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Navigating Out-of-Network Emergency Care Reimbursement: A Guide for Patients Medical emergencies are stressful and unpredictable
In the midst of a crisis, the last thing on your mind is whether the hospital or treating physicians are “in-network” with your insurance plan. Fortunately, federal and state laws provide important protections for patients who require emergency care. However, understanding how reimbursement works for out-of-network emergency services is crucial to avoid unexpected and burdensome medical bills.
The Federal Protection:
The No Surprises Act
A landmark piece of legislation, the No Surprises Act (NSA), went into effect in 2022, providing robust federal protections against surprise medical bills, especially in emergency situations.
Key Protections for Emergency Care:
* You cannot be balance billed. If you receive emergency care at an out-of-network facility or from an out-of-network provider at an in-network facility, the NSA generally prohibits providers from sending you a “balance bill” for the difference between their charged amount and what your insurance pays.
* Cost-sharing is limited. Your health plan must cover out-of-network emergency services as if they were in-network. Your deductible, copayments, and coinsurance cannot be higher than they would be for in-network care.
* Prior authorization is not required. Insurance companies cannot require prior approval for emergency services to be covered.
How the Reimbursement Process Works
Under the NSA, the process for settling payment for out-of-network emergency care is designed to keep the patient out of the middle of payment disputes.
You get necessary emergency treatment at the nearest appropriate facility, regardless of its network status.
The hospital or doctor submits a claim to your insurance company.
Your insurer processes the claim, applying your in-network cost-sharing (deductible, coinsurance). They then determine an additional payment to the provider based on a recognized amount (often tied to the Qualifying Payment Amount, or QPA, which is a median in-network rate).
If the provider believes the insurer’s payment is too low, they cannot bill you. Instead, they can enter a 30-day “open negotiation” period with the insurer. If unresolved, either party can initiate the IDR process—a “baseball-style” arbitration where a neutral third party decides the final payment amount based on several factors. The patient is not involved in this process and is liable only for their in-network cost-sharing.
What Patients Need to Do:
Proactive Steps
While the law provides strong protections, being proactive can help ensure a smooth reimbursement process and prevent errors.
* Pay Only Your In-Network Cost-Share: Review your Explanation of Benefits (EOB) from your insurer carefully. You should only be responsible for your standard in-network deductible, copay, or coinsurance for the emergency services. Do not pay any bill from the provider that charges beyond this amount without first contacting both the provider and your insurer.
* Document Everything: Keep detailed records of dates of service, provider names, facility information, and all correspondence and bills.
* Understand “Post-Stabilization” Care: Protections are strongest for emergency care to stabilize a patient. Once you are stabilized, if you continue to receive care at an out-of-network facility, different rules may apply. You should be given notice and consent to transfer to an in-network facility if possible.
* Know Your State Laws: Some states have surprise billing laws that may offer additional protections beyond the federal NSA. Check with your state’s department of insurance.
When to Seek Help
If you receive a balance bill for out-of-network emergency care, or if your insurance company denies a claim for such services:
Contact your health plan’s customer service and file a formal appeal, citing the No Surprises Act.
Inform them that balance billing for emergency services is prohibited under federal law.
If the issue is not resolved, you can file a complaint with:
* The Centers for Medicare & Medicaid Services (CMS) at [cms.gov/nosurprises](https://www.cms.gov/nosurprises).
* Your state’s Department of Insurance or Attorney General’s office.
Conclusion
The financial fear of receiving emergency care should not compound the stress of a medical crisis. The No Surprises Act provides a critical safety net, ensuring that patients are only responsible for in-network cost-sharing for emergency treatment, regardless of where that care is received. By understanding these protections and knowing your rights, you can confidently seek the emergency care you need and navigate the reimbursement process effectively, shielding yourself from unfair and unexpected medical debt. Always review your bills and EOBs meticulously and do not hesitate to advocate for yourself if you receive an improper bill.
Joint Life Insurance Policies: A Comprehensive Guide to Pros and Cons
Introduction
In the realm of financial planning for couples, joint life insurance policies present a unique option that warrants careful consideration. Unlike individual policies that cover one person, joint life insurance is a single contract that covers two people—typically spouses or domestic partners. As with any financial product, it comes with distinct advantages and potential drawbacks. This article explores the key pros and cons to help you determine whether a joint policy aligns with your financial goals and family needs.
