If you're approaching your 65th birthday, it's time to start thinking about applying for Medicare. It can be a confusing process, so don't wait until the last minute to get started. There are specific enrollment windows, and if you miss yours and apply late, you might have to pay a fine. Here is a general overview of how you go about applying for Medicare coverage.
Your Seven Month Window
You apply for coverage during the seven month window that surrounds your birthday.
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If you have an automobile insurance policy, and you feel your rates are a bit higher than you would like to pay, dropping collision coverage is an option you may have considered. While this is likely to reduce the amount of your insurance bill, conducting this action prematurely can cause you a larger loss in money should you get in an accident down the road. Here are some tips you can use to help you decide when is the best time to drop this coverage, if at all.
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If you have a less than perfect driving record, you may think that you're doomed to always pay astronomical rates for car insurance. However, although your driving history does play a role in determining the cost of your vehicle insurance protection, there are other factors that are weighted as well. Making changes to some of the other components of the car-insurance equation may be the key to helping you lower your insurance rates.
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Auto insurance is more than a legal necessity; it is also good protection in the event of an accident. This is especially true if you have a family that is often transported in your car. The following insurance tips will help you get the most from your policy and possibly even save you some money.
Tip #1: Make sure all injuries are covered
Chances are you often have your family members and possibly some of their friends in the car with you when you are out and about.
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As a professional designer, there are many things that you need to set up for your business. Getting good insurance coverage is something that should come early on to protect your budding business relationships. Here are some of the important types of insurance to get as a graphic designer.
Professional Insurance
The first thing that you'll want to look into as a professional designer is professional liability insurance. This type of insurance will cover you in case their are problems with your professional work.
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