Facts & Articles On The Different Types Of Insurance
Develop Your Domain Names
Combined Insurance: Consider Supplemental Accident Insurance and Disability Insurance During Safety Awareness Month
Chicago, IL (PRWEB) June 26, 2008 -- Combined Insurance (http://www.combinedinsurance.com), a leading provider of supplemental insurance, encourages consumers to use Safety Awareness Month in June as a good time to ensure they have the right supplemental insurance (http://www.combinedinsurance.com/insurance-types/accident-insurance.html) protection in place to meet their needs should an unplanned accident or illness strike. Owning supplemental accident insurance (http://www.combinedinsurance.com/insurance-types/accident-insurance.html) or disability insurance policies are among the ways consumers can help safeguard individual or family assets in the event an unplanned accident or injury prevents or limits the ability to work.
According to Combined Insurance's research of more than 330,000 accident claims, the most reported accidents in the past year were sprains, fractures and strains totaling more than 200,000 claims. Such injuries can often require medical attention and leave people unable to work for a period of time.
Overall in 2006, there were approximately 3.9 million nonfatal occupational injuries, according to the 2006 Bureau of Labor Statistics, U.S. Department of Labor. In addition, the 2005 edition of Facts and Figures published by the Healthcare Cost and Utilization Project reports the average length of a hospital stay is 5 days, at an average of $22,300 per stay. Such expenses related to hospitalization and emergency-room care can end up costing a family months' worth of income, yet many families don't have a supplemental disability insurance (http://www.combinedinsurance.com/insurance-types/disability-insurance.html) plan in place to cover some of the accident and sickness-related expenses not covered by major medical insurance.
Due to the high risk of accidents and injuries both on the job and at home which can limit a person's ability to work for a period of time, Combined Insurance stresses that it's important for consumers to not just weigh their current health insurance coverage against the costs not covered, but also consider those expenses which they might feasibly incur in the coming months or years. Combined Insurance recommends that if consumers find they aren't in a position to cover those costs, they might want to consider additional protection options. A supplemental Accident insurance and Sickness insurance plan is one way families can help protect against unplanned, out-of-pocket costs.
"June is Safety Awareness Month and an important component of being 'safe' either on the job or at home is making sure you have the right amount of supplemental insurance protection to cushion against any unplanned accident or sickness-related costs that may occur. Being able to cover such expenses goes a long way toward helping to protect a family's assets and savings and helping to keep them more financially secure," stresses Becky Mills.
Supplemental (http://www.combinedinsurance.com/insurance-basics/about-insurance.html) Accident Insurance and Sickness Insurance - Added Protection
Supplemental accident insurance policies typically provide coverage to help fill in where major medical might not. Coverage levels tend to vary, but can include a daily or "per accident" benefit for:
? Hospital admission
? Hospital confinement
? Intensive care
? Emergency Room treatment
? Outpatient surgery
? Recovery after hospital confinement
? Ambulance/Transportation
? Blood & blood plasma
? Family lodging
? Medical appliances
? Additional accident benefits, including fractures, concussion, accidental death or dismemberment, physical therapy and health screening.
Another consideration is that benefits from supplemental accident insurance policies are generally payable directly to the consumer, or a designee, regardless of other insurance policies in force. This is an important benefit to keep in mind - at times when a consumer most needs help to cover expenses, the potential to cover some of those costs is there.
Finally, supplemental accident insurance and sickness insurance coverage begins immediately, offering around-the-clock protection on or off the job, regardless of age.
Combined Insurance Encourages An Ounce of Prevention for Safety Awareness Month
"The National Safety Council has stated that overexertion is the cause of about 31 percent of all disabling work injuries. It's a good idea to spare your back the stress and strain of lifting and bending. If you have lift heavy objects try to reduce the amount of pressure placed on the back by bending the knees and keeping your spine in a better alignment," said Becky Mills. "Instead of using your back like a crane, you allow your legs to do the work. If you don't use your back like a lever, you avoid putting it under potentially damaging force."
The National Safety Council is a good resource for additional facts on how to prevent accidents. You can visit their web site at http://www.nsc.org/.
About Combined Insurance Company:
Combined Insurance (http://www.combinedinsurance.com) is a leading provider of supplemental accident, health and life insurance products and is a member of the ACE Group of Companies. With a field sales force and corporate staff in excess of 10,000 people worldwide, Combined meets the growing coverage needs of policyholders around the globe. For more information, call 1-800-490-1322 or visit http://www.combinedinsurance.com.
About ACE:
The ACE Group of Companies is a global leader in insurance and reinsurance serving a diverse group of clients. Headed by ACE Limited (NYSE: ACE), a component of the Standard & Poor's 500 stock index, the ACE Group of Companies conducts its business on a worldwide basis with operating subsidiaries in more than 50 countries. Additional information can be found at http://www.acelimited.com.
