Is group or individual LTC insurance more expensive?

Answer A long-term care (LTC) insurance plan for a group may be more expensive than an individual plan with the same benefits if the members are older or less healthy people who use their benefits sooner.... Read More »

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If you have Medicare Part A B what are the benefits of having a more expensive secondary insurance over a less expensive supplemental or medigap insurance?

Answer I'm not sure what you mean by a "secondary" insurance.

What Is the Difference Between Group & Individual Health Insurance?

The difference between group health insurance plans and individual health insurance policies begin with access to coverage. Those who buy individual policies can expect to find that they often offe... Read More »

Who has to give notice of conversion from group to individual life insurance policy?

Responsibility for notifying the group life insurance carrier of a desire to convert coverage to an individual policy falls on the shoulders of the terminated employee. It is not the employer's dut... Read More »

Can an employer offer guaranteed issue group insurance plan and exclude certain conditions on an individual?

No Answer No, these types of plans can not discriminate. The plan can have specific exclusions but they must be applied equally for all employees.