PUBLIC HEALTH

find ratings of the best medicare supplemental insurance

2009-07-24T19:18:00.000-07:00

Medicare Supplement Plan Additions and Changes

The two new Medicare Supplement Plans include Plan N and Plan M. Plan N will offer similar benefits to Plan F along with a $20 co-payment for doctor visits and a $50 co-payment for visits to the emergency room. Plan N will cost about 70 percent of Plan F.

Medigap Plan M also offers similar benefits to the current Medigap Plan F. However, Medigap Plan M will cover only 50 percent of parts A and B deductibles. Medigap Plan M will cost about 85 percent of Medigap Plan F.

All Medicare Supplement Plans will have a hospice care benefit added to them. Also, Plan G will have 100 percent coverage for excess charges; it currently has 80 percent coverage for such charges.

Medicare Supplement Plans Being Eliminated

Plans E, H, I, and J will no longer be offered beginning in June 2010. The preventative care and at-home-recovery benefits will also be eliminated from Medigap policies.

Seniors are advised to review their Medicare plans to see if they will be effected by the changes or if they can get lower rates with the new plans. They may also wish to consider obtaining Medicare Part D to cover some costs of medications. Medicare Part D helps to reduce the cost of many medications, but may not be used in conjunction with some Medicare Plans. Therefore, it is recommended that all Medicare subscribers review their options with an advisor that can provide specific information and advice on a case-by-case basis to Medicare subscribers.

More Changes to Medicare

In addition to the changes to Medicare Supplement Plans, there will be more changes to the Medicare program, in general. Some of these changes include increased rates for deductibles and other benefits. Also, many insurance companies are no longer offering some Medicare options, including PFFS plans, in order to offset the increasing expenses for healthcare providers and insurance carriers.

All Medicare subscribers are encouraged to review all changes to the Medicare options that may be available to them. Open Enrollment for changes to Medicare Plans begins on November 15 and ends on December 31, 2009 for the 2010 year.

About the Author
By Wiley Long - President, MedigapAdvisors.com - The nation's leading independent agency specializing in Medicare Supplemental Insurance. Our professional MediGap advisors look forward to the opportunity to help you get the best insurance for your healthcare needs.

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2009-07-24T19:16:00.000-07:00

Beginning in 2010, consumers will see dramatic changes in available Medicare Supplement Plans, including the addition of two plans and the elimination of four plans. The changes, which take effect on June 1, 2010, will lower out-of-pocket expenses to consumers and give consumers some additional benefits in their current plans.

Medicare Supplement Plans, also called Medigap Insurance policies, are plans that are sold by private insurance companies to cover healthcare costs that are not covered by Medicare in Original Medicare Plans. Individuals are eligible for Medicare healthcare coverage if they are at least 65 years old or have a qualifying disability.

Currently, there are 12 different types of Medicare Supplement Plans, labeled Plan A through Plan L. Each different plan offers a unique set of benefits. Different plans may be available in different parts of the country.

Medicare Supplement Plans must abide by all Federal and State laws that are designed to protect consumers. However, because these plans are sold through private insurers, prices for the same plan may vary from insurer to insurer.

blue cross blue shield medicare supplemental insurance

2009-07-24T19:14:00.002-07:00

The kind of coverage available with an insurance plan always depends on the insurance company from which you purchase the plan. Many supplemental health care insurance plans offer cash benefits and compensation for lost income. Some supplemental health care insurance plans even cover pre-existing conditions; pre-existing conditions are prevalent among seniors.

Long term health care can be expensive. Without discount long term health care insurance most families cannot afford the care with only their own resources.

The good new is, there are 42 companies in Oregon that provide long term health care insurance. The bad news is, for many people the cost of such insurance is a severe financial strain. What are some things you can do to lessen the cost of the monthly premiums on a long term health care insurance policy.

Long term care insurance typically covers services such as nursing home care, assisted living, and adult day care. Long term care is designed to protect against an unaffordable catastrophic event or illness. Long term care can be expensive and may go as high as $200 a day in some areas. Always find out what the costs are in your area before deciding on a policy.

Long term care can also be considered as asset protection. If you can afford to purchase long term care protection, and your health has not been affected by an unfortunate event, it can be wise to purchase a policy. Many people don't think about long term care insurance until it's to late. You may want to check into your options now!

