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How to File an Initial Claim for Unemployment Insurance Benefits


This video explains how to file your initial claim for Unemployment Insurance Benefits in the State of Oregon.

This is the first video in a multi-video series to assist you with your Unemployment Insurance Benefits.

Burial Vs Term Life Insurance – Which One Should You Own?

Are you are thinking about the future, regarding what your family will do after you are gone? If so, you will want to think about the type of insurance that you have, which can provide them with the money that they will need to continue once you are gone. There are a couple of types of insurance that every family should have, especially the “breadwinner”, so as to provide his or her family with money that will no longer be coming in. This article will look at burial vs. term life insurance, two of the most important forms of insurance that you can have that should be owned by every person that is financially responsible for their family.

What Is Burial Insurance?

As the name indicates, this is a type of insurance that you need to have if you would like to provide your family with the money that will be necessary to bury you after you are gone. Funerals can be expensive, and to pay for the cost of your burial, as well as the casket, and also your grave site, this extra money will help. Most policies are for $10,000, which will easily cover the cost of most funerals today. The cost is usually about $10 a month, although it can be higher or lower Term Life or Burial Insurancedepending upon the amount of the death benefit. The other type of insurance that you need is called term life insurance, which we will now present. In fact, this can be the most important type of insurance that any person can have that wants to take care of their family long after they are gone.

What Is Term Life Insurance?

This is a form of life insurance that has only a death benefit associated with it. It is different from whole life or universal life policies. If you have a whole life policy, for example, there is usually an annuity that is attached to the life insurance that will also be paid out at the time of death. The benefit of using this type of policy is that it acts as a savings account that people can use to borrow money from in times of emergency. However, if kept intact, it will earn interest over the course of time, and will give your family, even more, money at the time of your death. The problem with this type of insurance, especially in comparison to cheap term life insurance, is that it is costlier. Just looking at the numbers, it is much more affordable to get a term life insurance policy, as well as a much larger death benefit for your family, when you decide to go with term life.

Burial vs. Term Life Insurance

Most people have an insurance agent that they like to work with, one that can provide you with quotes on both types of policies. Sometimes quotes for burial insurance can come from a completely separate entity, companies that strictly deal with burial insurance, and the same is true for term life. It is recommended that you go online to submit your information about getting a quote on each type of insurance. This will allow you to find out who is offering the best deal. As long as the insurance companies check out regarding legitimacy, and having no complaints either on social media or through the Better Business Bureau, simply choose the one that offers the best monthly premiums.

Thinking about your death is not a fun or enviable topic, but it is one that every breadwinner should consider. This is true regarding providing your family with money after you are gone in the form of burial and term life insurance. Now that you know that burial insurance is specifically for the burial of your body, and term life insurance will be the money that your family will use in your absence, you should get multiple quotes today on these two absolutely essential forms of insurance that will be your way of helping your family after you have passed on.


Life Insurance For Diabetes Sufferers

There are a large number of people within the United States that suffer from the health condition known as diabetes. This is a difficult condition to deal with and can be potentially life threatening if it is not managed correctly. However, with diligence and the right course of treatment, a person who has diabetes can life a healthy and normal life. As long as you work to exercise, eat properly and take any medications that are prescribed for you, there is no reason why you cannot live happily day to day. However, there are a lot of life insurance providers that will often look away from working with diabetics who are looking for a policy.

diabetic life insuranceBecause diabetes can potentially be a life threatening condition, life insurance companies are reluctant to offer policies. Even if the person applying for life insurance coverage is healthy overall, the label of diabetes can often be an issue. In most cases, those people who have been diagnosed with diabetes will have to start to settle for some of the lesser policies that may be advertised on television. However, you can look for different types of insurance policies that will cover you, it is all a matter of shopping around to find the best overall deal and using websites that speciazle in life insurance for people with diabetes like THIS ONE. For the most part, demonstrating that you have your diabetes under control will be the best way to find a quality life insurance policy.

Finding the Best Rates on Diabetic Life Insurance

Of course, you are going to find a much better rate despite your diabetes if you are also a non-smoker and you do not partake in alcohol. You should also be able to demonstrate that you have the ability to successfully keep your diabetes under control and your blood sugar levels down. Visiting your doctor regularly for check ups will also show your drive to maintain your health. It is all of these things that can help you to get a great policy that will give you the added peace of mind that you deserve.


Logic Of Disability Insurance

It may be hard to picture yourself as disabled or injured to the point that you can no longer work or earn an income. From childhood we’re taught that everyone works and earns money to pay their bills. Few people think about the “what ifs” like injury or illness that can take away their ability to earn money and pay those bills. Since people don’t think about these “what ifs” they rarely plan for emergencies and find themselves woefully unprepared for any emergency.

Many don’t know that the chances of a permanent injury or illness are five times higher than being a victim in a house fire. While a fire is visible, ofttimes injuries and illnesses aren’t visible and people may suffer for many long years and others may never realize that they’re even suffering. In fact, few recognize such injuries or illnesses unless it’s happened to them, or someone that they love.

Disability insurance can bridge the gap between an injury or illness and the ability to bring in a pay check. If a disability lasts more than a month or so the medical costs may skyrocket and the person may find that they can’t afford to pay the doctors or hospitals that have treated them. After a time, cars are repossessed, homes are foreclosed upon or tenants are evicted from a rental. That is why it is important to protect your income, especially if you are a sole proprietor. They actually offer special disability insurance packages for professionals. For example, here you will find options for physician disability insurance.

