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Sparks Insurance, Inc. Blog: health insurance

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Two key numbers in retirement planning are Social Security income and Medicare premiums. Each year, the federal government updates benefits and costs. For example, for 2018: Social Security: The average benefit at full retirement age increased $27 per month to $1,404. READ MORE >>

We are not getting any younger, but even age doesn't limit the potential to become disabled by an injury or accident. Our physical and financial responsibilities for ourselves and families can be seriously affected if we were unable to continue working, whether for a short period of time or for forever. READ MORE >>

Although long-term care insurance can be used by people of any age, it is always a very valuable addition to a retirement portfolio. Long-term care insurance (LTC coverage) can protect your retirement savings from being consumed should you have a qualifying event that requires paid long-term care services at home or in a medical- or assisted-care facility. READ MORE >>

This is a crucially important question for us at The Council for Disability Awareness. We would like to see all working Americans have some form of private disability coverage to protect their income when they’re out of work for an extended period of time because of a disabling injury or health condition. READ MORE >>

Cyber bullying is not just libel anymore. Victims often claim severe emotional distress and even bodily injury. In extreme cases, social media users have been blamed for another person’s death. While a homeowners policy may respond to certain instances where bodily injury is sustained, some online activities may be excluded from coverage. READ MORE >>

Starting and ending Daylight Saving Time can play havoc with sleep. Find out how to reset your sleep clock. Turning the clock forward or back for Daylight Saving Time is always hard. Losing an hour in the spring can leave you groggy for weeks while the extra hour in the fall can feel like a windfall – but can disrupt your sleep nonetheless. READ MORE >>

Ahh…the go-to, easy-to-use appliance in our kitchens—crock-pots. They put the question, “What’s for dinner?” to rest and give our homes and apartments the home-cooked meal smell. Here are some trusted tips to consider when using your crock-pot: Not everything is better with age READ MORE >>

As last-minute holiday shopping ramps up, the Boston-based nonprofit World Against Toys Causing Harm, Inc. (W.A.T.C.H.) has released its annual list of the 10 worst toys of 2017, informing shoppers of this year’s most potentially hazardous toys. W.A.T.C.H. READ MORE >>

We all know the saying to help us remember to adjust our clocks for the daylight saving time changes (this Sunday in case you are wondering). But, what can we do to help workers adjust to the effects of the time change?  A few studies have examined these issues but many questions remain on this topic including the best strategies to cope with the time changes. READ MORE >>

As winter approaches, some people are affected by daylight getting shorter. For some, it’s a minor change in mood and others experience a deep depression called Seasonal Affective Disorder (SAD). What causes this? READ MORE >>

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