About the Author
Read About Product Rating Also Read About Long Term Health Care Insurance and How to Get Rid of Bacterial Vaginosis

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2009-07-24T19:14:00.001-07:00

More and more people today are worried about the costs of long-term health care. They are worried if something happens to them they may run out of money and burn thru their reserves. The average nursing home stay is 2.5 years of care and the average cost is over $130.00 per day. That is the average yet in many areas with nursing shortages and higher income demographics the rates are more significant. It is estimated that more than 10% of us who reach age 65 will nursing home care for more than 5-years.

In-home health care is the best option for people who have a higher level of fitness, and want to remain as independent as possible throughout their later years. In this situation, home health care nurses may come and visit you daily, or every couple of days, to take care of your everyday medical needs. Also, a housekeeper may be utilized, as well as a personal health care attendant, who would be responsible for more of the day-to-day living help - such as a companion, driver, cook or the like. In-home health care is quite easy to locate; just contact a nurses' association or look in the Yellow Pages.

The different types of home health care insurance depend on each policy's extent of coverage when paying for home health care services. Private insurance usually only pays for part of the home health care costs which include personal and hospice care. Managed care insurance plans may offer some help with home health care costs if the home health care provider is Medicare-certified, these plans also require hefty premiums.

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2009-07-24T19:12:00.002-07:00

The child must not be married and should be 18 years and older. Meanwhile, his/her disability should have started before the age of 22.

It is not necessarily that the child had previously worked since the benefit will be based on his/her parents' earning records. In some cases, the child may even get Medicare assistance.

* SSI Child's Disability benefits

For those individuals who have become disabled before turning 18 years old, they can have SSI claims. Meanwhile, recipients should not be earning or working more than $980 a month (the amount may change every year).

The Social Security Administration (SSA) also considers the income of the child's family. In case that the income is more than the SSA's standard, the child will not get SSI payments.

SSA also limits the payment when a child is in medical facility and since the health insurance already pays for his/her needs.

* Supplemental Security Income (SSI) benefits

People are given cash handouts to buy foods, clothing, and other basic needs. The benefit is also to granted disabled, blind, old individuals who have little or no source of income.

* Disabled Widow's and Widower's Benefits

In case that a Social Security member dies, the benefits may be payable to his/her surviving spouse with disability as long as these requirements will be met:

- the surviving spouse is aged between 50 to 60 years old.

- the surviving spouse should meet the definition of adult disability according to SSA.

- the disability of the surviving spouse started before the death of the SSA member and up to seven years after his/her passing.

About the Author
To help you with issues on social security disability and other related concerns, consult with our skilled Los Angeles social security disability attorneys. Visit our website for more reliable information.

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2009-07-24T19:12:00.001-07:00

Social Security benefits for disabled people

Social Security is a government program that protects people from poverty, old age, and unemployment. Disabled person can also benefit from this federal assistance as long as they will file their claims.

Social Security Act describes disability as an individual's inability to work due to his/her physical condition, sickness, or mental impairment which is expected to result to subsequent death or is expected to live not less than a year. Meanwhile, beneficiaries of Social Security Disability Insurance should also be under 65 years of age.

This federal assistance is intended to last until the recipient's condition improves. Also, this provide guaranty in case that the person's condition will not improve.

Meanwhile, it is very important to seek a legal advice from Los Angeles Social Security Disability Attorneys who have an extensive background on handling such cases.

Two types of Social Security Programs

* Social Security Disability / Retirement Survivors Disability Insurance (SSD/RSDI) - this applies to people who have worked in the US for an extended period of time.

* Social Security Income (SSI) - this is for people who have no work record in the US.

By law, there are five basic kinds of social security disability benefits:

* Disability Insurance Benefits Beneficiaries are those who have worked in the US for at least 10 years and have become disabled.

* Disabled Adult Child Benefits

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2009-07-24T19:11:00.001-07:00

To produce more income, you can convert investments to generate more cash flow or decide which assets to sell, or spend down, to meet the new financial demands. In making these decisions, don't forget to consider all costs involved, and determine the true net benefits and/or returns of any new choices made with the proceeds. Do a thorough cost-benefit analysis or ask a professional with elder care financial expertise, experience, and legal fiduciary obligation, to help you do it. You might also want to talk with an elder care attorney, geriatric care manager or financial planner.

When making these crucial care and financial decisions, avoid band-aid solutions. Denying future circumstances can be financially devastating down the road if you don't consider them now. Determining the best solutions requires comprehensive, objective planning, to ensure needs are met, resources are not exhausted, and all cost-effective strategies are utilized.

