Personify Health launches updated wellbeing platform experience with 2 new capabilities
đź“° Curated Industry Article This is a summary of a full article from a trusted healthcare and insurance publication. Click “Read Full Article” below to read the complete story. The updated platform experience features two new capabilities: adherence and digital navigation. Read Full Article on Source → đź’ˇ What This Means For You [armfox_dynamic_insight] ARMFOX […]
Analysts view Cortina and similar structures as a negative for reinsurers amid market softening
đź“° Curated Industry Article This is a summary of a full article from a trusted healthcare and insurance publication. Click “Read Full Article” below to read the complete story. A report from Evercore ISI on the recently announced Aon and Blackstone reinsurance facility at Lloyd’s, Cortina, emphasises that while this type of structure has the […]
Ivans: US Commercial Premium Renewal Rate Increases Slowed in October
đź“° Curated Industry Article This is a summary of a full article from a trusted healthcare and insurance publication. Click “Read Full Article” below to read the complete story. Year over year, average U.S. commercial premium renewals for all major commercial lines of business are up except for workers’ compensation, according to the Ivans Index. […]
How does long-term disability insurance work if I get sick?
Direct answer Long-term disability insurance typically pays a percentage of your salary if a documented illness prevents you from performing the material duties of your occupation, though it depends on your specific policy’s definition of disability. Benefits usually begin after an elimination period, which is a pre-determined waiting period ranging from 90 to 180 days. […]
Does short-term disability insurance cover pregnancy?
Direct answer Yes, many short-term disability policies cover pregnancy as a temporary medical condition, but it depends on whether the policy was purchased before you became pregnant, as pre-existing conditions are often excluded. Policy coverage definitions are informed by standard disability insurance contract provisions and typical exclusionary clauses. For additional information about standard policy provisions, […]
Does pet insurance cover routine vaccinations and wellness exams?
Direct answer Standard accident and illness policies typically do not cover routine wellness exams or vaccinations, though some providers offer optional ‘wellness riders’ for an additional monthly fee. Whether this is worth it depends on whether the cumulative cost of the rider is less than the out-of-pocket costs of your vet’s preventative care packages. Standardized […]
Does supplemental insurance cover costs that my primary health plan excludes?
Direct answer Yes, supplemental plans like hospital indemnity or critical illness insurance provide cash benefits to help offset expenses such as co-pays, deductibles, and non-covered treatment costs. Industry standards regarding the coordination of benefits between primary and supplemental insurance policies. For additional information about how coordination of benefits works, see the National Association of Insurance […]
How much does long-term disability insurance cost per month?
Direct answer It typically costs between 1% and 3% of your annual income, though the exact premium depends on your age, occupation, health status, and the specific coverage limits you select. Average premium data is based on industry-standard actuarial rating tables used by major insurance underwriters. For additional information about the regulatory standards and actuarial […]
Is pet insurance worth it for older dogs?
Direct answer It depends on your financial ability to handle sudden, large vet bills, as premiums for older pets are significantly higher and often exclude pre-existing conditions. If your dog has a history of chronic health issues, the premiums may outweigh the benefits compared to self-insuring through a dedicated savings fund. Comparative actuarial analysis of […]
Medicare for All or just for kids?
đź“° Curated Industry Article This is a summary of a full article from a trusted healthcare and insurance publication. Click “Read Full Article” below to read the complete story. “Medicare for All” had dominated campaigns and media coverage leading up to the 2026 midterm elections, but a spin on it is also emerging as part […]