What is a Joint Life Insurance Policy?
A joint life insurance policy is a contract that insures two individuals under one plan. There are two primary types:
Pays out the death benefit upon the death of the first insured person. The policy then terminates, leaving the surviving partner without coverage unless they purchase a new policy.
Pays out the death benefit only after both insured individuals have passed away. This type is often used for estate planning purposes.
The Pros of Joint Life Insurance Policies
1. Cost Efficiency
Generally, a joint policy is more affordable than purchasing two separate individual policies with equivalent coverage. The premium is often lower because the insurer is covering two lives under one administrative structure, reducing overhead costs.
2. Simplified Management
Managing one policy with one premium payment and one renewal date is simpler than handling two separate policies. This consolidation can reduce paperwork and make it easier to keep track of your coverage.
3. Ideal for Specific Financial Goals
Excellent for couples with shared debts (like a mortgage) or dependent children. The payout upon the first death can provide immediate financial support to cover expenses, replace lost income, or fund future obligations.
Particularly valuable for estate planning. The benefit, paid after both spouses pass, can help heirs pay estate taxes, settle final expenses, or fund a trust without needing to liquidate other assets.
4. Easier Underwriting for Second-to-Die Policies
Survivorship policies often have more lenient underwriting. If one partner has health issues that might make individual coverage expensive or unattainable, a second-to-die policy might still be issued at a standard rate since the payout is deferred.
5. Potential for Stronger Insurability
For couples where one partner might not qualify for an individual policy due to health reasons, a first-to-die joint policy might still be obtainable depending on the insurer’s criteria and the healthier partner’s status.
The Cons of Joint Life Insurance Policies
1. Single Payout Limitation
A joint policy pays only once. In a first-to-die policy, the survivor is left without life insurance and may find it difficult or expensive to obtain a new policy at an older age, possibly with declined health. This leaves a potential coverage gap for the surviving partner’s final expenses or financial needs.
2. Less Flexibility
The two insured individuals are tied to the same policy terms, death benefit, and insurer. Their needs may change or diverge over time (e.g., divorce, different financial obligations), but the joint policy cannot be easily split. Divorce can complicate ownership and beneficiary arrangements significantly.
3. Potential for Higher Long-Term Cost (First-to-Die)
While initially cheaper, if the first death occurs early, the policy terminates. The survivor then must purchase a new individual policy at an older age, likely at a much higher premium. Over a lifetime, this could end up costing more than two level-premium individual policies purchased earlier.
4. Complexity in Unmarried or Business Relationships
Joint policies are designed with spouses in mind. For unmarried couples or business partners, issues around ownership, beneficiary designation, and tax implications can become legally complex.
5. Estate Planning Limitations for First-to-Die Policies
A first-to-die policy does not help with the estate tax liability that arises upon the death of the second spouse, which is often the larger concern for high-net-worth families.
Key Considerations Before Choosing a Joint Policy
Is it income replacement upon the first death, or wealth transfer after both pass?
Run long-term projections comparing a joint policy versus two individual term policies.
How important is it for the surviving partner to have their own coverage later in life?
Understand the conversion options (if any) after a first death and the implications of divorce or separation.
Speak with a fee-only financial advisor and an estate planning attorney to understand how a joint policy fits into your overall plan.
Conclusion
Joint life insurance policies offer a streamlined and often cost-effective solution for couples with intertwined financial destinies. They shine in scenarios like covering a shared mortgage or facilitating estate planning. However, the single-payout structure and potential lack of flexibility pose significant risks, particularly for the surviving partner’s future security.
The decision ultimately hinges on your specific family dynamics, financial objectives, and long-term planning. For many couples, a combination of individual policies (to ensure both partners have independent coverage) and a joint second-to-die policy (for estate planning) might provide the most balanced and secure approach. As with any significant financial commitment, thorough analysis and professional guidance are indispensable steps in making the right choice for your shared future.
Swimming Pool Liability Coverage Requirements: A Comprehensive Guide for Homeowners Swimming pools are synonymous with summer fun, relaxation, and family gatherings
However, they also represent a significant liability risk. As a pool owner, understanding and securing adequate liability coverage is not just a prudent financial decision—it’s a critical responsibility. This article outlines the essential liability coverage requirements and considerations for residential swimming pool owners.