One last point: there are also strategies that can be built around incorporating the resources of the family (i.e., time and money) to take advantage of a variety of available options, such as sharing the caregiving duties and/or costs. But don't forget the bottom line: these financial decisions should be based on the needs of the individual who need care!

About the Author
Please visit the Gilbert Guide for the very best in Senior Care and for more information about Senior Home Care

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2009-07-24T19:10:00.001-07:00

Once you've answered these questions, it's time to identify, analyze and evaluate your financial resources. The majority of elder care costs are provided and paid for by the aging individuals and their families; therefore, I'd like to focus briefly on how to unlock these private resources. I advise my clients to consider the following resources.

Insurance: Long-term Care, Life & Annuities

* What are the benefits and how can you obtain them?

* What is the cost of tapping these benefits?

Assets: Investments, Savings & Retirement Funds

* What is the value of these assets, both individually and bundled?

* Consider the safety and liquidity of all assets.

* Can they facilitate income to meet expenses?

* What are the true net financial returns or benefits of alternative solutions?

* Consider all associated costs, such as taxation impact, cost of sale and acquisition fees.

* How are the assets legally held (e.g., trusts)? Understand the specific terms.

Real Estate

* Are there income production possibilities that don't presently exist?

* Consider the capital gains taxation on a possible sale. Does it make sense to sell?

Financing: Real Estate Equity Loans & Reverse Mortgages

* Understand the true costs, including all associated fees. Compare APRs (annual percentage rates).

* What are the alternatives to meet the needs of "aging in place"?

Personal Property

* Assess the financial value of personal property such as jewelry, art, collectibles and antiques.

* Consider the personal value of these items before deciding what you want to do with them.

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2009-07-24T19:08:00.002-07:00

When shifting circumstances bring unexpected elder care costs, they also bring the urgency of having to make short and long-term financial decisions. It is at this point that one must confront the reality of the exorbitant costs of care for the chronically ill and elderly.

In 2007, the annual cost of long-term care in the US averaged $77,000. While many people are woefully unprepared to handle these high costs, many others have serious misconceptions about the real costs of long-term care and how much they will have to pay.

Consider these surprising facts:

* Medicare only covers 8% of assisted living and in-home care costs. Medicare, Medicare Part D and Medicare supplemental plans will only cover short-term and medically required costs.

* The average cost of nursing home care is approximately $300 per day.

* In 2007, in-home care costs increased by 12%.

Formulating a Financial Strategy

Paying for long-term care is a significant expense. You'll want to consider all of your options before committing to a plan. To start with, ask yourself the following:

* What is the present income stream?

* How much will the expenses be, considering all alternative solutions?

* How can you bridge the discrepancy between present income and future costs?

* What financial preservation strategies are available?

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2009-07-24T19:08:00.001-07:00

Most people are well aware of the gaps within the original Medicare plan. For one, there is no stop loss feature. Other health insurance policies will pay 100 percent toward certain medical services after you meet your deductible, for example, you might have to pay $1,500 per year before your benefits will kick in. If you have Original Medicare and need hospital care or must enter a nursing home, this applies to you.

Many people buy Medicare Supplemental (Medigap) Insurance policies to fill in the gaps within their existing coverage, which might include co-payments or deductibles. Medicare Advantage Plans cover all the same services Original Medicare covers, and potentially some it doesn`t.

These plans are offered in some parts of the country through private insurance companies, but are still part of the Medicare program. If you`d like to switch to a Medicare Advantage Plan, now is the perfect time. Open enrollment for Medicare Advantage extends from January 1st through March 31st. You are eligible for a Medicare Advantage Plan if you currently have Medicare Part A or Part B. You will, however, need to see doctors and use hospitals within the plan, much like you would with an HMO. If you`d like to switch plans, keep in mind that you cannot drop Medicare prescription drug coverage. If your existing plan has prescription drug coverage, then your new one needs to have it as well.

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2009-07-24T19:04:00.000-07:00

For seniors with both Part A and Part B Medicare, your home health care situation is usually covered, save for the 20% out-of-pocket expenses for medical equipment. Just remember to keep track of your Medicare insurance benefits (and Medigap if applicable) by verifying with your physician, home health care agency, and insurance representative. Paying for home health care does not have to cost you an arm and a leg, but do be prepared for the occasional (but necessary) out-of-pocket medical expenses.

