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Business Insurance
The success and progress of a business, whether, it is a large scale business or small scale business or home based business is dependent on hard work. It doesn’t matter how good you are earning, one disaster like fire or theft can wipe out all your...
Business Insurance – And What You Need To Know
Getting your business up and running is exciting, challenging and hard work. You’re finally making money – and you are the driving force that is making your business grow. But have you taken care of the “What ifs”. Like – “What if I get sick, how do...
Everything You Need to Know About Life Insurance
Life insurance is a type of protection that can be bought and insures the buyer in the event of death. The risk that is assumed by the insurer is the risk of death of the insured. Life insurance is a very good purchase in order to protect a family,...
Having the Right Amount of Auto Insurance Coverage
Maybe you have auto insurance coverage now but do you ever wonder if it's enough if you are unfortunate enough to get into a car accident? Some people carry a combination of auto insurance coverages because carrying too little coverage can cause you...
How to Lower Your Life Insurance Premiums
In the world today when human health and life are extremely
precarious, getting a health insurance becomes mandatory for
every individual. Health insurance can be of immense benefit in
the hours of need. It brings requisite money at your...
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Health Insurance for the Self-Employed
Having health insurance and being able to afford it is a great concern for many who leave a corporate job to run their own business.
The national crisis in health coverage is hitting the small business owners especially hard. About 24 million small-business employees and their families are uninsured, according to a study by the Kaiser Family Foundation.
After you leave your employer you may elect to continue to receive coverage in the employer's group plan at your expense for up to 18 months. The Consolidated Omnibus Budget Reconciliation Act (COBRA) is a federal law that requires employers to allow departing workers to buy health insurance through the employer's group plan.
However, the cost of the monthly premiums for COBRA can come as quite a surprise if you're accustomed to you employer picking up most of your health insurance tab.
Luckily starting in 2003, if you work as a consultant, freelance worker, and
other self-employed individual you will be allowed to deduct all of your health insurance premiums. This is an increase form the 70% that was deductible in 2002. You can take the self-employed health insurance deduction even if you do not itemize your tax return.
But, even with health insurance the medical expenses that come out of your pocket can overwhelm you. If you have to dip into your retirement savings for certain medical expenses, the best way to do so is to transfer your IRA or previous 401(k) account to a Self-Employed 401(K) plan that you set up. You can then take a loan from that plan. Loans from a Self-Employed 401(k) plan are tax-free and penalty free as long as they are paid back.
About the Author
By Daniel Lamaute of www.InvestSafe.com Daniel is a retirement plans specialist and owner of Lamaute Capital, (InvestSafe.com) an investment brokerage firm that works with individuals and small businesses.
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