Bedel Blog

The benefits discussed in this article are important but not an all-encompassing list of the employee benefit options that could be available. Take time to understand available options and determine how they can benefit your situation each year.

If you are already married and both working, you may have compared health insurance plans from both employers to see if joining the same plan makes sense. With a baby now in the picture, it is a good time to review and make sure you are on the best family insurance plan available.

Is one better than the other? Which one is right for you and your family? This is a highly individualized decision. The right solution for one person might not be ideal for someone else. What are the differences between COBRA and Marketplace health insurance?

Many times, umbrella coverage is overlooked. Unlike homeowner, auto, and health insurance, umbrella policies are not required by law. However, this does not make umbrella liability coverage any less important. The best part is that umbrella coverage is cost-effective and relatively inexpensive!

It doesn’t make sense to purchase life insurance with the intent to borrow against it. However, suppose you have a permanent policy with a sizable cash value.

Individuals with personal or group coverage (not Medicare) may have access to healthcare savings accounts that can be used independently or even paired together to maximize tax benefits.

In general, insurance companies want to maintain their current book of business. They try to entice customers to stay by offering loyalty discounts. While one might assume that a loyalty discount equals reducing premiums, it could not. Loyalty discounts come in a variety of forms, depending on your insurer.

The objective of anyone serving as a board member is to make the best decisions for that organization with the information that is provided. But what if someone says your decisions were harmful and they take you to court?

Boat, jet ski, and Wave Runner owners typically know they need additional insurance coverage, but they should also understand the terms of their policy.

Our pets are family. It's best to be prepared to get them the best care should they become ill or seriously injured. Pet insurance is a great way to do so without breaking the bank.

Determining life insurance needs with the help of a professional is a good option. Remember that level term life insurance is generally the appropriate type of coverage for most people. If you think you need additional insurance coverage – act fast!

Anyone with a pet knows that veterinary care can be costly, especially when faced with a more serious illness. Enter pet insurance – providing pet owners with the means to provide care for their furry friends in the event of illness. We’ve outlined the basics of pet insurance, along with things to consider when deciding if it’s a good purchase for you and your pet.

When it comes to your financial future, trial and error can be expensive. Your best bet is to seek out a financial planner who can answer your questions and help you think about the questions you don’t know to ask.

Long-term care reduction options can prove costly. Why are premiums increasing? What does each benefit option mean?

Evaluating the reasons behind a desire to purchase life insurance on a child can be helpful with the question "does it make sense?" If you are protecting against future un-insurability, it's hard to argue an alternative solution.

Disability insurance can be a confusing topic – how much coverage, which definition of disability, elimination period…But with each working adult having a 30% chance of being disabled during his/her career, it’s crucial to understand disability insurance and how it can help you make ends meet if you become disabled.

Making the correct financial decisions in your 40s can have important ramifications on the success of your long-term and retirement plans.

If a visitor falls at your home or an accident occurs with your car resulting in serious damages, will your insurance cover all the costs? It depends. Your homeowner and auto policies provide for liability coverage.

When contemplating a pregnancy or an adoption, be sure to understand your employment benefits. Parental leave policies and insurance benefits can cover associated costs as well as provide income while you are away from work.

If you are 65 years old, you have a 70% chance of needing long-term care. Can you afford $90,000 per year? If not, you may want to include LTC insurance in your financial plan. Or, you can take the chance of being in the lucky 30%!

Whether it's a classic or antique car, it's more than just a vehicle to you - it's likely your prized possession. Do you know what if your prize is properly insured? We break down the types and features of specialty car insurance.

Everyone from Indiana knows that the season between fall and spring isn’t winter…It’s Pothole Season! And with it comes the potential for damage to your car. If you’ve found yourself unable to dodge the craters during your daily commute, what can be done? Insurance might cover the pothole damage to your car, but it could come at a cost. We’ve outlined what you need to know if you’ve fallen prey to the dreaded pothole!

If your bank or brokerage firm failed, do you know what would happen to your money and investments? Thankfully, FDIC and SIPC insurance is there to protect you and your savings, but only up to a specified amount. Find out just how much you’re covered!

You lose something of value and your first question is “is it covered?” Insurance polices provide a limited amount for such losses, but generally not enough to cover expensive items. To be fully reimbursed, what do you do?

If you are a boating enthusiast, it is important for you to understand whether your insurance coverage is sufficient. What if you wipe out a pier at the marina? Or, someone gets injured while onboard? Will you be covered…or not?

Have you ever considered purchasing travel insurance but weren’t sure how to begin – or whether it would even be worth having? Fear not! ...

Life is full of “what-ifs”! What if your neighbor’s dying tree crashes through your roof; your newly remodeled basement floods; ...

If you have ever considered the purchase of a long-term care insurance policy, you may want to get serious. Fewer providers, increasing premium rates, and reduced benefits are changing the landscape.