John Ryan

There is a database that like they do for your driving record, but there's also a medication database that they go to.

There is a database that like they do for your driving record, but there's also a medication database that they go to.

There is a database that like they do for your driving record, but there's also a medication database that they go to.

Yeah, you bet.

Yeah, you bet.

Yeah, you bet.

It is. It's not as popular a coverage as you would think. And I don't usually recommend it because I think the dollars are better spent maybe looking at a private disability policy to supplement the employer plan. I believe the emphasis should be on the catastrophic, the loss that you just can't sustain, can't tolerate, which would be the long-term loss. But the AFLAC-type coverages...

It is. It's not as popular a coverage as you would think. And I don't usually recommend it because I think the dollars are better spent maybe looking at a private disability policy to supplement the employer plan. I believe the emphasis should be on the catastrophic, the loss that you just can't sustain, can't tolerate, which would be the long-term loss. But the AFLAC-type coverages...

It is. It's not as popular a coverage as you would think. And I don't usually recommend it because I think the dollars are better spent maybe looking at a private disability policy to supplement the employer plan. I believe the emphasis should be on the catastrophic, the loss that you just can't sustain, can't tolerate, which would be the long-term loss. But the AFLAC-type coverages...

It's basically, as they say in the ad, gap coverage. There might be something higher deductible. There may be certain conditions that are not covered by your basic employer plan that the supplemental hospitalization plan can pick up.

It's basically, as they say in the ad, gap coverage. There might be something higher deductible. There may be certain conditions that are not covered by your basic employer plan that the supplemental hospitalization plan can pick up.

It's basically, as they say in the ad, gap coverage. There might be something higher deductible. There may be certain conditions that are not covered by your basic employer plan that the supplemental hospitalization plan can pick up.

It'll cover those expenses that your basic health insurance does not cover.

It'll cover those expenses that your basic health insurance does not cover.

It'll cover those expenses that your basic health insurance does not cover.

That's right. And some hospitalization plans are accident only, which is much less expensive. The perception is that if I get disabled, it's probably going to be an accident. So they'll get an accident only hospital indemnity program. So there's two types of supplements to the basic medical program that an employer may provide.

That's right. And some hospitalization plans are accident only, which is much less expensive. The perception is that if I get disabled, it's probably going to be an accident. So they'll get an accident only hospital indemnity program. So there's two types of supplements to the basic medical program that an employer may provide.

That's right. And some hospitalization plans are accident only, which is much less expensive. The perception is that if I get disabled, it's probably going to be an accident. So they'll get an accident only hospital indemnity program. So there's two types of supplements to the basic medical program that an employer may provide.

Right. And those critical illnesses are illnesses like cancer, stroke, heart attack, diabetes, et cetera. And critical illness insurance can be easier to qualify for than insurance. a full coverage private disability program. So for someone who has difficulty getting that type of insurance, a critical illness policy can be a good backup plan.

Right. And those critical illnesses are illnesses like cancer, stroke, heart attack, diabetes, et cetera. And critical illness insurance can be easier to qualify for than insurance. a full coverage private disability program. So for someone who has difficulty getting that type of insurance, a critical illness policy can be a good backup plan.