Health Insurance Options For The Self-Employed

Health Insurance Options For The Self-Employed

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Home Page > Finance > Health Insurance Options For The Self-Employed

Health Insurance Options For The Self-Employed

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Health Insurance Options For The Self-Employed

By: David Faulkner

About the Author

You can also find more info on Short Term Health Insurance and Travel Medical Insurance.

(ArticlesBase SC #188810)

Article Source: http://www.articlesbase.com/ – Health Insurance Options For The Self-Employed

As increasingly more Americans are going to work for themselves, starting small businesses or working as independent contractors, the need for self-employed health insurance is on the rise.

Unfortunately, health insurance for the self-employed tends to be more expensive than employee-offered group insurance plans. This may be why well over half of all self-employed Americans don’t carry an insurance policy. While this saves them money in the short-term, it can be financially disastrous when they find they need to go see a doctor.

Getting Group Insurance

Group insurance is cheaper because everyone in the group increases the group’s purchasing power. Most people get group insurance from their employers, but it’s not the only way. Those who are self-employed do have some group insurance options. You can get group insurance plans from some trade or professional groups, civic organizations and churches.

For those who are just becoming self-employed, you can keep your group insurance plan for up to 18 months with a program called COBRA. COBRA simply extends your employee-offered insurance policy until you can get on your feet and find your own. It can also help you make the transition to a new insurance plan. For more information, and to see if you are eligible for COBRA, have a look at their website at http://www.cobrainsurance.com.

One way to save money on your insurance is to use your working spouse’s group insurance plan. If you spouse works for a large company whose insurance plan extends benefits for families and spouses, you may be able to get on their insurance. This is a good option for those who are just starting out with their own business. It’s not individually tailored to you, but it will save you money that you can spend on your start-up costs.

Getting Your Own Individual Plan

While looking for a good individual health insurance plan, remember that you are in control. Shop around and interview the insurance agents. There are lots of options available to you, and many companies to choose from, so don’t go with the first good one that comes along.

You also have to read the fine print and understand every detail of the health plan they offer you. When you are looking at different companies, check with your state’s insurance commission office to see if any complaints have been made against the company. This is a good way for you to find out if a certain insurance company is reputable or not.

Low Premiums, High Deductibles And Big Savings

Many self-employed people choose an insurance plan with low premiums and high deductibles. This means that what you pay each month is very low, but you end up having to pay more when you go to the doctor. Most people are eligible to start a health savings account. This is a tax free account that you can use when you need medical attention.

By saving money on your premiums but instead putting that money into a tax-free health savings account, you save money in the long run on your health insurance. When you have to pay those big doctor’s bills, you can roll over the money from you health savings account. For more info see http://www.medicalhealthinsuranceguide.org/ on health insurance

Disability

You’ll also have to make sure you get disability insurance. This is in case you are injured on the job and unable to work. Companies usually provide this, so self-employed workers have to take out a plan for themselves.

These work pretty much the same as insurance plans. You can choose between group and insurance plans. Usually, there are trade or profession specific disability insurance programs, where the risk of the entire profession is factored into the rates. These usually offer the best deal to self-employed workers.

When your business starts taking off and you hire employees to work for you, you can take out a group insurance plan for them, and cover yourself too. This is what small business owners usually do, and it saves them money.

Retrieved from “http://www.articlesbase.com/finance-articles/health-insurance-options-for-the-selfemployed-188810.html”

(ArticlesBase SC #188810)

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You can also find more info on Short Term Health Insurance and Travel Medical Insurance.

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Home Page > Finance > Insurance > 5 Benefits of Group Health Insurance

5 Benefits of Group Health Insurance

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5 Benefits of Group Health Insurance

By: Gary Zivkovich

About the Author

Gary Zivkovich is a writer for Group Health Insurance,the premier website to find Health insurance, Group Health Insurance, Health Insurance company, Group Health Insurance Company, Long term health insurnace, health insurance quotes and many more.