It doesn’t have to be this way. A little bit of pre planning can prevent this from happening. However, many have their health insurance through their employers. Sadly, with the creation of Obamacare, a lot of employers have dropped health insurance programs. People are being forced to go into other health care programs and pay higher fees for the same coverages. Those on disabilities are suffering and now, they must buy directly from the insurance companies if they desire this sort of coverage.


Why do People Over 50 need Life Insurance?

You  may be thinking you don’t really need to have life insurance if you are over 50.  Many people think the same thing.  After all, unless you die it is completely useless.  If you do die, you won’t be around to benefit from it.  However, you may want to take another look at it.  When you die, what happens?  There is a funeral held for you, right?  Well, it’s a fact that funerals aren’t cheap.  Year after year they keep getting more expensive.  Someone will have to pay for your funeral.  Your loved ones will need to come up with the money unless you already have enough saved to cover the expenses.

You can easily avoid putting your loved ones through this potentially unpleasant situation by taking out a life insurance policy.  All of your funeral expenses can be covered by the insurance, and in certain situations it can cover permanent disability caused by severe illness or an accident.  Another issue for you to consider is that a funeral frequently follows a severe illness.  Therefore, if there are already big hospital bills that need to be paid on top of all the pain and sorrow your family is already going through, you can only imagine how much pain and stress this might cause.

Although your regular bills might at times be overwhelming to the point where you don’t think you can afford to buy over 50life insurance, you might be surprised at how cheap a policy can be.  Check things out for yourself.  You can contact a local area insurance agent or visit an online insurance website and request a free set of life insurance quotes for people over 50.  Usually life insurance policies are customized to an individual’s needs and finances.  So if you don’t make lots of money, then you won’t need a high coverage amount.  It is always possible to get a low cost policy with low coverage.  However, life insurance is often more affordable than you think.  Just keep in mind it can provide your family with much needed funds in the event anything bad happens to you.


Why do People Over 50 need Life Insurance?

You  may be thinking you don’t really need to have life insurance if you are over 50.  Many people think the same thing.  After all, unless you die it is completely useless.  If you do die, you won’t be around to benefit from it.  However, you may want to take another look at it.  When you die, what happens?  There is a funeral held for you, right?  Well, it’s a fact that funerals aren’t cheap.  Year after year they keep getting more expensive.  Someone will have to pay for your funeral.  Your loved ones will need to come up with the money unless you already have enough saved to cover the expenses.

You can easily avoid putting your loved ones through this potentially unpleasant situation by taking out a life insurance policy.  All of your funeral expenses can be covered by the insurance, and in certain situations it can cover permanent disability caused by severe illness or an accident.  Another issue for you to consider is that a funeral frequently follows a severe illness.  Therefore, if there are already big hospital bills that need to be paid on top of all the pain and sorrow your family is already going through, you can only imagine how much pain and stress this might cause.

Although your regular bills might at times be overwhelming to the point where you don’t think you can afford to buy over 50life insurance, you might be surprised at how cheap a policy can be.  Check things out for yourself.  You can contact a local area insurance agent or visit an online insurance website and request a free set of life insurance quotes for people over 50.  Usually life insurance policies are customized to an individual’s needs and finances.  So if you don’t make lots of money, then you won’t need a high coverage amount.  It is always possible to get a low cost policy with low coverage.  However, life insurance is often more affordable than you think.  Just keep in mind it can provide your family with much needed funds in the event anything bad happens to you.


Creating a Budget for Your Personal Finances

Creating a budget

We all know its benefits and yet we find ourselves just having enough in our pockets to cover for the remaining expenses before the next pay check comes.  Creating a budget for your personal finances does not mean depriving yourself of things that you enjoy in life.  When you create a budget, you try to understand how much you have available to spend and allocating the funds wisely.  When done properly, a budget can actually keep you on track financially.  Over time, a budget can help you identify cash flow problems that you didn’t know you had and help you allocate the funds to savings or to an even more lucrative investment.

It is important that you set aside a time to go over your personal finances with your spouse and create your budget jointly.  Once you have written down everything, you will be surprised at how much money you have left to save and this will make you wonder where it all goes when in fact you have covered all the important expense.  It may take some time to get used to but once you and the members of the family get the hang of it, you will all enjoy the rewards of the surplus of funds created by an effective budget program.

Tips of creating a budget for your personal finances

1. Identification of Income and Expense

Before deciding on how you should allocate your funds, your should identify how much disposable income the family has by combining the income that both you and your spouse make as well as other informal sources of income that you both may have.

List down all the expenses that you incur each month and before putting down what you actually spend on each, think of a figure that you would ideally want to allocate for each item.  Once you see the difference you can adjust to minimize the difference between the two.  Make your budget realistic and do not make yourself feel guilty over spending on leisure items.  Anyway, you deserve this reward once in a while for working very hard for your family.

There are online budget worksheets and forms that can guide you through the whole process in case you need some help.  This may see a very daunting task at first, but keeping in mind that this is ultimately for the benefit of the whole family will keep you on track and will help you maintain a personal budget religiously.

2. Allocation for savings

Being able to allocate for expenses will help you identify how much money you still have left to save for savings or other investments.  You and your spouse should agree on a figure that you are comfortable with that you will take away from what’s left of the income and commit to putting this in savings or investment each month.

But do not commit the mistake of waiting for all the expenses to be paid up before setting aside money for savings.  Make sure that you put aside the savings portion prior to paying the bills to make sure that you have this secure.  Most people fall into the trap of waiting until all the bills are paid and end up not saving anything.  The more money you have on hand, the more things you will find to spend it on.

3. Stay on Track

Creating a budget does not end with putting them all down on paper.  You and your spouse should both commit to sticking to the budget and keeping expenses to your desired figures.  Monitor your expenditures and try to stay on target.