Sources

1. Centers for Medicare and Medicaid Services, Medicare and Home Health Care, page 6 2. Medicare website: "Your Medicare Benefits." 3. Ibid. 4. Ibid. 5. Medicare website: "Medigap (Supplemental Insurance) Policies."

About the Author
Gilbert Guide was founded on the concept that quality matters, and its primary goal is to educate consumers on a breadth of senior care issues. Visit http://www.GilbertGuide.com for a comprehensive provider database, expert advice, and quality assessment tools that help consumers conduct their own "expert" evaluations of providers.

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2009-07-24T19:03:00.000-07:00

However, Medicare will not cover twenty-four hour care at home, meals delivered to your home, and services unrelated to your care such as housekeeping. Of course, as mentioned above, you will be required to pay 20% for medical equipment not fully covered by Medicare insurance such as wheelchairs, walkers, and oxygen tanks (4).

In some cases, your home health care agency may present you with a Home Health Advance Beneficiary Notice (HHABN), which, simply put, means if your agency is ceasing your care services, you will be presented with a written statement outlining the supplies and services the agency believes your Medicare insurance benefits will not cover as well as a detailed explanation of why. Should this situation arise, you do have recourse - the HHABN lists directions on acquiring the final decision on payment issues or filing an appeal if Medicare refuses to cover costs for home health care. In the meantime, you should continue receiving home health care services, but keep in mind that you will be paying for these services out-of-pocket until Medicare accepts your claims and remits past expenses.

Medigap and Other Out-of-Pocket Expenses

Medigap, a supplemental insurance policy, is sold privately and covers the services and supplies not paid for by Medicare insurance. When used in conjunction, Medigap and Medicare can often cover a large majority of the costs of your home health care. Insurance companies offer a variety of different Medigap policies (A through L), but since each one comes with specific benefits, you'll need to compare the highlights closely. Medigap policies vary by cost, and many insurance companies require you to have both Medicare Parts A and B in order to purchase a supplemental plan (5).

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2009-07-24T19:02:00.000-07:00

Hospital Insurance (Medicare Part A) helps cover the costs of your inpatient care at hospitals, skilled nursing facilities, or religious non-medical health care establishments. Part A can also help cover hospice and home health care services. Individuals aged 65 and older are usually automatically enrolled in Medicare Part A and do not have to pay a monthly premium if Medicare taxes were paid while working. If you did not pay taxes, you are still eligible, but you will be required to pay a monthly premium.

Medical Insurance (Medicare Part B) helps cover services such as those offered by your physician and outpatient care. Many seniors maintain their enrollment in Part A, but elect not to use Part B, which requires a monthly premium that is dependent upon income, the requirements of which change yearly. Unfortunately, if you didn't sign up for Part B when you were first eligible for insurance, your premium may be slightly higher (2).

For questions on your Medicare insurance benefits, you should contact 1-800-MEDICARE or read the handbook mailed to you each year entitled "Medicare and You."

What's Covered and What's Not

Medicare insurance pays for physical and occupational therapy and speech language pathology services, counseling, some medical supplies, durable medical equipment (which must meet coverage criteria), as well as general assistance with daily activities which include dressing, bathing, eating, and toileting. For most other medical equipment, Medicare insurance will cover 80% of its cost (3).

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2009-07-24T19:01:00.000-07:00

Prescribed only by a physician, home health care is skilled nursing care that aids in the recovery from illness, injury, or surgery in the patient's home. And fortunately for many seniors who are now opting for care at home, Medicare insurance covers most costs related to home health care.

The government, however, has set some limitations on payouts - you are only eligible if you need intermittent care (usually defined as seven days a week or less than eight hours a day over 21 days or less) (1), physical/occupational therapy or speech language pathology; you are homebound; and the home health care agency providing care is approved by your Medicare insurance program.

In addition to medication administration, general supervision, and therapy services, the Medicare home health benefit covers a number of other necessities, including medical aids and supplies to aid in recuperation. On the occasion, though, you may be required to cover some of the costs associated with home health care. But what can you expect to pay out-of-pocket that's not covered by Medicare dollars?

Medicare Insurance: Part A and Part B

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2009-07-24T19:00:00.000-07:00

Because the state government usually adds money to the amount of federal SSI payment, the single payment that a California claimant regularly receives at the beginning of each month may include both payments from state and federal governments.

Aside from this, he is automatically entitled to medical assistance benefits through Medi-Cal, unlike in other states where one has to make a separate application for it.

Though many people receive both SSI and Social Security benefits, it is still possible to get both Medicare and Medicaid.