(ArticlesBase SC #508345)

Article Source: http://www.articlesbase.com/ – 5 Benefits of Group Health Insurance

Group health insurance brings in personal coverage provided by the company to the group of employee.

The primary advantage of getting the coverage under the group health insurance is to give protection in case of illness in the family and with the group health insurance you can get the health care from the panel doctor or hospitals to get the advantage of healthcare services. The Group health insurance is one of the best ways to get the benefits of the healthcare services to the group of people. There are different health related plans are available to get the better services. Please describe the services related to group health insurance plans. In the group insurance plan is offered by the company to offer the employer of the company directly to get the coverage with the insurance company to get the insurance benefits to the company to get the benefits of the employees. The insurance coverage from health maintenance organization (HMO).

1. There are small companies are also get the benefits of the group insurance companies to smaller group of companies to ascertain the small companies employee to get the benefits. The group involves the insurance company to give better coverage to the employee of the small group of companies.

2. There are large group of companies also participate in the group health insurance. It gives coverage under to the employee under the condition defined by the employer group insurance to get the advantage of the group health insurance company.

3. The Health Maintenance Organization (HMO) is a group of program under that the organization gets the total benefits of the full medical services to involve. Involvement of the group of medical practitioners, or hospital provides the participation to get the benefits..

4. Managed Care plan are get the long-term health insurance plan get the advantage of the group.

5. In the Preferred Provider Organization (PPO) can also provide the healthcare facilities to the doctors, hospitals, and many other healthcare providers.

Retrieved from “http://www.articlesbase.com/insurance-articles/5-benefits-of-group-health-insurance-508345.html”

(ArticlesBase SC #508345)

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Gary Zivkovich is a writer for Group Health Insurance,the premier website to find Health insurance, Group Health Insurance, Health Insurance company, Group Health Insurance Company, Long term health insurnace, health insurance quotes and many more.

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Ingratitude is Monstrous: A reaction to Mr. Aziz Nabe’s response to the article

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Home Page > News and Society > Politics > Ingratitude is Monstrous: A reaction to Mr. Aziz Nabe’s response to the article

Ingratitude is Monstrous: A reaction to Mr. Aziz Nabe’s response to the article

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Ingratitude is Monstrous: A reaction to Mr. Aziz Nabe’s response to the article

By: Kortor Kamara

About the Author

The author, Mr. Kortor Kamara has over 25 years experience in the insurance industry both in Sierra Leone and the United States. He is a Chartered Property & Casualty Insurer and holds the Workers Compensation Claims Professional (WCCP) designation. He is a Member of the Chartered Insurance Institute ( London); Certified Self-Insurance Claims Administrator-State of California; Registered World Bank Consultant and has served as a Consultant on various Insurance initiatives in Sierra Leone, including design of the country’s first Title Insurance Policy. In addition, Mr. Kamara is a graduate of Fourah Bay College, University of Sierra Leone, 1978-1981; studied Law at both the Univerisity of West Los Angeles School of Law and the California Southern School of Law in Riverside. He is currently a Doctoral Candidate in Insurance and Risk Management. Through association with Saddleback Re, were he serves as the Regional Manager, Africa Division, Mr. Kamara is intimately involved in the provision of reinsurance coverage, policy design, loss control, training and risk management services to the African Insurance marketplace. Mr. Kortor Kamara can be contacted at Kortorkamara@yahoo.com.

(ArticlesBase SC #834998)

Article Source: http://www.articlesbase.com/ – Ingratitude is Monstrous: A reaction to Mr. Aziz Nabe’s response to the article

It is not often that I would indulge in addressing a brother who clearly is down and out on his knees due to a self-inflicted, misguided and blind party loyalty induced diatribe which caused him to foolishly publish threats against the Ambassador of the United States in Sierra Leone, while performing her official duties and more recently threaten to unleash violence against any opposition to APC governance in his article in Patriotic Vanguard titled “Provocation is next to madness”.