Understanding the Core Risk:
Premises Liability
At its heart, pool ownership falls under premises liability. This legal concept holds property owners responsible for injuries that occur on their property due to unsafe conditions. A swimming pool is considered an “attractive nuisance”—a feature that may attract children who are unable to understand the associated dangers. This doctrine imposes a higher duty of care on the owner to secure the pool and prevent unauthorized access.
A single drowning or serious slip-and-fall accident can lead to devastating medical bills, long-term care costs, and potentially millions in legal judgments for pain, suffering, and wrongful death.
The Foundation:
Homeowners Insurance Liability Coverage
Your standard homeowners insurance policy is the first line of defense. It typically includes two relevant components:
This covers bodily injury or property damage for which you are legally liable, up to your policy’s limit. If a guest is injured in your pool and you are found negligent, this coverage would pay for their medical expenses and your legal defense costs.
This no-fault coverage pays for minor medical expenses (e.g., ambulance ride, ER visit) for someone injured on your property, regardless of who was at fault. It helps address small claims quickly without a lawsuit.
Standard limits are often 0,000 to 0,000, but for pool owners, these are frequently insufficient.
Key Coverage Requirements and Recommendations
1. Dramatically Increase Your Liability Limit
Experts universally recommend that pool owners carry a minimum of 0,000 in personal liability coverage. Given the potential severity of pool-related incidents, million is the strongly advised benchmark. This can often be achieved by adding a “liability umbrella policy.”
2. Purchase an Umbrella Insurance Policy
An umbrella policy is the most important investment a pool owner can make. It provides excess liability coverage that kicks in after your underlying homeowners policy limits are exhausted.
* How it works: If you have a 0,000 homeowners liability limit and a million umbrella, you effectively have .3 million in total coverage.
* Cost-Effective: For the extensive protection it offers, umbrella insurance is relatively inexpensive, often costing 0-0 per year for the first million in coverage.
* Broader Protection: It also covers liability claims beyond your home, such as auto accidents or defamation lawsuits.
3. Ensure Proper Pool Disclosure and Safety Measures
Your insurance company will require, and may even inspect for, specific safety features. Failure to comply can lead to a denied claim or policy cancellation. Universal requirements include:
* A Secure Barrier: A four-sided fence, typically at least 4 feet high, with self-closing and self-latching gates that open outward. Many jurisdictions have specific codes (often aligned with the International Residential Code).
* Pool Covers: A safety-rated motorized or lockable manual cover.
* Alarms: Door alarms from the house to the pool area, pool gate alarms, or subsurface wave-sensing alarms.
* Clear Rules: Posted safety rules (e.g., “No diving,” “No swimming alone”).
* Compliance: Adherence to all local building codes and zoning laws for pools.
4. Consider Specialized Coverage Endorsements
Discuss these specific add-ons with your agent:
* Increased Medical Payments (MedPay): Raise this limit to ,000 or ,000.
* “Animal Liability” Exclusion Check: Ensure your policy does not exclude injuries caused by pets, as a dog could contribute to a poolside accident.
* Diving Board/Slide Coverage: These features significantly increase risk. Some insurers may require an additional rider or even exclude coverage if they are present. Always declare them.
Steps to Secure Your Coverage
Inform them you are installing a pool or reviewing coverage for an existing pool. Do this *before* installation.
Ask specifically about your current liability limits, umbrella policy options, and any pool-related safety requirements or exclusions.
Shop around if necessary. Most insurers prefer to bundle your homeowners and umbrella policies.
Take photos of your fence, gates, covers, and alarms for your records and to provide to your insurer.
Create a written set of pool rules, consider requiring adult supervision waivers for guest children, and never allow swimming alone.
Conclusion:
Safety and Coverage Go Hand-in-Hand
Liability coverage for your swimming pool is a two-part strategy: robust financial protection through ample insurance limits, and proactive risk reduction through unwavering safety measures. View your insurance not as a mere bill, but as a foundational component of responsible pool ownership. By carrying a minimum of million in total liability coverage (via homeowners and an umbrella policy) and meticulously maintaining a secure pool environment, you protect your family, your guests, and your financial future, allowing everyone to enjoy the water with greater peace of mind.
