Extra Peace of Mind

Supplemental Insurance is an excellent strategy to help manage costs and financial risk. Cover costs associated with illnesses and/or an unforeseen death that regular health insurance just doesn’t cover.

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Purchasing Dental and Vision Insurance is a smart, affordable way to provide extra security and peace of mind beyond your health insurance, and it can be purchased year round.

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Click to get quotes and enjoy a significant savings on dental and vision care services, some plans with no caps and no waiting periods.

Insurance 101 – Learn more about Dental and Visions insurance coverage for Individuals.

Individual Dental Plans
Individual and family dental plans or policies are relatively inexpensive, but can go a long way in promoting your overall health. Studies have shown that regular dental exams can not only optimize oral health to prevent cavities and bad breath, they also detect serious medical conditions such as heart disease and diabetes. Some studies have even shown that people who have dental insurance suffer less from depression, than those who do not have coverage.

Dental plans can range from a PPO or HMO to Pre-Paid, Fee-for-Service, and Discount on a variety of diagnostic and preventative care services including cleanings, exams, x-rays, fillings, orthodontia for children, and emergency care while traveling.

Individual Vision Plans
Take care of your eyes with an individual vision plan that can be purchased separately or combined with your major medical insurance. Similar to individual dental policies, vision plans are inexpensive and save money on routine exams, eyeglass frames and lenses, contacts, and even discounts on procedures like LASIK. Monitoring your eye health with regular exams also helps to prevent serious eye diseases like glaucoma and cataracts and also helps to detect early stages of diabetes, high blood pressure, and high cholesterol.

Supplemental Life Insurance can be purchased any time of the year and is an affordable safety net to help you protect the people you love the most.

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Insurance 101 – Learn more about the different types of Life Insurance available through our top carriers.

Life Insurance covers your loved ones in the event of a tragedy by helping to pay for your final expenses, your mortgage, your taxes, and the living expenses of your loved ones when they no longer have your income. It can also cover your children’s education and more.

Basic types of Life Insurance
Cash Value: This type of life insurance policy builds up a cash value that has many benefits to the insured, such as borrowing against the policy or building a tax deferred investment income, in addition to paying a death benefit. Whole life, variable life and universal life are all types of cash value life insurance. Cash value insurance is also known as permanent life insurance because it provides coverage for the policyholder’s entire life.

Term Life Policy: This type of coverage does not build cash or investment value. Term life insurance covers you for a set period of time provided you pay the monthly premium, or in some instances, a lump sum in advance. The policy will pay to the named beneficiary the face amount of the policy (set benefit and/or lump sum) upon death of the insured within the stated term. Depending on the policy, it may also make payments upon terminal or critical illness.

Whole Life Policy: This type of coverage combines term life coverage with an investment fund, and as long as you pay your premiums you are covered for life. Part of your premium goes towards the term part that pays a fixed benefit upon your death, and part of your premium goes toward building taxed deferred cash value that you can borrow against. Some whole life policies offer plans in which you can pay a higher premium for a shorter, fixed period of time, such as 20 years, vs. your whole life.

Universal Life Policy: This type of policy combines term insurance with an interest earning money market account. It has flexible terms that let you adjust your payment or coverage amount. Because this account incurs expense charges, you will need to adjust accordingly to make sure your coverage stays active, in the event that the amount in your account becomes insufficient to meet premium payments. You also have the option of building more cash value by paying premiums even when your account has ample funds to cover them.

True Choice Benefits LLC offers both Short and Long Term Disability supplemental insurance to help you ensure your financial protection.

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Insurance 101 – Learn more about Short and Long Term Disability policies.

Disability Insurance protects your most valuable asset during your working years, which is your ability to earn a living. However, statistics show that our chances are greater of becoming disabled than dying between the ages of 25 & 45.

If you became ill or had an accident and couldn’t work for a year, list three people who would pay your bills for you:

1) ___________________________

2) ___________________________

3) ___________________________

How does the list change if you can’t work for 3 years, or longer?

During the time you are unable to work due to a qualifying disability (illness or injury), the replacement of your regular income through the monthly benefit provided by disability insurance helps to maintain your pre-disability lifestyle. Workplaces often provide standard short-term disability (STD) and long-term disability (LTD) insurance to meet federal guidelines. Individual disability income insurance can be customized to meet your needs and considers your occupation, age, income and other factors in determining your cost and monthly benefit payment amount.

Individuals not offered disability through their employer and self-employed individuals who desire disability coverage, can purchase policies.

Those who have disability insurance through their workplace, may wish to consider a “wrap around” disability policy to supplement their employer provided coverage.

Short Term Disability generally allows for income payments to begin after about a two-week waiting period and will continue to pay until he/she recovers or maxes out the benefits–usually anywhere between one month to two years, depending on the policy.