I however would be remiss not to comment on a recent response,  by this APC party leader,  albeit verbal thug and mouthpiece,  Mr. Mohamed Aziz Nabe, a notoriously rabid but now exposed unrepentant irrational  intellectual lightweight and blind APC supporter in New Jersey to my balanced analysis and expose on Sierra Leone’s democracy, titled “Sierra Leone Democracy Requires More Than a Leadership Change”, published by the international website : www.articlesbase.com ; Patriotic Vanguard (December 29, 2008) and several online and local Sierra Leone newspapers.

Mr. Nabe’s response, published at the end of January, 2009 by the APC Times, Cocorioko Newspaper, Patriotic Vanguard and other online sites, while I was on a 6-week vacation in Sierra Leone has only recently been brought to my attention and glaringly highlights the magnitude of the challenges confronting change and the agents of change in our country.

Mr. Nabe’s insinuation that President Koroma’s APC administration and policies should be beyond reproach and analysis fly’s in the face of every tenet of accountability, transparency and democratic values that leaders entrusted with the peoples trust are held; values still very much lacking in our nation’s governance and which he clearly seeks to ensure does not prevail due to blind allegiance to party at the expense of the nation.

I am however not surprised as this mentality appears to be very widespread in APC circles in Freetown, where critical analysis and constructive criticism of policies and programs is erroneously equated with opposition.   As an example, while recently in Freetown I was labeled as “critical” by some members of the APC government, as a result of several insurance related articles and proposals advocating change I had previously advocated.  Mr. Nabe is only serving as an echo chamber for his masters.

As I indicated in the article, “democracy in Sierra Leone is being marred by a change of leadership syndrome that continues to be driven predominantly by tribal, regional and other considerations. This status quo has resulted in the current stagnation, exhibited in all facets of national endeavor that continues impeding the concept of continuous development desired for upward spiral of growth in nations”.

Mr. Nabe’s blind loyalty to the party is thus not only retrogressive, backward thinking and a threat to our nation’s democracy, akin to the old APC of Siaka Stevens which imposed a one-party APC oligarchy in our nation through violence, political intimidation and a “group- think” philosophy, which people of Mr. Nabe’s ilk are currently propagating in our body-politic, but moreover further exposes his basic misunderstanding of why the APC and President Koroma were elected in 2007.

As is publicly known in Sierra Leone and overseas, in spite of police brutality and incarceration at the infamous Clarkson Hall at Pademba Road prisons in 1980 at the hands of the APC government of Siaka Stevens for daring to advocate change for our country, I unlike Mr. Nabe, during the elections and run-off elections in 2007 went to Sierra Leone and stayed an aggregate of 5 months campaigning for change resulting in the ultimate outcome that ushered the APC to power. It is thus against this backdrop that I find Mr. Nabe’s attacks against me not only as a self-serving effort at ingratiating himself to his masters but very nauseating and regrettable.

For I am sure if Mr. Nabe were previously apprised of the role some of us played despite the efforts of very powerful people in our society to not only appeal to our collective basest instincts, which we soundly rejected in favor of change, he would not be espousing the sort of attacks against me or attempting to besmirch my reputation. Where was Mr. Nabe and others of his ilk who have since flocked into Freetown in search of positions while we were campaigning in Pujehun, Potoru, Freetown, Moyamba, Tiaama, Makeni, Bo, Kenema, Blama, Segbwema and enroute to Kailahun and undergoing vicious attacks from the SLPP?

For starters, Mr. Nabe needs to be reminded that President Koroma is a colleague of mine, whom I worked with for 4 years from 1981 to 1985, first at the claims department at the National Insurance Company (NIC) and subsequently at the marine department in Freetown. While he served as the Assistant Claims Manager I concurrently was the Superintendent in the Marine Underwriting Department until I travelled to the United States in 1985. I therefore refuse to be schooled by Mr. Nabe in the thinking of President Koroma and or any of the other insurance professionals in his government, all of whom I was privileged to have worked with as colleagues.