###
Other Article Sites
findabook.com moneycd.info a-mortgage.info
about-lemon-laws.info aboutstudentloans.info
all-about-publishing.info auctions-articles.info bestcollege-university.com bestispconnection.com
biblefolder.com blogger-website.com books-used.info brokers-guide.info buywindows.info cable-dsl.info
career-miner.com carpel-tunnel.info cashinaflash.info cashloanreviews.info casinobell.com chat-house.info
clearmycredit.info collegeloantips.info crones.info depression-articles.info
dirnic.net dishguides.info
divers-below.com expodog.info
financewizz.com fire-insurance.info getgood.info handleit.net
it-idea.info
health-supplies.info hosting-right.com insidealert.com insurance-facts.info jobs-employment.info
justgood.info lookgold.net
lowcost-travel.info money-source.info myhostzone.info numisblog.com
peoplesearchfinder.info pr-articles.info realeas.com
refinancing-guides.info spyware-remove.info
telelot.info the-law.info
toppaid.info travel-deals.info travelcorrect.com wedding-guide-site.com
your-blog.info your-credit.info
Family Health Insurance
Health insurance is something everyone needs. No matter how big or small your family is -- or even if it is just you -- people need to see doctors, go to the hospital, use medications. Health insurance keeps your costs low, so you don't have to pay mounting doctor and hospital bills later in life. Health insurance helps the average person get the medical attention and prescriptions he or she needs to stay healthy for life. Without health insurance, every time you get sick you have to pay the bill to the doctors office or hospital. With health insurance you pay less, and the insurance company pays the rest of the bill.
How To Save Money And Get Discount Health Insurance In Nevada
Health insurance is something most people don?t think about ? until they get sick. And then, of course, it can be too late.
A Review On Travel Insurance - Do You Need It Or Not?
Personally I think it would be very foolish not to have some sort of travel insurance, especially if you are flying abroad. People sometimes make the mistake in thinking that their local insurance policies will cover any losses and have a big shock when they come to make a claim. Besides, if you have the right policy, it takes all the worry out of your trip.
Life Insurance Canada | Selecting The Correct Life Insurance Policy
A person can find many different types of insurance policies nowadays, depending on the needs and requirements of the person who is buying the policy can select one among them Many people have no idea about the right information about these policies so they result in selecting the wrong type of policy which might not provide the right protection that the family needs
The Importance of Commercial Property Insurance and Covering Your Assets
While a good business insurance package can often include coverage specific to doing certain kids of business, such as professional liability insurance, all businesses essentially have the same kinds of insurance needs as individuals and properties do ? for the most part. The difference often lies in terms of degree and specific elements to be covered. However, just like with other entities, businesses have to worry about being robbed, damage due to bad weather, or any number of losses of assets resulting from countless types of risks.
Compare Car Insurance Companies Before You Commit
If you want to save money on your car insurance, compare insurance companies before you sign up for an annual premium. Car insurance premiums can differ as much as 300% between carriers for the same coverage.
What's Universal Life Insurance?
Universal life insurance is a form of whole life insurance, but the premiums are more flexible and the benefits are more adjustable. Some insurance experts suggest that only those individuals seeking life insurance coverage into their 70s or beyond should purchase universal life insurance. Before you decide whether or not a universal life insurance policy is right for you, consider the following information.
Home Insurance Leaves Britons £9 Billion Out of Pocket, Says Confused.com
Britons could have saved an average of £9.3billion on their home insurance in the first six months of 2008 if they shopped around, according to Confused.com - the UK's leading insurance price comparison site.
How To Compare Low Cost Car Insurance In Oregon
Everyone wants to save money on their car insurance, Oregon drivers possibly more than most other drivers. The reason for that is that Oregon drivers pay some of the highest car insurance rates in the country.
Simple Guide to a Successful Auto Insurance Claim
Auto insurance is now a commodity that goes with your car. Most states in the US require liability auto insurance to answer for the damage caused by the insured to somebody else.
Why Should You Get A Homeowner Insurance?
Homeowners insurance protects the homeowner from financial losses against theft, storms, fire, flood and all other causes explained in your policy. Read your policy carefully to understand your coverages. Reading policy is not enough you should also know about your rights. All states have renter?s insurance and consumer bill of rights to help you in case you file a claim against home insurance company. Your home insurance company should send you bill of rights with policy.
How To Compare Low Cost Long Tern Care Insurance In Colorado
Health care costs in Colorado are among the highest in the nation, and while there is talk of legislation to help ease the burden on Colorado citizens it is still up to each of us to compare health options and shop wisely.
What's The Purpose Of Health Insurance Companies
A health insurance policy is a must-have for everyone. It is a kind of promise given by a financial institution. The promise is of financial compensation against any unforeseen medical expenses. This policy is very beneficial for you.
How Much Life Insurance Do You Need?
Life Insurance Needs Analysis is an important step for your financial planning. Even if you sit down with a professional financial planner or insurance agent, you should have some idea of what factors are used to calculate your suggested death benefits. I find that the more informed that consumers are, the more they were satisfied with their purchase decisions. It may take more conversations with informed clients to actually settle on a deal, but those deals tended to stick.
Family And Individual Health Insurance Plans - What You Need To Know
Deciding which individual and family health insurance plan is just right for you and your family can seem as challenging as judging which apple is the very best out of an entire barrel at the supermarket. The apples are all different sizes, shapes and colors, and the health insurance plans all offer different fees, types of benefits, and levels of coverage.
