Insurance Solutions- Plan Well, Live Better: A Workbook for People with Chronic Disease or Disability

Rating:
Summary: Helpful, and I am already disabled
Review: I complete disagree with the other review. I doubt this was ever meant to be a book about how to redeem yourself if you are already on disability and didn't do any planning so are living on paltry government benefits. Instead, it is a book about hot NOT to end up that way even if you are already diagnosed with something. If all you want is to have all the insurance or benefits you need handed to you, then this is not the right book for you -- nor the RIGHT COUNTRY! If, however, you are willing to do some serious work then this book will let you see beyond your employer benefits and anything else you may have and make sure you don't get "bit" by the "American system." It does assume that you would be willing to pay reasonable premiums. But, I completely disagree that it offers nothing to people already out on disability. The hospital indemnity strategy alone could be worth fortunes, and the sicker you are the better it would seem to work. It does have a lot of forms and worksheets, but if you are a serious planner this can only be helpful. I especially like the single worksheet where she summarizes all of the insurance coverages in one place in a "risk analysis" format. It is about time that somebody treat people with disabilities as if they weren't all poor or incapablem and I really like it that somebody is trying to do something for people with disabilities in the free markeplace rather than just telling us all to rely on the government for everything.

Rating:
Summary: HELPFUL, even though already on disability
Review: I completely disagree with the other reviewer. This book was totally fresh and inventive. It does have a lot of forms and worksheets; but, for people who are really serious, they can only be helpful. I especially liked how she summarized the concept of "risk" and gave one single worksheet to let me get an overview of exactly where I stand with ALL my insurance. The hospital indemnity strategy the author outlines in the action plan section, alone, could be worth a small fortune in insurance income, even for people who are already out of work (assuming they are willing to pay reasonable premiums). Of course it helps to be employed when it comes to getting insurance; however, this author helps us do better than just rely on our employer policies alone. She also shows us how to better get prepared to become unemployed when the time comes. If all you want is somebody to "hand you" all the insurance or benefits you will ever need, and especially only after you are already sick or disabled this is not the book for you -- and probably not the right COUNTRY EITHER! However, if you are willing to do some serious analysis and planning to maximize your protection, and follow her plan, you can pretty much rest assured you won't get "bit" by the American "system" even if you are already diagnosed with something. I doubt this was ever meant to be a book about how to redeem yourself if you didn't get adequate insurance and then got sick afterwards and now are so broke you have essentially no options except pitiful government benefits; rather, it is a book about how to make sure that what you have will actually do what it needs to do when the time comes, and how to make it better even if insurance companies don't really want to deal with you privately anymore. I love the book; it's about time that somebody treat people with disabilities as if they weren't all poor or incapable.

Rating:
Summary: How to examine health, life, disability and care plans
Review: Insurance Solutions is a very strongly recommended workbook specifically designed for businesses with employees having chronic conditions or disabilities and is especially valuable for its importance as an effective financial planning and problem solving management tool. Insurance should cover all disability-related costs, but it's important to understand differences between insurance policies and benefits. Readers learn how to examine health, life, disability and care plans for long-term usefulness.

Rating:
Summary: Very disappointed ....
Review: This book is a total waste ... save your money.