to illness or injury. It's the most overlooked major coverage for working professionals. The data: roughly 1 in 4 of today's 20-year-olds will experience a disability before retirement (Social Security Administration). Most claims are not from accidents — they're from illness (cancer, mental health, musculoskeletal disorders, complications of pregnancy, autoimmune conditions). For physicians, attorneys, and other high-income professionals whose career value is tied to being…

Question 46

What is group life insurance and how is it structured?

Accepted Answer

Group life is employer-sponsored term life insurance offered to employees as a benefit. Three common structures: (1) **Basic life** — employer-paid, typically 1–2× annual salary, automatic enrollment for all eligible employees. (2) **Voluntary/supplemental life** — employee-paid through payroll deduction, additional coverage on top of basic. (3) **Spouse/dependent life** — coverage for employees' family members. Coverage is term — pays a death benefit if the employee dies while employed. Most plans include AD&D (accidental death and dismemberment) as either a built-in…

Question 47

What is life insurance and how does it work?

Accepted Answer

Life insurance is a contract: you pay premiums, and the carrier pays a tax-free lump sum (the **death benefit**) to your named beneficiaries when you die. You can name a primary beneficiary (first to receive funds) and a contingent beneficiary (receives funds if the primary has predeceased you). Death benefits are paid on virtually all causes of death; standard exclusions are death by suicide within the first two policy years and death linked to material misrepresentation in the application (e.g.,…

Question 48

What is medical malpractice insurance and why is it different from regular professional liability?

Accepted Answer

Medical malpractice — formally medical professional liability insurance (MPLI) — is the form of professional liability tailored to clinicians and healthcare entities. It responds when a patient alleges that a deviation from the standard of care caused bodily injury, illness, or death. The policy is structurally similar to E&O but has heavier defense expectations, larger typical limits, and specialty-specific underwriting. It also has unique features — consent-to-settle clauses, board complaint defense coverage, license protection, vicarious liability for supervised providers —…

Question 49

What is professional liability insurance and who needs it?

Accepted Answer

Professional liability — also called errors & omissions (E&O), or malpractice in healthcare contexts — covers claims that you made a professional mistake that caused a client or patient financial or bodily harm. The classic triggers are negligence, missed deadlines, flawed advice, miscommunication, and failure to deliver promised services. Any business that gives advice, renders professional services, or designs/builds something for a client should carry it. That includes healthcare practitioners, consultants, accountants, lawyers, architects, engineers, IT and tech firms, marketing…

Question 50

What is the deductible vs. copay vs. coinsurance vs. out-of-pocket maximum?

Accepted Answer

Four cost components in most modern plans. **Premium**: monthly amount you pay to keep the plan active, regardless of whether you use it. **Deductible**: annual amount you pay out of pocket before the plan starts paying for non-preventive services (preventive care is free under ACA). **Copay**: a fixed dollar amount per service after the deductible (e.g., $25 per primary care visit). **Coinsurance**: a percentage of cost you pay after the deductible (e.g., 20% of an MRI). **Out-of-pocket maximum (OOPM)**: the…

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Personal Insurance (42)

Questions, answered directly.

Browse FAQs

Personal Insurance (42)

Are LTC premiums tax-deductible?

Are NY plans different from plans elsewhere?

Can I see specific doctors / hospitals on the plan I'm considering?

Do I need a medical exam?

Doesn't Medicare cover long-term care?

How are disability benefits taxed?

How much does life insurance cost?

How much does LTC insurance cost?

How much life insurance do I need?

Is accident insurance only available through employers?

Short-term vs. long-term disability — what's the difference?NY

Term, whole, and universal life — which type do I need?

What does accident insurance NOT cover?

What does long-term care insurance cover?

What is accident insurance and how is it different from health insurance?

What is COBRA and how does it work for me as an employee?

What is disability insurance and why do I need it?

What is life insurance and how does it work?

What is "own occupation" coverage and why does it matter?

What is the benefit period and how do I pick one?

What is the deductible vs. copay vs. coinsurance vs. out-of-pocket maximum?

What is the elimination period and how do I pick one?

What is the Essential Plan and how is it different from a marketplace plan?NY

What is the NY Partnership for Long-Term Care?NY

What's the difference between an HSA, FSA, and HRA?

What's the difference between an individually owned policy and group life through my employer?

What's the difference between bronze, silver, gold, and platinum plans?

What's the difference between in-network and out-of-network coverage?

When can I buy individual health insurance?NY

When should I buy LTC insurance?

Who buys accident insurance and is it worth it?

How do beneficiaries claim the death benefit?

I had a covered accident — how do I file a claim?

I just got a surprise bill from an out-of-network provider. What do I do?

I'm having trouble getting a service approved (prior authorization, step therapy). What can I do?

I think I need to file a disability claim. What's the process?

I want to update my beneficiary. How?

My employer has group LTD and I have an individual LTD. How do they coordinate?

My income changed mid-year. How does that affect my marketplace plan?

My LTC carrier is asking me to either pay a higher premium or reduce my benefits. What do I do?

What if my health changes after I buy a policy?

When should I file an LTC claim?