family outside in sunshine on a park bench with smiling baby

Why Young People Need Disability Insurance

When we’re young, we don’t always think about what could happen in the future. The truth is, debilitating accidents, illnesses, and injuries can happen to anyone, at any time, and any age. So no matter how young you are, it’s important to have a long-term disability insurance plan in place that can help protect your savings if something should happen to you.

Plan for the unexpected.

According to a 2017 Disability and Health Journal report, a long-term disability diagnosis can increase cost-of-living expenses by almost $7,000 a year. If you were suddenly no longer able to work, how would you manage to support yourself? Would your family be able to maintain its current way of life? Could your savings survive the average disability length of 31 months?

If a paycheck is your main source of income, you’ll most likely need long-term disability coverage to meet these needs. Even if your employer already has long-term disability coverage in place for you, it may not be enough. Employer-based plans sometimes only cover a fraction of your salary and may not factor in any bonuses that you (or your family) rely on.

What is long-term disability insurance?

Long-term disability insurance coverage is designed to help you and your loved ones withstand the financial changes that a disability can bring. If you become disabled and are no longer able to continue working, your coverage will kick in and help pay everything from medical copays to everyday expenses such as your mortgage or credit card bills.

Hopefully, you will never have to reap the benefits of a long-term disability plan. But if you do, you’ll be glad you have coverage ready when you need it. Your life can change forever in the blink of an eye – and being prepared can make all the difference in the world.

As a valuable benefit of your membership, the AMSA Health Insurance Marketplace offers affordable long-term disability insurance coverage to members of the AMSA.

To learn more, visit https://amsa.memberbenefits.com/long-term-disability/ or contact us at 1-800-282-8626 with any questions you may have. Our benefits counselors are available to help guide you to a plan best suitable for your unique needs.

young male with beard professional in an office wearing glasses working and focusing on laptop

Blue Blocker Lenses: Are They Worth The Hype?

As our bodies continue to age, it is understandable that we begin to experience more changes. And whether we like it or not, doctors and other medical specialists are here to help us make sure that our bodies are operating at the very best levels that they can and when they are not, doctors are the people we visit to find out why.

For example, declining eyesight is one of the most common and most easily diagnosable issues our bodies may encounter throughout our lives. Worsening eyesight is often associated with getting older and while there are a variety of reasons and levels of severity, ultimately poor eyesight is typically very treatable except in certain circumstances.

As a general rule of thumb, it is suggested that you should visit the eye doctor once every one to two years. Even if you don’t feel your eyesight has changed, an optometrist will be able to know for sure and make any adjustments to your eye prescription as necessary.

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mother and child practicing good dental hygiene in bathroom

The Cost Of Not Having Dental Insurance

If you and your family have been skipping trips to the dentist, you’re not alone. “For every adult without health insurance, an estimated three lack dental insurance” this comes according to a quote issued by the Kaiser Family Foundation based off of research conducted by the National Association of Dental Plans.

A Key Component Of Overall Health and Hygiene

But what so few realize is the close relationship between one’s oral health and their overall health. A person’s mouth is a haven for potentially harmful bacteria, regular flossing, brushing, and cleanings can keep the bacteria at bay but when a person is neglecting their teeth, the bacteria can build and lead to infections, tooth decay, and gum disease. From there, it is possible for the bacteria to enter the bloodstream and travel to other parts of the body leading to other serious problems.

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5 Things to Consider When Buying Dental Insurance

Whether you’re currently without dental insurance or are simply shopping around for a new policy, the fact remains that the process of searching for your ideal policy can be quite tedious and time-consuming. After all, dental insurance is a lot different than a traditional health insurance plan in the sense that it’s less open-ended and provides coverage for very specific preventative care.

As you shop for a dental health plan, here are a few of the most important considerations to keep in mind.

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