*Disclaimer:* *This article is for informational purposes only and does not constitute legal or insurance advice. Insurance policy terms and conditions vary by carrier and state. Always consult with a licensed insurance professional to review your specific needs and circumstances.*
Accelerated Death Benefit Rider Qualifications: A Guide to Understanding Eligibility
Introduction
In the realm of life insurance, policyholders often seek ways to enhance their coverage to meet specific needs. One such powerful provision is the Accelerated Death Benefit (ADB) rider. This optional add-on allows a portion of the death benefit to be paid out *while the insured is still alive* under qualifying circumstances, typically a severe, chronic, or terminal illness. Understanding the qualifications for this benefit is crucial for policyholders and their families, as it can provide vital financial resources during a profoundly challenging time.
What is an Accelerated Death Benefit Rider?
An Accelerated Death Benefit (ADB) is a rider—an amendment or addition to a standard life insurance policy—that permits early access to a percentage of the policy’s death benefit. The funds received can be used for any purpose, such as covering medical expenses, experimental treatments, in-home care, or fulfilling final wishes. It is not a separate insurance product but a feature attached to many term, whole, or universal life policies, sometimes even included at no extra cost.
Core Qualification Criteria
While specific terms vary by insurer and policy, ADB riders generally have three primary qualification pathways. Meeting any one of these conditions typically triggers eligibility.
1. Terminal Illness Qualification
This is the most common qualification. The insured must be diagnosed with a terminal illness with a certified life expectancy of 12 or 24 months or less, as specified in the policy contract. The diagnosis and prognosis must be provided by a licensed physician.
2. Chronic Illness Qualification
This qualification applies if the insured becomes chronically ill, meaning they are unable to perform a certain number of Activities of Daily Living (ADLs) without substantial assistance. Common ADLs include:
* Bathing
* Dressing
* Eating
* Toileting
* Continence
* Transferring (e.g., moving from bed to chair)
A certification from a healthcare professional is required, and the condition is usually expected to be permanent.
3. Specified Critical, Catastrophic, or Severe Illness Qualification
Some riders allow acceleration upon diagnosis of specific severe medical conditions, such as:
* Major organ transplant
* End-stage renal failure
* Permanent and severe cognitive impairment (e.g., advanced dementia)
* Heart attack, stroke, or invasive cancer
The policy will explicitly list the covered conditions.
Key Factors and Common Requirements
Beyond the core medical criteria, several other factors influence eligibility:
* Policy Type and In-Force Status: The underlying life insurance policy must be active (in-force) with all premiums paid. Not all policies include an ADB rider; it must have been selected at purchase or added later if the insurer permits.
* Waiting Period: Most policies impose a waiting period (e.g., two years) from the policy’s effective date before the ADB can be activated.
* Minimum and Maximum Benefit Amounts: Insurers set a minimum face value for policies eligible for the rider. The accelerated amount itself is typically a percentage (e.g., 25% to 100%) of the death benefit, up to a specified dollar maximum.
* Physician Certification: All qualifications require formal written certification from one or more licensed physicians, attesting to the diagnosis and prognosis.
* Survival Period: Some policies include a clause requiring the insured to survive for a short period (e.g., 14-30 days) after filing the claim to receive the funds.
Important Considerations and Implications
* Impact on Death Benefit: The accelerated payout, plus any applicable fees or discount charges (interest), is deducted from the total death benefit paid to beneficiaries upon the insured’s passing.
* Tax Implications: Generally, accelerated death benefits received under a terminal or chronic illness qualification are income tax-free under current U.S. federal law, thanks to the Health Insurance Portability and Accountability Act (HIPAA) and subsequent legislation. It is essential to consult a tax advisor for your specific situation.
* Effect on Public Assistance: Receiving a lump-sum payment could affect eligibility for means-tested government benefits like Medicaid. Special Needs Trusts may be a consideration.
* Costs: While sometimes included for free, the rider may involve an administrative fee or a “discount charge” (effectively interest) on the advanced funds.
How to Determine Your Eligibility and Apply
Start by carefully reading your life insurance policy contract or contacting your insurer or agent to confirm if an ADB rider is attached and understand its specific terms.
Discuss your medical condition and obtain the necessary diagnostic and prognostic documentation.
Request a claims package for the Accelerated Death Benefit rider. The insurer will provide the required forms, which will include a section for your physician to complete.
Complete all forms accurately and submit them along with the required physician certifications and any other requested medical records.
The insurer will review the claim and, if approved, will present an offer detailing the amount available for acceleration and the associated terms.
