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Paul Kern Insurance Blog

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There are two types of disability policies: Short-Term Disability (STD) and Long-Term Disability (LTD):     · Short-Term Disability policies (STD) have a waiting period of 0 to 14 days with a maximum benefit period of no longer than two years.   READ MORE >>

Because of old age, mental or physical illness, or injury, some people find themselves in need of help with eating, bathing, dressing, toileting or continence, and/or transferring (e.g., getting out of a chair or out of bed). These six actions are called Activities of Daily Living–sometimes referred to as ADLs. READ MORE >>

There are essentially two kinds of health insurance: Fee-for-Service and Managed Care. Although these plans differ, they both cover an array of medical, surgical and hospital expenses. Most cover prescription drugs and some also offer dental coverage. Fee-for-Service READ MORE >>

The difference between actual cash value and replacement cost   As an auto or home policyholder, many of us forgo reading the fine print when it comes to our policies. We rely on our independent agent to help us choose the right coverage based on our needs. READ MORE >>

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