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While the majority of employee benefit plans come with some type of medical insurance, many don’t include dental or vision, leaving people scrambling for coverage when they need it the most. If you can’t get dental or vision coverage through your employer or you’re self-employed, we know that it can be tempting to simply skip your annual vision check-up, dental cleaning, or avoid going to the dentist when you have a toothache. This is a bad idea, as skipping annual checkups can lead to poor long-term dental or vision health, which can end up leading to costly procedures in the future. Here at Winters Insurance Group, we offer both insurance for vision and dental insurance in Quincy, IL .
Long-term care insurance is essential to ensuring you and your continued stability in the event on a life-changing health event, like a cardiovascular event or loss of memory. As explained by AARP , different types of long-term care insurance resident policies may cover different services, and you need to understand their key differences to make sure you have the right policy for your long-term care needs.
Have you ever though of how you would support yourself in the event of an injury? With the average worker having an almost one in four chance of being disabled before 67, the topic of disability is worthy of discussion. For example: Let's say a person who makes $50 grand a year loses ten years of work due to an injury. Ten years of work lost roughly equals out to half a million dollars (which doesn't include money spent on medical expenses). So considering the financial effects of an injury or illness, setting yourself up with disability insurance is the best way to prevent your world from turning upside down after an unforeseen circumstance. Here's a look at some of the disability insurance plans that could apply to you.