Once an individual has basic estate planning documents, trusts, life insurance, and wills in place it is important that all beneficiary designations are current and reflect the individual’s wishes. It is very difficult to change beneficiaries once an individual loses legal capacity. It may be too late if a stroke, Alzheimer’s, or other medical issues […]
Heart attacks have beginnings. Symptoms such as sweating, chest discomfort, shortness of breath, weakness, or shoulder and/or arm pain may be present hours or WEEKS before an actual heart attack. EHAC (Early Heart Attack Care) is a program that teaches individuals how to recognize the early symptoms of a heart attack. Each year 750,000 people […]
COBRA coverage is guaranteed issue so long as the applicant submits the completed application within 60 days of losing employer group health insurance coverage (or during an open enrollment period.) Whether to choose COBRA coverage or an individual ACA plan on the Marketplace (healthcare.gov) comes down to money and benefits offered. If an individual qualifies […]
