Rideshare apps have been a blessing these past few years. Although they are a source of employment for a substantial number of people, the employees are not well protected when it comes to insurance. There are times when both their personal as well as corporate insurance leaves them vulnerable. This is where policies like the GEICO rideshare insurance take the win and protect the people. What is a rideshare policy? Rideshare insurance is a type of insurance provided to drivers that work for various livery companies. These help full-time as well as part-time employees with coverage where their personal insurance or the one provided by their employer falls short. Insurance companies provide either add-on or standalone options as rideshare insurance for individuals. Type of policy GEICO rideshare insurance is a hybrid insurance policy for dual coverage options for drivers. This is to say that the person can benefit from this insurance policy at all times. They will be offered coverage while driving around for work reasons, as well as when they are driving for personal reasons. What is covered? The GEICO rideshare insurance policy covers the driver named on the policy, the passenger (with injury limitations), the driver’s home members, and the damage incurred by the automobile.

GEICO is one of the leading insurance providers in the country and offers comprehensive coverage for automobiles. GEICO car liability insurance offers protection for personal injury and property damage when you are at fault. In addition to this, you can also take an umbrella policy to provide for several other unexpected costs. Here is a brief overview of various features of GEICO car liability insurance and other key benefits. Key highlights of GEICO car liability insurance For bodily injury GEICO liability car insurance coverage will pay for the treatment of injuries sustained by the other party involved in the accident. This will include medical bills, any prescriptions, lost wages due to inability to work after the accident, and reimbursement for any trauma that results in pain or suffering. Note that this claim differs from state to state and will affect the individual outcome of any lawsuit filed for bodily injuries. For vehicle damage GEICO liability auto insurance coverage mainly provides protection for liabilities that arise from damage to the other party’s property or vehicles. Essentially, the polices will pay for any damages sustained in the accident by the vehicle owner and of any surrounding property. Understand that this protection is not limited to owned vehicles.

GEICO is one of the leading insurance companies providing comprehensive car or auto insurance. Having an insurance essentially safeguards you against having to pay out-of-pocket for damages sustained to person, vehicle, or other property in the case of an accident. GEICO auto insurance allows you to pick from affordable, comprehensive coverages with personalized service. The following article talks about GEICO insurance’s collision coverage. GEICO collision coverage Collision coverage is a type of coverage that pays for the cost of the vehicle repairs caused due to collision with another vehicle or object. A collision coverage can be used whether the driver is at fault or not. One of the unique features about it is that it does not have a limit selected for the collision. The coverage pays based on the actual value of the vehicle, and the user is responsible for paying the deductible agreed upon earlier. What is a collision deductible? It is one of the most important aspects to agree upon before selecting an insurance policy. A collision deductible is essentially the amount that will be paid by you before the insurance company starts paying for the damage. Typically, a lower insurance coverage entails higher deductible costs and vice versa.

Breaking down the eligibility criteria for SSDI Social Security Disability Insurance is the government’s initiative to help people currently incapable of working owing to their health issues. This is extremely helpful for people who have suffered grave injuries or have been affected by a disability. This article lists out the steps to determine one’s eligibility to apply for Social Security Disability Insurance: One’s work status while applying for the insurance Social Security Disability Insurance provides partial income for people who are unable to fulfill their work requirements because of their disability, and both short- and long-term policies are available. According to the Social Security Administration, this insurance provides financial support to people who cannot earn enough, which means an individual who is capable of working and earning by themselves won’t be eligible to get these benefits. The severity of the condition According to the Social Security Administration, a condition is considered a disability if it interferes with and affects one’s ability to carry out work-related activities. So, if one’s current condition hampers their ability to continue the work they used to do earlier and they’re unable to reach a set income threshold, they are eligible for claiming this insurance. Recognition of a condition by the Social Security Administration Not all severe medical conditions are labeled as disabilities by the Social Security Administration (SSA).

A Medicare Advantage plan, usually referred to as Part C, offers alternative ways to receive Medicare benefits. These plans, typically known as HMOs and PPOs, are regulated by Medicare but are run by private insurance companies, AARP in this case. AARP Medicare Advantage plan offers benefits from Part A and Part B of original Medicare plans with extra benefits such as prescription drug coverage. If you are looking to purchase an AARP Medicare Advantage plan, here are some of its benefits you should know: Dental The AARP Medicare Advantage plan comes with dental benefits such as annual X-rays, cleanings, and physical X-rays. These come with $0 copay with in-network dentists, assuring highly effective treatment. Some plans also include coverage for other dental services such as crown, bridges, fillings, and certain types of root canals. OTC (over-the-counter) This benefit from an AARP Medicare Advantage plan helps save at least 50% on over-the-counter products and medications. Many of these plans offer quarterly or annual allowance with convenient ordering and home delivery of wellness and health products . Vision The advantages here include $0 copay annual eye checkups, eyewear allowance on contact or frames, and full coverage on lenses. With a vast network range, the plans also include designer-quality glasses at nominal or no costs.

