Category Archives: News & Views Magazine

Caterpillar Employee – Losing Health Insurance Coverage?

Questions about Caterpillar Insurance Coverage? Certain Caterpillar employees who retired after 2/1/1991 have been sent a letter regarding the discontinuance of their Caterpillar provided health insurance coverage. There are two issues why Cat retirees may have received these letters. The first issue was a letter dated 3/16/09 stating that beginning 1/1/10 and when the retiree…
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Insurance Changes May Benefit You

Changing Insurance Policy Information This is an active time in the insurance industry and these changes may be of benefit to you. Do you have a dependent covered on your employee group health plan or individual medical policy? Are you looking at purchasing a long term care (LTC) policy – or do you already have…
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Laid-off – Should I take COBRA?

COBRA Coverage Laid-off workers who are eligible for COBRA (over 20 employees) are allowed to maintain coverage under the previous employer's policy for up to 18 months, provided they pay the premium and possibly a 2% administration fee. Employees at companies with fewer than 20 employees are eligible for Illinois State Continuation coverage for up…
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Great VA Program – but is Underutilized

A Veteran and Need Help With Activities of Daily Living? Are you a Veteran? Hats off to you and thank you for your service. Some say it seems that USA does not help its veterans to the extent they should. Now, good news for those qualified veterans who are in great need of help with…
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Simplifying Medicare Health Coverage Options

Health Insurance Coverage Questions are Answered The past three columns have been on Medicare and your options as consumers. With all of the health insurance issues today, this writer sees people with more questions concerning their Medicare options than any other issue as of this time. One aspect these people share is confusion over what…
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What Are My Medicare Coverage Choices?

Medicare Coverage Discussion If you have Medicare coverage, you may have more options for health coverage than you knew. Most people still have original Medicare, know they probably need a Supplement, and have an understanding of the coverage they have. However, if they are not covered by a retiree plan or group plan, they may not…
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Open Enrollment and What it Means to You

This column is assuming you have read the past column or two and/or have a basic knowledge of Medicare Advantage (MA) plans. Remember, MAs are an alternative to cover people on Medicare. Unlike traditional Medicare, MAs are offered through private insurance companies and they would administer your health care benefits for you. Now we are…
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