The state pays the Medicare premiums for people who receive SSI benefits if they are also eligible for Medicaid.

Similar to MediCal, if you get SSI and have Medicare, you will also be eligible for extra help without filing a separate application.

Medicaid also provides free health coverage to most low-income children through State Children's Health Insurance Programs.

Although the limits vary in most states, you may qualify with certain Medicare costs under the state and federal programs under the following circumstances:

* you receive Medicare

* your income is limited

* your resources are not more than $4,000 for one person or $6,000 for a couple In addition to these, a claimant may also take other social services, although he is already receiving a supplemental security income. These may include the following:

* A special allowance for assistance dogs for people who are blind or have a disability

* In-home support services

* Protective services Other benefits that may be available to eligible claimants include the following:

1. Temporary Assistance for Needy Families (TANF) program -this benefit provides cash block grants to states. TANF gives states the flexibility to determine TANF eligibility rules and to set TANF payment amounts. Under this program, the blind or disabled adult or child, or an elderly family member in a household may still receive SSI and TANF benefits at the same time.

2. Medicare for Children

In choosing which supplemental security income will suit your need, it would be better to seek advice of someone who has the experience and skills in the field, preferably a social security lawyer.

About the Author
To help you pursue supplemental security income claims, consult with our skilled social security law attorneys. Visit our website and call us toll free for legal assistance.

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2009-07-24T18:54:00.000-07:00

Generally, supplemental security income (SSI) is given to poor and deserving individuals through funds from the federal Social Security Administration. These persons often include those who are deprived and unemployed, people who are 65 or older, as well the blind and disabled people of any age, including children.

To qualify, one must satisfy the following requirements:

* have little or no income and few resources

* the value of one's possessions must be less than $2,000 if he is single or less than $3,000 if he is married

* a claimant must also apply for any other cash benefits you may be able to get

* He must be living in the United States or the Northern Mariana Islands. However, if he is not a U.S. citizen, but a resident, he still may be able to get SSI.

One's supplemental security income claims may be affected by other benefits that he receives from the state or federal government.

For instance, an SSI claimant in California may not be able to get food stamps because the state adds money to the federal SSI payment.

However, he may still avail of this benefit under the following conditions:

* If your application for SSI is denied

* If you move to another state

* While you are waiting for a decision on your SSI application

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2009-07-24T18:52:00.000-07:00

Dieting- is it good for me?

People start dieting just by reading an article in a newspaper or magazines. However, it is always suggested to opt for dieting only after consulting a doctor or dietician. Diets can cause several problems such as:

# Your body may start thinking to starve which will store more of your food as fat. Hence, instead of losing weight you will actually start gaining.
# You are likely to get ill if you do not choose right foods for dieting.

Therefore, take your dairy and visit a doctor for jotting down the essential foods for dieting.

Healthy facts

Everyone can lose the unwanted fats or gain weight by choosing right food and right lifestyle. You just need to have little discipline and right attitude towards your body. Some of the foolproof tips to stay in a right weight are as follows:

# Eat foods which are highly nutritious.
# Take heavy breakfast, and include fruits in your meals.
# Exercise at least half an hour for five days a week.
# Take rest by sleeping at regular times.
# Consult a doctor for nutritious food.

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2009-07-24T18:20:00.000-07:00

Believe it or not, it's possible to stay healthy even when your work shifts. Every night, a large segment of the Indian workforce keeps the economy moving. The schedules of shift workers differ so greatly from most others that these shift workers can sometimes feel they are living in a parallel universe. Shift work presents many challenges and can leave little time for a healthy lifestyle. If you are a shift worker looking to adopt a successful health regime, you have to know how to eat nutritiously, how and when to exercise, and how to get enough sleep so that you recover from the tiredness of our work.

A study of shift workers completed by the Harvard School of Public Health found that, 'a poor diet was recognized as a common factor '. Lack of preparation before heading to work leads to grabbing something quickly to eat on the job. While working late shifts, the choices are often limited to fast food chains or roadside stalls. To avoid this, plan ahead and bring your meals with you.

Use your days off to cook large quantities of food that you can freeze or refrigerate for later and quickly pack and take with you on your shift. Stick to wholesome foods that include high quality carbohydrates, protein and healthy fats. Stay away from high-fat and high-sodium foods. Eat small, frequent meals every few hours to keep your energy levels consistent throughout the day (or night). Protein shakes and meal replacement drinks are a great way to get a fast, convenient meal.