Finally, having just returned from Sierra Leone, I can emphatically state that the level of tribal polarization permeating our country is a cause for concern and unless addressed in the short term through proactive measures of national inclusion and cohesion the nation risks being torn asunder. We in the PMDC party decided on an alliance with the APC party in 2007, in part in an effort at breaking the barriers of tribalism and regionalism in our body-politic, which we felt had hindered development of our nation.

However, it is regrettable to note that since taking power President Koroma has embarked on enlarging the gulf and schisms between the regions of our beloved country and his recent cabinet reshuffle, according to most political commentators failed to change this growing perception especially in the south and eastern regions of the country.

President Koroma is clearly a very descent and articulate advocate for the type of change our country needs and I wish him every success in this endeavor, however with people like Mr. Aziz Nabe as his trusted advisers espousing the politics of intimidation, polarization and violence, he risks squandering the enormous goodwill from a majority of Sierra Leoneans.

Retrieved from “http://www.articlesbase.com/politics-articles/ingratitude-is-monstrous-a-reaction-to-mr-aziz-nabes-response-to-the-article-834998.html”

(ArticlesBase SC #834998)

Kortor Kamara -
About the Author:

The author, Mr. Kortor Kamara has over 25 years experience in the insurance industry both in Sierra Leone and the United States. He is a Chartered Property & Casualty Insurer and holds the Workers Compensation Claims Professional (WCCP) designation. He is a Member of the Chartered Insurance Institute ( London); Certified Self-Insurance Claims Administrator-State of California; Registered World Bank Consultant and has served as a Consultant on various Insurance initiatives in Sierra Leone, including design of the country’s first Title Insurance Policy. In addition, Mr. Kamara is a graduate of Fourah Bay College, University of Sierra Leone, 1978-1981; studied Law at both the Univerisity of West Los Angeles School of Law and the California Southern School of Law in Riverside. He is currently a Doctoral Candidate in Insurance and Risk Management. Through association with Saddleback Re, were he serves as the Regional Manager, Africa Division, Mr. Kamara is intimately involved in the provision of reinsurance coverage, policy design, loss control, training and risk management services to the African Insurance marketplace. Mr. Kortor Kamara can be contacted at Kortorkamara@yahoo.com.

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Home Page > Finance > Insurance > Benefits of Group Term Life Insurance

Benefits of Group Term Life Insurance

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Benefits of Group Term Life Insurance

By: Lesley Lyon

About the Author

Visit http://termlifeinsurance2.com for finding the best term life insurance solutions that offer high returns on your investments.

(ArticlesBase SC #697003)

Article Source: http://www.articlesbase.com/ – Benefits of Group Term Life Insurance

Major companies with many employees working for them, have an aptitude to retain their skilled employees and recruit new people who make a considerable contribution to the profitability of the company. The company is bound to safeguard the interests and safety of the employees and hence opt for various life insurance benefits which are a key element of any employee benefit plan.

Group term life insurance ensures the financial stability of the dependents of the employees, in case of the death of the employee. It is an affordable way to provide financial security to the dependents of the employees in the event of any unfortunate happening.

Basically, group term life insurance includes disability coverage and or death accelerated death benefit and the choice is left with the employee.  Different companies have various working situations, employment policy and financial obligations and the life insurance policies differ accordingly. There are many customer friendly features and options to meet the requirements of the company and the plans differ according to them.

The insurance companies offer a multitude of plans for various companies of all strata with variable features like living care benefit, liberal benefit amounts, dependent coverage and portability. The main advantage of a group term life insurance is the low cost benefits for the employees, without causing a burden on them by increasing the expenses.

Apart from companies, there are trade associations and unions and associations for college alumni that offer group term life insurance. Group term life insurance has some advantages over an individual policy. There is no need to meet certain health criteria in order to be eligible for group term life insurance. When the policy is taken for quite a large number of people, there is an averaging and subsidizing, giving a lower death benefit rate.

