1. Take Charge and Reach Your Goals www.picpa.org (215) 496-9272 info@picpa.org Money & Life – Insurance Presented by:

2. PICPA PICPA – Pennsylvania Institute of Certified Public Accountants PICPA is a professional association of more than 19,000 CPAs working together to improve the profession and serve the public interest.

3. Insurance Many types and it’s important to understand each one and how they work Disability Insurance Life Insurance Long-Term Care Insurance Health Insurance Homeowners Insurance Auto Insurance

4. Insurance Disability: Why do you need it? When do you need it? Where do you get it?

5. Insurance Disability: Why do you need it?

6. Insurance Disability: When do you need it?

7. Insurance Disability: Where do you get it?

8. Insurance Life Insurance: Its many uses How much do you need? Types of policies Where can you buy it?

9. Insurance Life Insurance: Its many uses

10. Insurance Life Insurance: How much do you need?

11. Insurance Life Insurance: Types of policies Permanent and Term

12. Insurance Permanent life insurance Whole Universal Variable Universal variable

13. Insurance Term Life Insurance for specific amount of time ranges from 1-30+ years will get nothing if you live past coverage period death beneficiary receives face of policy upon death during term

14. Insurance Life Insurance: Where can you buy it?

15. Insurance Long-Term Care Insurance Who needs it? Medicare Types of policies Where do you get it?

16. Insurance Long-Term Care Insurance: Who needs it?

17. Insurance Long-Term Care Insurance: Medicare

18. Insurance Long-Term Care Insurance: Types of policies

19. Insurance Skilled care Continuous, round-clock Medicare coverage Medigap’s coverage Long-Term Care’s coverage

20. Insurance Intermediate Needed occassionally Medicare’s coverage Medigap’s coverage Long-Term Care’s coverage

21. Insurance Custodial Assist in performing activities of daily living Prof. medical skills not necessary Only Long-Term Care coverage

22. Insurance Long-Term Care Insurance: Where do you get it?

23. Insurance Health Insurance Understanding your plan Save FOR expenses Save ON expenses

24. Insurance Health Insurance: Understanding your policy

25. Insurance Several types of organizations: HMO PPO POS EPO

26. Insurance Health Insurance: Save FOR expenses

27. Insurance Accounts include: Flexible Spending Health Care Reimbursement Health Care Savings

28. Insurance Health Insurance: Save ON expenses

29. Insurance Saving on expenses includes: Use network Generic drugs Use ER only for emergencies Ask about home testing

30. Insurance Homeowners Insurance: What’s commonly covered Ways to reduce cost

31. Insurance Homeowners Insurance: What’s commonly covered

32. Insurance Homeowners Insurance: Ways to reduce cost

33. Insurance Auto Insurance: Understanding your policy Ways to reduce cost

34. Insurance Auto Insurance: Understanding your policy

35. Insurance Auto Insurance: Ways to reduce cost

36. Remember to Feed the Pig Questions?