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HEALTHCARE
Women's Health Care Issues
A new national survey of women on their health finds that a substantial percentage of women cannot afford to go to the doctor or get prescriptions filled.
Primary Health Care Reform and Women
A few lessons we can learn from our neighbor (Canada) on health care reform for women. Given that women are both the majority of the users of the health care system and the majority of health care providers, how can reforms be made to work for all women — no matter where they live, what their income levels, education, language or health issue, sexual orientation or level of physical disability?
LONG-TERM CARE
There are special issues women should consider in choosing long-term care insurance:Most people are convinced that they will not need long-term care. Yet many people will need some form of long-term care sometime during their lifetime.
Long Term Care Insurance: Is It for You?
Avoiding Fraud When Buying Long-Term Care Insurance:
A Guide For Consumers And Their Families
DISABILITY
Disability insurance can be more important than life insurance.
Who wants to think about being disabled and unable to work? We're all healthy and flying along just fine.
About Disability Insurance
Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation.
LIFE
How much life insurance you need depends on how many children you have.
Who wants to think about life insurance? It's morbid. It's hard to understand.
The paperwork is tedious. And it can be expensive to boot. But if you have children or other dependents, life insurance should be a priority.
Why should a woman buy life insurance?
To protect his family, replace lost income if he dies, provide for his own retirement security, and a number of other reasons. Life insurance pays off mortgages, funds college educations if the income earner can't be there, and guarantees that the spouse won't have to sell the home or otherwise suffer a severe drop in standard of living. The decision to purchase insurance reflects a loving commitment to family and a recognition of the need to meet other financial responsibilities.
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Women make 68% more out of pocket costs for health insurance than men do. Women are also less likely to obtain life insurance. Women's auto insurance can be less.
ADDITIONAL ARTICLES
Insurance Inequities for Women and Men
NARAL Foundation, Insurance Inequities: A State by State Review of Contraceptive Coverage, February 1999.
Mistakes People Make Buying Insurance
A catastrophic loss can scuttle any financial plan, and bring your savings to its knees. You need insurance to protect yourself against medical costs, sudden loss of life, and loss of property or earning power.
Travel Insurance
As you make all the careful plans for this summer's vacation, don't forget about insurance. Making sure your vacation is properly insured can mean the difference between incredible memories and the trip you'd like to forget.
Women's health insurance bill under fire
Business groups and the health insurance industry are united against two versions of women's health coverage bills passed in the state Senate and Assembly in the first weeks of this session.
Examining the Insurance Status of Widowed or Divorced Older Women
This report found that while the majority of widowed or divorced older women aged 55 to 64 have health insurance, those who are uninsured may have difficulty finding quality, affordable health care coverage. In this age group, 16.2% of women have no form of health insurance, compared to 12.8% of men. Widowed or divorced older women with low incomes, those who are unemployed, and minority women are most likely to face problems gaining access to the health insurance market.
Paying the price for infertility
In the past few years, states have increasingly adopted laws requiring insurance companies to cover such health issues as mental illness, prostate exams, and even contraception. Historically, however, states have been reticent to enact legislation requiring the coverage of infertility - a condition that affects about 6 million American men and women. It's been nearly a decade since any state has enacted legislation requiring coverage of infertility.
AUTO
9 Ways to Lower Your Auto Insurance Costs:
Insurance Information Institute
You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverages you request and the kind of car you drive. Listed below are a number of things you can do right now to lower your insurance costs.
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