Since group term life insurance premium is taken from the monthly salary of the employee, it is an invisible and indirect savings in other words. In the event of the employee quitting the job from a particular company that has offered group insurance , it is feasible to transfer the group term life insurance policy into a whole life insurance policy-  meaning, the employee can stay with the same insurance company that provided group term life insurance policy. This can be accomplished without undergoing any medical exam which may be beneficial for those whose health may get deteriorated as they get older.

In addition, group term life insurance is not taxable if the face amount does not exceed two thousand dollars. Thus, group term life insurance puts the safety of the employee in the safe hands and ensures a worry- free life. In the perspective of the insurance companies, they give more incentives to group term life insurance because it involves very less paper work and they get the business in bulk.

Retrieved from “http://www.articlesbase.com/insurance-articles/benefits-of-group-term-life-insurance-697003.html”

(ArticlesBase SC #697003)

Lesley Lyon -
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Visit http://termlifeinsurance2.com for finding the best term life insurance solutions that offer high returns on your investments.

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Accounting for Business with HM Revenue and Customs, Inland Revenue

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Accounting for Business with HM Revenue and Customs, Inland Revenue

By: Terry Cartwright

About the Author

DIY Tax Accounting produces tax accounting software for company accounts and self employed business that incorporate tax software to automate the self employed tax returns for sole traders and the CT600 corporation tax return for a limited company. Small business accounting software designed to produce tax accounting solutions for non accountant business clients to complete their tax affairs.

(ArticlesBase SC #865034)

Article Source: http://www.articlesbase.com/ – Accounting for Business with HM Revenue and Customs, Inland Revenue

The Inland Revenue tax authority has been around since 1665 and until 2005 was a direct taxation department where in all the matters with regard to taxation and its various policies were resolved by the British Government. Income tax, national insurance contributions, corporation tax, revenue and stamp duty along with all kinds of capital gains were collected by them and income tax payers used to keep a healthy relationship with the organisation as it proved to be a boon for them and their customers.The Inland Revenue merged into HM Revenue and Customs in 2005.

Accounting for business and ensuring that you and your business always declare your revenues to the organisation which is now HM Customs & Revenue, and always paying your personal national insurance, is a necessity as is setting up a good accounting structure within your business. It is truly good practise to always update your books with latest changes occurring in accounting, in addition to the usual you expect to have to record such as payroll, net and gross pay, expenditure etc. The Inland Revenue tax office and employers helpline provides information with regards to all its policies which both you and your customers need to know, but getting into accounting and managing them well now will set your standards high even if you are just starting up your business.

The Inland Revenue is responsible for the payment of working tax credit, child benefit and child tax credit. As a payer of national insurance, you may already be fully aware of the Inland Revenue, or HMRC, and some of their processes but things certainly change when you are setting up or expecting to launch a small business, so set your high standards and familiarise yourself with the organisation and their requirements in advance of accounting deadlines. When the Inland Revenue merged with customs and excise in 2005 they took on new authority in supporting you and your business and learning the processes that you are expected to be able to follow whilst your business is young is one of the best recommendations on offer.

You can build your business and run it smoothly by taking advice offered by the HMRC simply by utilising a wide range of services like the electronic service where you are able to take in completed business forms, income tax returns and other accounting reports to be checked for no extra cost – this is generally a service which is offered to businesses and self-employed workers that hand in the paperwork early and want to sort out their income tax, national insurance or tax accounting issues with the least hassle. If you are a self employesd start up business, then you would not be required to register for paye or conduct payroll until the business takes on its first employees. Inland Revenue teams can be contacted for general questions or to offer support regarding payroll, paye employee and tax and accounting issues should you need them. There are, indeed other organisations that can answer your questions your accountant is best placed to assist you, especially where you have a question directly associated with your business such as national insurance or wage issues, as they have experience of your accounts and are aware of the size of your business etc.

HMRC, the Inland Revenue tax office offer a comprehensive online service where you are able to make direct payments of vat customs invoices, declare latest payroll figures or you can simply go online to discover more about the accounting support they can offer you helping you and your business to achieve goals in the longer term.

