Point-of-Service (POS) plans are one of the many health insurance options available to you and your family. A unique type of health plan, POS plans can be considered a hybrid of HMO and PPO plans. POS plans contain some characteristics of each of these, which some people may find advantageous. Below is a rundown of the advantages and disadvantages of a POS plan compared to other plans.
Advantages of a POS Plan
If you are happy with the doctors that are in your network and do not mind having one primary 公司 註冊 證 care provider that you must go through to receive coverage, then a POS plan may be ideal for you. Often a PCP or the specialists he or she refers you to can cover all common medical needs. However, if you have unique medical conditions that will require you to frequently visit doctors outside of the POS network, you may be better off finding a plan that covers you with those doctors instead.
The greater choice and freedom of doctors, lower co-payments, and zero deductible for in-network physicians make the POS an attractive option that you may want to consider. For more information on POS health insurance plans and other options that are available to you, please visit the website of Texas health insurance company Option 1 Health here.
Can disabled people get an early retirement pension? To be healthy and then suffer a disability that keeps you from doing everything you used to can break your heart and break your spirit. But most people to whom this unfortunate thing happens cannot afford to wallow in self-pity - there will be hospital bills to worry about, and then, the question: can disabled people get an early retirement pension?
To answer the question, "Can disabled people get an early retirement pension?" you have to take into account certain factors. The first is how long the person has worked in the organization. This can differ according to the state the person worked in and according to the company. The maximum limit that can be set on this is five hundred hours in the twenty four months prior to the date of disability or one thousand five hundred hours in the sixty months prior to the date of the disability.
There are some other factors that need to be considered while answering the question, "Can disabled people get an early retirement pension?" One is the extent of the disability. A person can only get an early retirement pension if he or she is completely and permanently disabled, with a mental or a physical impairment that keeps him or her from doing any kind of work in any employment. This has to be certified by the Social Security Organization. It must also certify that the person is not expected to recover and become employable.
So can disabled people get an early retirement pension if they can no longer function in the position they used to fill, but they are no eligible for social security disability benefits, because there still are some kinds of work that they can perform? Well, this is a question to which the answer, again, differs from state to state and from organization to organization. Some organizations, if the person fulfills the necessary stipulations, declares the person eligible for early retirement pension. Some others do not.
Once the person is declared eligible for the early retirement pension, he or she will be eligible to be paid the same amount that he or she would have been paid if he or she had retired at the normal retirement age - other early retirement stipulations do not apply.
However, if at any point the person stops being eligible for social security disability benefits, the person will stop receiving the pension.