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Licensed Insurance Agent-Ray A. Plagens, Jr.-Health, Medicare, Life, Long Term Care, Retirement

February 4, 2013 in Personal Insurances


www.insphereis.com/ray.plagens – [email protected] – (574) 210-7474 Ray A. Plagens, Jr – Licensed Insurance Agent IN 547385 Communities I serve: – South Bend, Elkhart, Warsaw, Syracuse, Ft Wayne, Niles, Kalamazoo, Battle Creek, Edwardsburg, LaPorte, LaGrange, Middlebury, Plymouth Health Insurance, Insphere Insurance Solutions, Life Insurance, Medicare Insurance, Long Term Care Insurance, Disability Insurance, Dental Insurance, Vision Insurance, Cancer Insurance, Critical Illness Insurance, Hospital Indemnity Insurance, Supplemental Insurance, South Bend, IN, Elkhart, IN, Warsaw, IN, Syracuse, IN, Plymouth, IN, LaPorte, IN, LaGrange, IN, Niles, MI, Kalamazoo, MI, Battle Creek, MI, Edwardsburg, MI, Professional Assistance, Ray A. Plagens, Jr., Medicare, Health Care Carriers: – United Health Care, Humana, AETNA, AARP, Golden Rule, Medicare, Family Heritage, ING, Minnesota Life, Chesapeake, John Hancock, Genworth

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Personal Insurance (Personal insurance, 1st.edition)Personal Insurance (Personal insurance, 1st.edition)this is a new personal insurance book, with overview of insurance coving your home, auto, property and libility loss, homeowners, financial planning, and life, health and disability insurance
Auto Accident Personal Injury Insurance Claim: (How To Evaluate and Settle Your Loss)Auto Accident Personal Injury Insurance Claim: (How To Evaluate and Settle Your Loss)Auto Accident Personal Injury Insurance Claim reveals the inside secrets of claim negotiating and shows you how to settle your case for top dollar. Th... Read More >

What Are Your Long Term Care Insurance Payment Options?

December 23, 2012 in General

DSCN8270_1_72 - Landscaping At Long Term Acute...

DSCN8270_1_72 – Landscaping At Long Term Acute Care Facility Where My Wife is Staying (Photo credit: bterrycompton)

 

There is a heath care crisis heading for America.  Unfortunately, the politicians we have had for the past 4 years have chosen to ignore it.

 

As Baby Boomers start to retire, there will be a strain on the health care economy caused by Long Term Care expenses.  Neither private major medical insurance nor Medicare will help with those bills.  The only option you will have, if you do not make other plans, is to spend your assets until you can qualify for Medicaid.

Can someone tell me the difference between Whole Life and Term Life insurance? Help?

December 18, 2012 in General

I’m not sure if this is the right catagory, but I need some answers before I change insurance companies, so any help here is greatly appreciated.

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Restrictions on use of the Term “Financial Planner”

December 3, 2012 in General

  Restriction of the term “financial planner” Following successful lobbying by the FPA, the Gov
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Get original story/post can be found at: insurance « WordPress.com Tag Feed
As some links might get broken.

If you want your post to be removed please use our contact form and allow up to 14 days of response, as I am usually traveling a lot.

Interesting Stuff:

General, Organic, and Biological Chemistry: An Integrated ApproachGeneral, Organic, and Biological Chemistry: An Integrated ApproachDrawing on 20 years of teaching allied health and pre-professional students, authors Laura Frost and Todd Deal have created this innovative new text f... Read More >
General Organic and Biological ChemistryGeneral Organic and Biological ChemistryThis general, organic, and biochemistry text has been written for students preparing for careers in health-related fields such as nursing, dental hygi... Read More >
General, Organic & BiochemistryGeneral, Organic & BiochemistryThe seventh edition of General, Organic, and Biochemistry is designed to help undergraduate health-related majors, and students of all other majors, u... Read More >

If I’m on short term disability from my company can they deny my regular insurance?

November 23, 2012 in Insurance jobs and educations

My normal health care requires me to be a full time employee working 40 hours a week. I had a seizure on the job, and can no longer drive a forklift. I have tried to return doing other duties, but they have said they have nothing for me. They placed me on short term disability, and are sending me a cobra package while cancelling my regular health insurance because I’m currently working 40 hours a week. I have worked there 17 years. While on Short Term disability should my regular medical insurance be covered? If it is, where can I find something to prove this to my company in black and white? I’m an Illiniois state resident.

