Insurance

Health

􀀀 Evaluate your health insurance options based on:

􀀀 Deductibles

􀀀 Copayment/Coinsurance

􀀀 Premiums

􀀀 Pick where you are going to get your health insurance

􀀀 Note your enrollment period

􀀀 Check out the Health Savings Account (HSA) to see if it’s the right fit for you

Life

􀀀 Make a decision about whether you need life insurance

􀀀 Determine how much life insurance you need

􀀀 Determine what type of plan you will get

􀀀 Shop for rates (private insurer)

􀀀 Determine if you want to also get your employer’s life insurance policy (if applicable)

Short-Term Disability

􀀀 Figure out if your employer has a short-term disability plan and how much it costs

􀀀 Make a decision about whether you need short-term disability insurance

Long-Term Disability

􀀀 Make a decision about whether you need long-term disability insurance

􀀀 Determine what type of plan you will get

􀀀 Figure out if your employer has a long-term disability plan and how much it costs

􀀀 Shop for rates (private insurer)

􀀀 Evaluate your long-term disability insurance options based on:

􀀀 Premiums

􀀀 Policy’s definition of disabled (that makes you eligible to receive your benefits)

􀀀 The benefit (the % of your gross income)

􀀀 Benefit plan period

􀀀 Elimination period (also called waiting period)

Car

􀀀 Shop for rates (private insurer)

Renters

􀀀 Shop for rates (private insurer)

Home

􀀀 Shop for rates (private insurer)