Homeowners Insurance's (homeownersinsurancenaperville) Blog

When purchasing homeowners insurance there are many variables.  Make sure you are getting a special cause of loss form.  That is all you need to know about "cause of loss forms".  Make sure it is a special form.  Property Special Cause of Loss Form.  That is a "Named Exclusion Policy".  Next item...

HSA (Health Savings Account) is the IRS HDHP (High Ded Health Plan) The Tax Break The HSA benefits anyone who currently pays taxes The Individual gets an above-the-line tax deduction for amounts contributed, up to certain limits (taxpayer does not have to itemize expenses to claim this deduction...

Health Savings Account Facts: Contributions, Eligibility, and Narrative of Blue Cross Plan Contributions How much can you contribute to an HSA? The maximum annual HSA contributions for 2007 are: Self-only coverage: $2,850 Family coverage: $5,650 The maximum annual contribution is an aggregate ma...

Medical State Continuation Letter (LIKE COBRA LETTER) IF EMPLOYER IS SUBJECT TO STATE CONTINUATION   Here is the letter that must be sent to the employee in question.   Date     Xyz employee 123 Market Street Anytown USA 50544   RE:   Continuation of Health Insurance Benefits   Dear Employee:   ...

HSA IRS Program = High Deductible Health Plan (HDHP) The only constant in life is change.  We are seeing that in the medical insurance industry more than ever due to rising costs of health care.  One factor is that insurance is cyclical to the degree that our industry re packages old products wi...

How To Insure Employees Who Are Working Overseas - Expatiriates Why insure an international group? Healthcare cost savings versus a self insured U.S. plan: •1.      Overcharging/fraud are minimized - overseas providers tend to overcharge for services where they encounter a U.S. plan.  It is impo...

Insure Rental Property / Insure Investment Property RENTAL PROPERTY / INVESTMENT PROPERTY When someone has residential property that is rented to others it is usually placed on a DP-3 form.  This form is a special named exclusion policy, however 90% of all DP-3 policies EXCLUDE personal property...

Benefits Consulting Provided By Jack T. Mann Benefits Consulting Health Benefits Consulting Services Jack T. Mann offers a full range of consulting services for health plan sponsors, including: •  Health Plan Design Jack T. Mann's health consultants have extensive experience in the design and re...

High Deductible Health Plan (IRS HDHP Section 502 Narrative in LAYMANS TERMS) The only constant in life is change.  We are seeing that in the medical insurance industry more than ever due to rising costs of health care.  One factor is that insurance is cyclical to the degree that our industry re...

Investment Property Insurance Is it investment property to give a positive cash flow?  IF SO then you must put a policy that has the same named insured as the property is titled to.  Further, if it is personally titled, then you may add up to 4 rental properties with many insurers.  I have acces...