Medicare is the need of the hour. But parts A and B do not necessarily cover all aspects of healthcare and they definitely do not pay all costs. This is the reason why you need to get a supplement plan, which is also known as Medigap. The AARP (American Association of Retired Persons) Medicare supplement plan is one such supplementary insurance that is backed by UnitedHealthcare. How does one enroll or apply to the AARP medicare supplement plan? The criteria to be eligible for an AARP Medigap is that you should be enrolled in both Medicare Parts A and B. To be accepted into the supplement plan, you apply for it during the six month period, where you are enrolled into part B of medicare and at least 65 years old. Though, in some states, there is no such limited time period. Now that you know the criteria for enrollment, let’s take a look at how you can choose the right plan for you. What you should know before choosing the right AARP Medicare supplement plan Before you dive into the depths of plans and what they have to offer, you need to note down your healthcare needs, your budget, and the benefits that you are looking for.

All kinds of insurance policies hold equivalent importance, and the most suitable one depends upon an individual’s needs. Over recent years, the one type of life insurance that a growing number of people are seriously considering is final expense life insurance. To put simply, this kind of insurance is designed and limited to covering funeral expenses and does not carry any other additional benefits. Unlike life insurance that financially protects the beneficiaries after the policyholder’s death, this insurance solely covers the cost incurred for the funeral and burial of the policyholder. In-depth understanding of final expense life insurance Funeral and burial expenses can add up to an exorbitant cost that can burden the near ones of the deceased. On average, the cost of a traditional funeral can range anywhere between $6,000 and $12,000, depending on the kind of arrangements made. Final expense life insurance reduces the financial stress that beneficiaries must undergo in times of grief, and such a type of policy helps to pay up for the expenses involved in the final rights of the policyholder. Final expense life insurance is offered by a wide number of insurance companies, and it is much more affordable than traditional life insurance.

Disability insurance is a type of insurance which covers for a person’s income when they suffer from a long-term illness or injury, making them unable to work. A recent survey by Social Security Administration revealed that around 25% of people in the country face the risk of becoming disabled and being unable to work before reaching their late 60s. This insurance does not only cover major accidents but it also covers serious health issues such as heart attack and in some cases, cancer. As it is with other types of health insurances, the younger and healthier the person is, the easy it is for them to qualify for disability insurance. The following article sheds light on the multiple factors to consider before buying disability insurance. Types of disability insurance Short-term and long-term disability insurance are the two main types of disability insurance. Both these types can replace a portion of a person’s monthly base salary but only up to a certain cap. Let us look at them individually: Short-term disability insurance It covers 60% to 70% of the base salary. The policy can pay out for a couple of months to a year, depending on the terms. Short-term disability insurance has a brief waiting period which can be two weeks after the person has become disabled.

Short term health insurance helps bridge the gaps in health care coverage. It is an economical alternative suitable for individuals who need temporary health care. Short term coverage can help protect you from unexpected and unforeseen medical expenses. With this policy, you get medical insurance that is both affordable and flexible, minus the commitment required for long term policies. Who can get short term coverage? Those who are between jobs Those who are awaiting for other coverage to begin Those who missed Open Enrollment Those whose access to other insurance plans is currently limited by financial hardship This insurance is provided by private companies, which means that the eligibility restrictions are far more relaxed and flexible. Do you meet any of the qualifications above? If so, check out Pivot Health’s budget friendly plans. You can apply and enroll in under 5 minutes! Check Eligibility Key highlights of Pivot Health’s short term plan Flexible plans that cater to your health care needs Online application can be done in a matter of minutes with instant approval Choose where you receive health care; there are no hospital network or doctor restrictions Cover for short term insurance can start in under 24 hours In addition to the basic coverage, Pivot Health also offers its members several non-insurance benefits that help cover everyday costs.

Shopping for the right insurance plan isn’t a hassle anymore. You can get the quotes online, compare them, and when you are ready, advance to sealing the deal online or ask the company’s agent to complete the process. Although there are multiple tools available to find a competent insurance provider, there are many instances when users are left confused owing to the unfamiliar terms and jargon used by the companies. In such cases, opting for a trusted insurance provider like Esurance can help you in your quest to find the perfect insurance policy. Types of insurance offered Esurance’s primary insurance products are car and homeowners insurance, but they also offer many other coverages, such as Motorcycle, Renters, Condo, Life, Commercial auto, Health, Mexican auto, Umbrella, Business, Pet, Classic vehicle, ATV, Flood, Boat/personal watercraft, RV, Travel trailer, Snowmobile, Golf care, Segway, Scooter, and Travel insurance.  Optional coverage available In addition to the instant car insurance quotes you receive, Esurance also offers optional coverage options that include: CarMatch rental coverage:  If you opt for this coverage option, it pays for the full cost of a rental comparable to your car, in case it is stolen or being repaired after an accident. This is applicable for up to 45 days or $3,000.

If you own a car today, insurance is the one thing that you cannot afford to be lazy about. Acting as a safety net, it provides the much-needed financial protection from any repair costs that your vehicle will endure at the time of an accident or otherwise. While it may seem like an expensive investment, this is a rule that every car owner must abide by when they purchase their vehicle. Having said that, it is also important to understand that all car insurances do not cost the same. The prices vary depending on various factors, and these factors are measured differently by all companies. Some of these factors include the regulations laid down by the local state and area you live in, your gender, age, the driving history, and the things you need included in your coverage. After considering these pointers, your insurance company will be able to give you a price plan suited for your needs. According to media reports, the average cost for car insurance between 2017 and 2019 was around $1,566 per year. As these prices are different, some examples of average cost in each state also varied, for example in California a driver may have to pay between $987 and $1815, while a driver in New York may have to pay between $1352 and $2752 per year.