Conclusion
An Accelerated Death Benefit rider is a compassionate provision that can transform a life insurance policy from a future safety net into a present-day financial resource during a serious health crisis. Understanding the qualifications—whether for terminal illness, chronic illness, or specified severe conditions—is the first step in leveraging this benefit. Policyholders are strongly encouraged to review their coverage, ask detailed questions of their insurer, and, when needed, seek guidance from a financial advisor or legal professional to navigate the process and its implications effectively. Proactive knowledge ensures that when faced with life’s most difficult challenges, you can access the support your policy was designed to provide.
Securing Your Financial Future: A Guide to Disability Insurance for the Self-Employed As a self-employed professional, you are the CEO, the marketing department, and the entire workforce of your own enterprise
Your most valuable asset isn’t just your business idea or your equipment—it’s your ability to work and earn an income. But what happens if an illness or injury prevents you from doing that work? For the self-employed, securing a disability insurance quote isn’t just a financial consideration; it’s a critical step in business continuity planning.
Why Disability Insurance is Non-Negotiable for the Self-Employed
Unlike traditional employees who may have access to group long-term disability benefits through an employer, self-employed individuals have no safety net unless they build it themselves. Without disability coverage:
* Your income stops immediately. There is no sick pay or short-term disability leave.
* Business expenses continue. Software subscriptions, loan payments, and other overhead costs don’t pause because you’re unwell.
* Your personal financial obligations remain. Mortgages, utilities, and groceries still need to be paid.
A disability insurance policy acts as a replacement paycheck, providing a monthly benefit that covers both living expenses and critical business costs, allowing you to focus on recovery without financial ruin.
Key Factors That Influence Your Disability Insurance Quote
When you request a quote, insurers will evaluate several factors specific to your profession and personal profile to determine your premium and policy terms.
1. Your Occupation and Associated Risk:
This is the most significant factor. A freelance graphic designer will typically receive a lower quote than a self-employed construction contractor, as the latter’s job carries a higher physical risk. Insurers classify occupations by risk level, which directly impacts cost.
2. Desired Monthly Benefit Amount:
This is the amount you would receive if disabled. Insurers typically limit this to 50-70% of your current gross income (proof of income via tax returns is usually required). A higher benefit means a higher premium.
3. Benefit Period:
How long do you want benefits to last if you become disabled? Common options are 2 years, 5 years, to age 65, or even for life. A longer benefit period increases the cost.
4. Elimination Period (Waiting Period):
This is the deductible in terms of time—the number of days you must be disabled before benefits begin. Common choices are 30, 60, 90, 180, or 365 days. Choosing a longer elimination period (e.g., 90 days) can significantly lower your premium, as you are assuming more of the initial risk.
5. Policy Riders (Add-ons):
These customize your policy but add to the cost. Crucial riders for the self-employed include:
* Own-Occupation Rider: The gold standard. It defines disability as the inability to perform the specific duties of *your own occupation*. Without it, you could be forced into another job to avoid losing benefits.
* Residual/Partial Disability Rider: Pays a proportional benefit if you can work but suffer a loss of income (e.g., you can only work 50% of your capacity after an illness).
* Future Increase Option: Allows you to increase coverage as your income grows without further medical underwriting.
6. Your Age and Health:
Younger, healthier individuals secure lower premiums. A medical exam is often required for the most comprehensive policies.
How to Get an Accurate Disability Insurance Quote
Have your last 2-3 years of tax returns (Schedule C) ready to verify your income. Prepare details about your specific job duties.
Calculate your essential monthly personal and business expenses. Decide on a target benefit amount, desired benefit period, and how long your emergency fund could cover an elimination period.
Work with an independent insurance agent who specializes in disability insurance for self-employed individuals. They can obtain and compare quotes from multiple top-rated carriers (such as Guardian, MassMutual, Principal, or Ameritas) to find the best combination of coverage and price.
Understand the policy’s definition of disability, exclusions, and the specifics of any riders. The cheapest quote may not offer the “own-occupation” definition you critically need.
The Bottom Line
For the self-employed, a disability is not just a health crisis—it’s a business and personal financial crisis. Procuring a disability insurance quote is the first, essential step in building a resilient financial foundation. The investment in a robust policy is an investment in the sustainability of your livelihood, ensuring that the enterprise you’ve worked so hard to build can withstand life’s unforeseen challenges.