HMRC are increasingly moving away from paper tax returns to online filing of tax records which is faster and more efficient. For a business to use the Inland Revenue online services the business is required to register online first.

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(ArticlesBase SC #865034)

Terry Cartwright -
About the Author:

DIY Tax Accounting produces tax accounting software for company accounts and self employed business that incorporate tax software to automate the self employed tax returns for sole traders and the CT600 corporation tax return for a limited company. Small business accounting software designed to produce tax accounting solutions for non accountant business clients to complete their tax affairs.

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Home Page > Finance > Insurance > California: Group Health Insurance Coverage vs. Individual Health Insurance Coverage

California: Group Health Insurance Coverage vs. Individual Health Insurance Coverage

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California: Group Health Insurance Coverage vs. Individual Health Insurance Coverage

By: Rick Lewis

About the Author

Quoting & Saving just got easier…EasyToInsureME Health Insurance Quotes… Quote all carriers in seconds

California Health Insurance
Nevada Health Insurance

(ArticlesBase SC #1443133)

Article Source: http://www.articlesbase.com/ – California: Group Health Insurance Coverage vs. Individual Health Insurance Coverage

Although health insurance isn’t required in the state of California, having the benefits for your employees not only promotes loyalty, but also provides a healthier employee base. For families, health insurance is a cost effective way of making sure your loved ones are taken care of, for whatever the health reason.

California coverage can be difficult to decipher, however. Different plans provide varying degrees of coverage at different costs. If you’re looking for health insurance, whether for yourself, your family or your business, a little clarity may help.

Group Health Insurance vs. Individual Health Insurance

Insurance carriers differ on the types of coverage they offer. However, many offer both group and individual insurance, each type with its own set of rules, regulations and standards:

Individual health insurance, as the name implies, can be provided
for individuals and families. It’s a single policy dealing with one person or family. Generally, individual health insurance coverage is for those not covered through employment, or those that aren’t eligible for publicly subsidized coverage. Many individuals also choose this type of coverage when their group coverage through employment runs out.

Individual insurers can deny you medical coverage based on whether you or your family is considered “high-risk”. High risk includes pre-existing conditions such as cancer or immunodeficiency diseases, someone who smokes and/or drinks and many others. The definition of “high-risk” depends completely on the insurer, who will expect the insured to go through a health exam to determine whether the high risk factors are there.

Premium payments are usually expected on a monthly basis. How much those premiums are depends on the coverage you need, as well as the insurer you choose. In addition, depending on the insurer, you may have to pay additional costs for medical treatment. You might pay a portion or a fixed amount for any hospital visits.

If you’re filling out an insurance quote, make sure you pay special attention to the policy, any medical problems you may have, what primary physicians and specialists are in the insurance network, the amount of deductible and the out-of-pocket costs. All of these points will factor into how much your individual health insurance coverage will cost, as well as what you can do with it.

Group health insurance provides coverage for groups, such as to a company for their employees or a specialized set of freelancers. Compared to individual coverage, group health has an entirely different set of rules.

The main point at which individual and group insurance differs is that insurers can’t deny group coverage because of medical issues. In fact, it’s a California law that small employers (2 to 50 full time employees) be guaranteed group health insurance coverage if they choose to purchase it. The health status of the employees can’t be held into account.

Likewise, the insurers calculate risk differently. While individual insurers calculate the risk of the individual, group insurers spread the risk over the entire group. This also applies to how they determine the price of the premium. Rather than an in depth medical exam, insurers use risk factors such as age and gender – general demographic information – to determine premium costs.

Several insurers carry a wide variety of group plans. If you choose to offer health insurance to your employees, make sure you investigate both the insurers and the available insurance plans to get the best quotes for your business.

Retrieved from “http://www.articlesbase.com/insurance-articles/california-group-health-insurance-coverage-vs-individual-health-insurance-coverage-1443133.html”

(ArticlesBase SC #1443133)

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Quoting & Saving just got easier…EasyToInsureME Health Insurance Quotes… Quote all carriers in seconds

California Health Insurance
Nevada Health Insurance

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