Long Term Health Care Washington | (253) 891-3590

November 20, 2012 in Health insurance


www.longtermcareplanningco.com Choosing the right Longt erm Care Insurance can be over-whelming and time consuming. www.longtermcareplanningco.com Choosing the wrong policy can be nearly as costly as having no coverage at all. www.longtermcareplanningco.com And the last thing you want is to be contacted by a lot of insurance sales reps trying to sell you their companys policy without regard to your real needs. www.longtermcareplanningco.com I promise I will not waste your time or pressure you. Instead I will be happy to find out what your concerns are and provide you with the answers youre looking for so you can make an informed decision. No one else will contact you when you complete the form on the right. www.longtermcareplanningco.com And I promise I will not share your contact information with anyone else. Let me save you the time, stress and hassle of making sense of all the information about long term care insurance.

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Health InsuranceHealth InsuranceThis book provides a thorough overview of health insurance in the United States, with an emphasis on private insurance. Topics covered include: The hi... Read More >
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Health Insurance Today - Text and Workbook Package: A Practical Approach, 4eHealth Insurance Today - Text and Workbook Package: A Practical Approach, 4eThis money-saving package includes the 4th edition of Health Insurance Today Textbook and Workbook.

Independent Retirement Living & Long Term Care Insurance

October 26, 2012 in General

The good news is we are living longer and the bad news is we are living longer, our working years ar
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Get original story/post can be found at: insurance « WordPress.com Tag Feed
As some links might get broken.

If you want your post to be removed please use our contact form and allow up to 14 days of response, as I am usually traveling a lot.

Interesting Stuff:

General, Organic, and Biological Chemistry: An Integrated ApproachGeneral, Organic, and Biological Chemistry: An Integrated ApproachDrawing on 20 years of teaching allied health and pre-professional students, authors Laura Frost and Todd Deal have created this innovative new text f... Read More >
General Organic and Biological ChemistryGeneral Organic and Biological ChemistryThis general, organic, and biochemistry text has been written for students preparing for careers in health-related fields such as nursing, dental hygi... Read More >
General, Organic & BiochemistryGeneral, Organic & BiochemistryThe seventh edition of General, Organic, and Biochemistry is designed to help undergraduate health-related majors, and students of all other majors, u... Read More >

Should I file a complaint to my states Insurance Commissioner about my short term disability insurance company?

October 25, 2012 in Insurance jobs and educations

I paid for short term disability through my employer when I was employed. Then I got an illness and had to have several surgeries in succession and I lost my job. I filed a claim which they received 1 month and 2 weeks ago. After 1 month they asked for 2 more forms to be filled out; 1 by my ex-employer and 1 more by my doctor (Which I think was a duplicate). That was one week ago. I contacted the sales lady, and she said she is working on it, and I should receive an answer on this coming Tuesday (day after MLK Day). Should I file a complaint before that date comes with the state or wait to see if they attempt to delay my payment more?
The coverage was in place at the time the claim was filed and a payment was made for the month before I was let go.

What would be the legal term for a way for someone to break a contract after discovering false info was given?

October 25, 2012 in Insurance jobs and educations

Ok…here is the story. My best friend (a guy) has had his girlfriend living with him for over a year. Back in January she told him that she did not think she was going to be able to continue paying her share of the rent and utilities because she had just become employed. She told my friend that the unemployment she was receiving was barely enough to cover the COBRA insurance she had paid in January and was about to pay in February. She made a deal with my friend (which was put in writing) that said she would not have to pay her share of the expenses starting March until she got a job. At that point she would then begin repaying him. Well, he knew she had an illness that required her to have the medical insurance so he agreed to the deal. However, everything was not as it appeared.

The Basics of Term Proposals Part II

October 21, 2012 in Car insurance


EduTrainer Steve Savant coaches you through basic term proposals. (Part 2) Illustrating Basic Term Comparisons — Proposal systems that illustrated health several health categories, periods of coverage and premium modes provide multiple consumer options. Health Classifications — there are five recognized non rated, nonsmoker health classifications: super preferred, preferred plus, preferred, standard plus & standard. Periods of Coverage — 10, 15, 20, 25 & 30 year indemnification durations. Some carrier actually customize term periods. Premium Mode — Annual, semi-annual, quarterly & monthly bank draft. Some carriers allow bank drafts for semi-annual and quarterly payments. Life Insurance Basic Entry Manual: Order- [email protected] Download Lincoln Benefit Life’s user friendly proposal software and follow Steve Savant as he teaches the basic concepts of life insurance at www.lblsales.com/etw You can download additional sale support materials including prospecting post cards and letters at www.lblsales.com/strategies/sales_customersExisting.php at EduTrainment workshops is sponsored by Lincoln Benefit Life, An Allstate Company.

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