Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves, not looking to your own interests but each of you to the interests of the others.  - Philippians 2:3-4

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Do nothing out of selfish ambition or vain conceit. Rather, in humility value others above yourselves, not looking to your own interests but each of you to the interests of the others.  - Philippians 2:3-4

Disability insurance: Preparing for the Unexpected

May 6, 2021
A family is sitting at a table in a kitchen eating food.

In a time when the global pandemic has changed the fabric of life as we know it, the theme “Reality Check” is more relevant now than ever. And the message is straightforward: Life can change quickly, and an illness or injury could take away your ability to earn a living. The truth is your income is your most valuable asset and provides for you and your loved ones. It’s easy to pretend accidents or ailments don’t happen, but the fact is, per the U.S. Social Security Administration, around one in four 20-year-olds will become disabled before they retire. That’s a scary stat, but there’s a way to set up a safety net. Long-term and short-term disability insurance protects your paycheck — and by extension, your family.

There are two types of disability insurance. Short-term disability insurance replaces a portion of your paycheck for a short period of time. Think three to six months. Long-term disability insurance, on the other hand, provides coverage if you’re out of work for a longer period of time. For instance, a family faced with a Parkinson’s diagnosis of an income earner would be faced with major life adjustments without the paycheck protection long-term disability provides. Likewise, as we have seen this past year, an illness that lasts a few weeks up to a few months can still devastate a person’s finances – and that is when short-term disability becomes the asset.

If anyone in your life depends on your income, you need disability insurance. Prepare today for the unexpected.

New Year, New You

January 13, 2025
As 2025 begins, it’s time to focus on improving health and well-being. Here are some simple yet impactful resolutions to make this year healthier: 1. Prioritize Preventive Care Schedule check-ups, screenings, and vaccinations early to catch potential health concerns before they escalate. 2. Move Daily Stay active with activities you enjoy, like walking, yoga, or dancing. Aim for 30 minutes of moderate exercise most days. 3. Eat Nutrient-Rich Foods Add colorful fruits, vegetables, lean proteins, and whole grains to your diet. Small swaps, like choosing water over sugary drinks, can make a difference. 4. Care for Your Mental Health Dedicate time to reduce stress with meditation, journaling, or time in nature. Seek professional support if needed. 5. Improve Sleep Habits Commit to consistent bedtimes, relaxing routines, and minimizing screens before bed. Aim for 7-9 hours of sleep nightly. 6. Strengthen Connections Nurture relationships with friends and family through meaningful interactions. Social ties boost happiness and health. 7. Set Realistic Goals Break big goals into smaller, achievable steps and celebrate progress. 8. Stay Hydrated Drink at least 8 cups of water daily. Enhance it with a slice of lemon or cucumber for flavor. 9. Limit Screen Time Take breaks, create screen-free zones, and replace digital activities with offline ones. 10. Give Back Volunteering or helping others enhances your sense of purpose and well-being. The Bottom Line Focus on small, sustainable changes for lasting health benefits. Here’s to a happy, healthy, and fulfilling 2025

The Importance of Creating a Profile in Your Health Insurance Carrier Portal

December 20, 2024
In today’s digital age, managing your health insurance has never been easier—and creating a profile on your health insurance carrier’s portal is the key to unlocking this convenience. Whether you’re new to a plan or have been with the same carrier for years, setting up an online account can save you time, reduce stress, and provide quick access to critical information. Here’s why having a portal profile is a must for every policyholder. 1. 24/7 Access to Your Plan Details Once you create a profile, you can log in anytime to view your plan’s coverage details, including deductibles, copayments, and out-of-pocket maximums. This eliminates the need to sift through paperwork or wait for customer service during business hours. 2. Easily Access ID Cards Misplaced your health insurance ID card? No worries. Most carrier portals allow you to download digital versions of your ID cards instantly. This is especially helpful during doctor visits, pharmacy runs, or when managing a family member’s care. 3. Track Your Claims and Benefits Understanding what’s been paid, what’s pending, and what you owe is essential. With a portal profile, you can monitor your claims in real time and review your Explanation of Benefits (EOB) statements without waiting for mail delivery. This transparency helps you stay on top of your healthcare finances. 4. Find In-Network Providers Looking for a doctor, specialist, or facility within your plan’s network? Carrier portals often feature search tools that allow you to locate in-network providers quickly. Staying in-network ensures you maximize your benefits and minimize out-of-pocket costs. 5. Manage Prescriptions Many portals include tools to review your prescription drug coverage, locate preferred pharmacies, and even refill medications. If your plan uses mail-order pharmacy services, you can manage and track deliveries right from your portal account. 6. Receive Important Notifications Carriers often send critical updates and reminders through their portals, such as policy changes, claims updates, or renewal notices. Creating a profile ensures you don’t miss out on timely information that could affect your coverage or healthcare decisions. 7. Save Time on Customer Support Need to update your address, change coverage details, or check on a claim? Instead of waiting on hold with customer service, you can make many changes and inquiries directly through your portal. This self-service option saves you valuable time and simplifies plan management. 8. Stay Organized Your health insurance portal acts as a central hub for all your healthcare information. From claims history to medical expenses, having everything organized in one place makes it easier to track spending and plan for future healthcare needs. Take Charge of Your Health Insurance Creating a profile in your health insurance carrier portal empowers you to take control of your healthcare experience. With easy access to your plan details, claims, ID cards, and more, you’ll save time, reduce stress, and make the most of your benefits. If you haven’t already, take a moment to register today—your future self will thank you!
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