Category Archives: Frequently Asked Questions

Will Healthcare Reform Benefits Be Realized?

According to a new report issued by independent research group The Commonwealth Fund, baby-boomers in particular will benefit from the new healthcare reform law, the Affordable Care Act of 2010. See http://thehill.com/blogs/healthwatch/health-reform-i…

Am I Covered?

This article discusses common issues and questions asked by homeowners.

With Storms Slamming California, Are You Protected Against Falling Trees?

With storms pummeling much of California this week, homeowners may wonder whether they are financially protected from falling trees. The answer is a conditional yes, though there are some exceptions to standard homeowner insurance policies that policyh…

Insurance Experts Answer Storm Damage Questions

With a record-setting series of storms poised to continue pummeling California through Christmas, the Insurance Information Network of California offers advice.Question: My home was damaged in the storm, but I’m not sure that it’s covered b…

Insurance Experts Answer Strom Damage Questions

With a record-setting series of storms poised to continue pummeling California through Christmas, the Insurance Information Network of California offers advice.Question: My home was damaged in the storm, but I’m not sure that it’s covered b…

If My Short Term Disability Claim is Denied, Can I or Should I File an LTD Claim As Well?

If you make a claim for short-term disability (STD) benefits, and your STD claim is denied, and your policy says that the receipt of STD benefits is a pre-requisite to receiving long-term disability (LTD) benefits, you may still have to…

Upside Down and Inside Out: Why Tax Expenditures Do Not Benefit Low-Income Families

The number of people living in poverty in 2009 was the largest in the 51 years for which poverty estimates are available. There were 43.6 million people in poverty in 2009, up from 39.8 million in 2008, and the nation’s official poverty rate in 2009 wa…

How to Pay Less for Auto Insurance in California

Auto insurance quote is a tedious and complicated calculation. All drivers have their own unique profile based on characteristics like the number of years having a valid license, sex, the distance traveled annually, and foremost being the driving record. Further more details of your car, your location, and other demographic and risk criteria are considered […]

QUESTION: Will your insurance pay if you suffer a catastrophic injury or need emergency medical care?

ANSWER: It depends… Most people think that if they have health insurance coverage, at the very least it will provide coverage if they get in a car accident or have some other catastrophic injury. However, this is often not the…

Defining “What is a Group?” Under Proposition 103

Notice of California Department of Insurance Workshop
By Robert W. Hogeboom
On Monday, November 11, 2010, the California Department of Insurance (CDI) issued a Notice of Workshop Regarding Affinity Groups Under California Insurance Code Section 1861.12…