2015+Insurance+-+Health+Life+and+Disability

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__**INSURANCE SIMULATION**__
 * [|Reading material]
 * [|Worksheet]

=__ HEALTH INSURANCE __=


 * __Monday, January 12 - Tuesday, January 13:__**

[|Health Insurance - The Basics PPT] [| What It Costs to Get Well] [|Health Insurance - Supplementary and Transitional Plans PPT]

//**Assignment:**// Watch[| "Hattie: Life Goes On"] Answer these questions using a Google Doc. Place in your class folder which is shared with me. Use an appropriate title for your work. 1. How do you think Hattie's life would be different if her family hadn't had health insurance? 2. Besides financial support, what else did health insurance give Hattie and her family?

Read [|"Health Insurance for College Students"]. Summarize the article as we will discuss in class.

__**Wednesday, January 14:**__

[|Health Insurance - Types of Plans PPT]

[|Health Insurance True/False] [|Group Health Insurance True/False]

//**Assignment:**// Disability Insurance

Think about it. What would happen if suddenly, due to an illness or accident, you were unable to work? Without your paycheck, how long would you be able to make your mortgage or rent payment, buy groceries or pay your credit card bills without feeling the pinch? **That’s where disability insurance comes in**. Think of it as insurance for your paycheck. It ensures that if you are unable to work because of illness or injury, you will continue to receive an income and make ends meet until you’re able to return to work.

//Using the following websites, answer the following questions on a Google Doc.// ==**[|Disability Insurance]Disability Insurance -- [|Iowa Disability Insurance] -- [|FAQs]**== 1. Who needs disability insurance? 2. Why is disability insurance needed? 3. How do disability insurance and workers compensation differ? 4. When do disability payments begin? 5. When do disability payments end?

__**Friday, January 16:**__

[|Disability Insurance]

[|Life Insurance]

Each of you will research the reasons given by the company to purchase life insurance, the types of insurance offered, and the cost of each type when requesting the same amount of coverage. Use these companies for your comparisons: **[|Metlife]**, **[|StateFarm]**, **[|Prudential]** and **[|AllState]**. Create a table or another form of graphic organizer to record your findings. Place in your class folder.

//**Assignment:**// [|Taking Care of Business worksheet]

//**Assignment:**// //Talk with parent regarding which types of insurance the family has: health, disability, and life. Record responses on a Google Doc and place in class folder.// 1. Type of policy: HMO, PPO, COBRA, Medicaid, Medicare 2. Is the policy through an employer - group health insurance? 3. If they had no other option, would they buy health insurance through The Affordable Health Care Act or would they buy an individual health care plan? 1. Does the employer provide disability insurance? If not, does the parent have an individual disability insurance policy? Why or why not? 1. Does the parent have an individual life insurance policy and which type: term life or cash value life? If they do have life insurance, why did they feel it is important to have? If not, why? 2. Which is more important to have: life insurance, disability insurance, or both? Explain your answer.
 * **Health Insurance:**
 * **Disability Insurance:**
 * **Life Insurance:**