Long Term Disability generally allows for income payments to begin after about a 90-day waiting period, although it could be much longer depending on the policy, but will continue to pay far longer than STD–for a few years, up to age 65, or even for life.

How likely are you to become disabled?

In any given year, the likelihood of being disabled for more than 3 months is greater than dying. (Source: Society of Actuaries)

At age 32, the chance of being disabled for 90 days is 6.5 times greater than the change of death. (Source: National Association of Insurance Commissioners)

More than 51 million Americans, 18% of the population, are classified as disabled. (Source: US Census Bureau, 2008)

75% of of all disabilities are caused by illness rather than accident. (Source: Commissioner’s Disability Table)

A Harvard University report reveals that 62% of all personal bankruptcies filed in the US in 2007 were due to the inability to pay for medical expenses. (Source:The American Journal of Medicine, June 4, 2009)

Every year, 350,000 personal bankruptcies are attributed to injuries and unexpected illnesses. (Source: “Illness and Injury as Contributors to Bankruptcy,” Health Affairs, 2005)

Only a small fraction, 10%, of disabiling accidents and illnesses are work related. The other 90% are not, which means workers’ compensation does not cover them. (Source: National Safety Council, 2008)

Protect your income, protect your lifestyle, protect your family.

For more information, please contact Shelly at (480) 206-8294 or shelly@truechoicebenefits.biz.

True Choice Benefits LLC understands it is never to early to plan for Long  Term Care and can help you customize a plan that fits your needs and budget.

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Insurance 101 – Learn more about Long-Term Care insurance.

Long Term Care Insurance
Long-Term Care (LTC) recipients are not “sick” in the traditional sense. Instead they are unable to perform some or all of the activities of daily living such as: dressing, bathing, eating, getting in/out of bed, toileting, walking or other basic activities. Long-term care encompasses a wide array of services that fall under two general categories – skilled care and personal care.

  • Skilled care is provided when recovering from an illness or an injury.
  • Personal care helps maintain the daily activities and functions of life.

Long-term care is usually not medical care and generally does not require a doctor or a nurse. The need for LTC is not always age related. Statistics tell us that more than half of all individuals age 65 & over will need LTC at some point, however it is important to note that roughly 40% of those receiving LTC today are between the ages of 18 and 64.

Long-Term Care services generally are not covered, or covered only minimally, by health insurance, Medicare or Medicaid. The cost of LTC can quickly drain even a large estate and burden those closest to you both financially and emotionally. Long-Term Care insurance can avoid those difficult situations, as well as enabling you to maintain control of your care and your choice of the facilities that best suit your needs, instead of allowing welfare or the government to make your LTC decisions for you. You should be aware that Disability Income Insurance is not designed to cover LTC expenses, but simply replaces part or all of your income during your working years should you become disabled. You need specific coverage to pay for long-term care needs.

Here are examples of what LTC policies may cover:

Institutional Care: Nursing home, assisted living services residential care facility, hospice care, adult foster home, respite care and more.

Home Care: Home health care, adult day care, personal care, homemaker services, hospice care, respite care and more.

Critical Illness Insurance covers illness like cancer, a stroke, a heart attack, and others.  It can be purchased any time of the year and is a smart way to manage risk and prevent financial ruin in the event of an an unforseen critical illness.

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Insurance 101 – Learn more about Critical Illness insurance plans.

Surviving cancer and other critical illness is becoming increasingly common with the advances in modern medical technology.  Critical Illness Insurance can help reduce the personal financial impact of the cost of fighting these illnesses or keeping up with everyday bills through that process.  If you have a health insurance plan and/or disability insurance, Critical Illness Insurance will provide benefits in addition to your other coverage.

Some key features:

-Lump-sum cash benefit paid directly to you.
-You decide how best to spend your payment.
-No network restrictions.
-Benefit level choices to fit your needs and budget.
-Simple plan options for your needs and budget.

The benefits and riders offered are supplemental and are not intended to cover all medical expenses.  Certain terms, exclusions and limitations may apply.

Important Disclaimers:
Benefits: Any benefit information provided on our website is a brief summary, not a comprehensive description of benefits, and may contain inaccuracies. For more information contact the plan administrator or carrier directly. Limitations, copayments, and restrictions may apply, depending on the plan.
Contact Forms: By providing information via our contact forms or quote request forms, you agree that an authorized representative or licensed insurance broker of True Choice Benefits LLC may contact you by telephone, email, or mail to answer your questions or to provide additional information.
Agents: True Choice Benefits LLC is a fully licensed insurance agent/agency authorized to market health, life and Medicare Supplement insurance plans. This is a solicitation for insurance. You have no guaranteed issue or other benefits. Offerings of insurance are made by carriers/insurers based only on submitted applications. True Choice Benefits LLC is an independent insurance brokerage and is not an insurance carrier/insurer.