Don’t wait until it’s too late. The best time to secure your income is while you are healthy and actively working. Start the conversation today and get the quotes you need to make an informed decision for your future.
Military SGLI to Civilian Policy Conversion: A Comprehensive Guide for Transitioning Service Members
Introduction
For active-duty service members, Servicemembers’ Group Life Insurance (SGLI) provides a crucial safety net—affordable, reliable life insurance coverage that protects families during military service. However, as separation or retirement approaches, one of the most important financial decisions transitioning personnel must make is whether and how to convert their SGLI coverage to a civilian policy. This process, while straightforward in concept, requires careful consideration to ensure continued financial protection without unnecessary cost.
Understanding SGLI Coverage
SGLI offers term life insurance coverage of up to 0,000 to eligible service members, with premiums automatically deducted from military pay. This coverage is remarkably affordable and includes traumatic injury protection (TSGLI). A key feature of SGLI is its portability: upon separation from service, members have the option to convert their coverage to Veterans’ Group Life Insurance (VGLI) or to a commercial policy without a medical exam.
The Conversion Window:
Critical Timing
Service members have 120 days following separation or retirement to convert their SGLI coverage without evidence of insurability. This guaranteed conversion privilege is invaluable, particularly for those with health conditions that might make obtaining civilian insurance difficult or expensive. Missing this window means forfeiting the opportunity for guaranteed coverage, potentially leaving families unprotected or facing significantly higher premiums.
Conversion Options:
VGLI vs. Commercial Policies
Veterans’ Group Life Insurance (VGLI)
VGLI serves as the direct conversion option from SGLI, offering renewable term life insurance. While convenient, VGLI premiums increase with age and can become costly over time compared to some commercial policies. However, it provides guaranteed acceptance during the initial conversion period and can be a suitable bridge while exploring other options.
Commercial Life Insurance Policies
Many service members choose to convert their SGLI to a commercial policy. These policies often offer more variety (term, whole life, universal life) and potentially better long-term rates for healthy individuals. The conversion privilege allows service members to secure substantial coverage regardless of health changes that might have occurred during service.
Key Considerations for Conversion
Even if current insurance needs are minimal, securing a convertible policy preserves future options if health declines.
Compare VGLI premiums with commercial policies, considering both short-term and long-term expenses. While VGLI may be initially cheaper for older individuals, level-premium term policies might offer better value over decades.
Transition often brings lifestyle changes. Assess whether your current coverage amount remains appropriate for your civilian life, accounting for new employment benefits, debt changes, and family circumstances.
Commercial policies may offer living benefits, cash value accumulation, or conversion options that VGLI does not provide.
The Conversion Process:
Step by Step
Start researching options at least 6 months before separation.
Obtain quotes from multiple reputable insurers.
Consult with Transition Assistance Program (TAP) advisors, Veterans Service Organizations, and licensed insurance professionals who understand military conversions.
Complete chosen applications before the 120-day window closes.
Ensure no gap in coverage during transition by understanding effective dates.
Special Circumstances
Those with service-connected disabilities should explore additional options through Veterans Affairs.
Different rules apply for those transitioning to reserve status rather than full separation.
Consider whether dependent coverage needs adjustment during transition.
Common Pitfalls to Avoid
– Letting the 120-day conversion window expire without action
– Assuming civilian employer-provided insurance will be sufficient
– Failing to account for future insurability changes
– Not comparing long-term costs between VGLI and commercial policies
– Overlooking the need for disability insurance alongside life insurance
Conclusion
The conversion of SGLI to civilian life insurance represents more than an administrative task—it’s a critical component of financial planning for life after military service. By understanding options, starting early, and seeking professional guidance when needed, transitioning service members can seamlessly maintain the financial protection their families deserve. This continuity of coverage provides peace of mind during a period of significant change, ensuring that sacrifices made during service are protected long after the uniform comes off.
Resources
– Office of Servicemembers’ Group Life Insurance (OSGLI)
– Department of Veterans Affairs Insurance Center
– Transition Assistance Program (TAP)
– Accredited veteran service organizations
– State department of insurance websites for licensed professional referrals
*Disclaimer: This article provides general information only and should not be considered financial or insurance advice. Service members should consult with qualified financial and insurance professionals regarding their specific situations.*