Exercise will give you increased energy and help you to adjust to rotating shifts. Depending on how much physical labor you do on your job, you need to balance your workouts to complement your workload. If you do a great deal of physical lifting at work, be sure that when you exercise you are not over working your body, and that you work on muscle groups that are seldom being used to balance your body structure and avoid injuries.

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2009-07-24T18:17:00.000-07:00

Studies have shown that there are number of people who experiences interrupted sleep. Lack of good-quality sleep brings number of problems besides feeling tired throughout the day. Traffic accidents, poor concentration in daily tasks, illness and lazy behavior are some of the problems that are associated with poor sleep. To have a healthy mind and body, an interrupted sleep of seven hours is a must. A good sleep not only offers a sound mind and body but also helps in giving positive results in every task. People take medications and seek help from professionals to get a good sleep. However, if we cultivate some good habits, a good sleep can always be in our control. Following are the ten tips that can help you to provide a good-quality sleep every night.

Bedroom is a place to Sleep

Bedroom is the place to take rest and spend some comfortable time. Bedroom must have a good environment to get a sound sleep. It must be dark, clean and with proper ventilation facilities. Fresh air circulation and a temperature of 60-65 degrees provide the best conditions for a good sleep. Bed must be incorporated with right amount of blankets and soft pillows. You can also minimize noise and light during the sleep by using ear plugs and window blinds.

Avoid Food and Drinks Before Sleep

Do not eat food before going to bed. Digestion process starts as soon as you take some food. As the digestion process takes lot of energy, taking meal before sleep may keep you awake for a long time. Avoid taking fatty and spicy foods before going to bed as they interfere with sleep. However, some foods like bread and cereals can be taken before bedtime. These foods trigger the hormone serotonin that makes us feel sleepy. Caffeinated drinks and food such as tea, coffee, soda and chocolate must be avoided. Alcohol may help in falling asleep but it would make you to wake up during the night.

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2009-07-24T18:15:00.000-07:00

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Professor Knight comments "Students facing the challenge of changing career paths for a future in medicine undoubtedly benefit from a good support system. GradMed are, in the UK, the pioneers in this field".

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2009-07-24T18:14:00.000-07:00

International health insurance from William Russell

It’s a big world out there, with great opportunities. But if you’re an expatriate, or planning to be one, you should consider that relying on inadequate local medical facilities may cost you your health, whilst paying for private medical treatment may cost you your livelihood.
That's why you need to plan now for the uncertainty of illness or injury with an international health plan that will enable you to afford the best treatment available wherever you are.
Healthy choices for you and your family
Our Global Health portfolio offers two plan ranges with a wide-ranging choice of benefits, excess and payment options, enabling you to tailor your cover to suit your needs and budget - Global Health Elite for comprehensive world-wide cover and Global Health Essential for must-have, value-for-money cover.
World-wide travel cover
If you travel, relax, you're automatically covered for medical expenses and evacuation costs by your Global Health plan. If you take our Global Travel plan option, you'll also benefit from all the usual cancellation, baggage and other benefits you'd expect from an annual travel insurance plan.
And Personal Accident too
The optional Global Accident plan pays a substantial lump sum of up to $375,000 if you are involved in an accident which causes a serious permanent injury, disability or even death - all for a small monthly payment.

Global Health plan ranges

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2009-07-24T18:13:00.000-07:00

A truly global defence
With the global downturn biting hard, providing long term financial protection for you and your family has never been so important.
The financial packing list for expats is well known, including international private medical insurance, international pensions and offshore savings vehicles – but many expats could be overlooking specialist international protection products as a key part of their expat financial armoury to ensure their financial well being, especially in the current economic climate.
The cost of living all around the world is rising at an alarming rate. Could you and your family survive financially if you were unable to work due to long-term illness or if you died?
Fortunately, William Russell's Global Life and Global Income Protection plans are designed specifically for expatriates. Global Life will provide your family with a cash lump sum should you die, and Global Income Protection will provide a regular income if you are unable to work due to long-term illness.
Expats need protection products designed for international living if they are to provide effective financial security for themselves and their families. But beware, unlike William Russell's plans, most protection products are designed for domestic markets and much of their effectiveness is left behind when an expat passes the border control of their home nation.
Our Global plans provide full protection all around the world, international claims capability and 24/7 emergency assistance.
Make sure that you're well insured for whatever life may throw your way with the perfect insurance line-up from a world-class team.