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On January 1, 2014, many of the new provisions of the Patient Protection and Affordable Care Act (ACA) went into effect.  One of the largest changes is that insurance providers can no longer engage in a process called medical underwriting.  Medical underwriting was when insurance...

Patience is not simply the ability to wait - it's how we behave while we're waiting. - Joyce Meyer When you apply for a new job, you may face a waiting period before your new employer gives you access to certain employee benefits, such as health insurance coverage. These...

by Michelle Shagenov, Esq. In my last post, I discussed the power of attorney as a powerful “estate planning“ tool. I explained that a power of attorney allows YOU, not a Court, to choose who will make financial and legal decisions for you. The power of...