Claims & Disputes
A yearly insurance review across everything
One afternoon covering every policy, catching the gaps that open quietly as circumstances change.
Premium Policy Plans — Read the policy before you need it
Claims & Disputes
What we would tell someone buying their first policies
The principles that survive across every line of insurance, from three people who have spent careers on different sides of them.
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Claims & Disputes
Choosing an insurer, not just a price
The policy is a promise to pay in circumstances you cannot predict, and who makes the promise matters as much as what it costs.
Claims & Disputes
Small claims court and other routes when appeals fail
When internal appeals, external review and the regulator have not resolved it, several routes remain and they vary enormously in cost.
Disability & Income
Disability claim documentation over the long term
Long-term claims are reviewed repeatedly over years, and the file you build from the start determines how those reviews go.
Home & Property
Insurance when you work from home
Homeowners and renters policies exclude business activity, and a great many people are now conducting it in the covered dwelling.
Home & Property
Homeowners coverage: the annual check
Construction costs have moved, your contents have changed, and the limits set when you bought the house are almost certainly wrong now.
Health Insurance
All health insurance →
Health Insurance
Reading your health plan documents
Three documents describe your coverage, they say different things, and only one of them is the contract.
Health Insurance
Telehealth, and how it is covered
Coverage expanded substantially, then contracted in places, and the rules now differ by plan, by state and by type of service.
Health Insurance
Surprise billing protections and what they cover
Federal rules now limit balance billing in defined situations, and knowing which situations they are is the useful part.
Life Insurance
All life insurance →
Life Insurance
Reviewing your life insurance every few years
Coverage bought for one set of circumstances rarely matches the next, and the review takes an evening.
Life Insurance
Annuities, briefly and skeptically
Insurance products that convert capital into income, sold in a market with wide variation in cost and complexity.
Life Insurance
Replacing an existing life policy
Sometimes the right decision, frequently recommended by people who benefit from it, and always worth a written comparison.
Auto Insurance
All auto insurance →
Auto Insurance
The annual auto policy review
Twenty minutes with the declarations page, once a year, catching the coverage drift that nobody notices otherwise.
Auto Insurance
Non-renewal, cancellation and getting dropped
The difference between the two matters, the notice requirements are regulated, and there is more you can do about it than most people realise.
Auto Insurance
Rental cars, borrowed cars and who covers what
The counter agent asks whether you want the waiver, and the answer depends on coverage you have not read.
Home & Property
All home & property →Home & Property
Insurance when you work from home
Homeowners and renters policies exclude business activity, and a great many people are now conducting it in the covered dwelling.
Home & Property
Homeowners coverage: the annual check
Construction costs have moved, your contents have changed, and the limits set when you bought the house are almost certainly wrong now.
Home & Property
Valuables, collections and scheduling items
Standard policies cap certain categories at amounts far below what people own, and the fix is specific and inexpensive.
Disability & Income
All disability & income →Disability & Income
Disability claim documentation over the long term
Long-term claims are reviewed repeatedly over years, and the file you build from the start determines how those reviews go.
Disability & Income
Long-term care claims and why they get denied
A benefit claimed decades after purchase, frequently by someone no longer able to manage the process themselves.
Disability & Income
Coordinating disability, workers compensation and health coverage
Several systems may apply to one event, each with its own rules, and the interactions determine what you actually receive.
Claims & Disputes
All claims & disputes →
Claims & Disputes
What we would tell someone buying their first policies
The principles that survive across every line of insurance, from three people who have spent careers on different sides of them.
Claims & Disputes
A yearly insurance review across everything
One afternoon covering every policy, catching the gaps that open quietly as circumstances change.
Claims & Disputes
Choosing an insurer, not just a price
The policy is a promise to pay in circumstances you cannot predict, and who makes the promise matters as much as what it costs.
About Premium Policy Plans
Health, life, auto, home and disability insurance explained clause by clause — what is covered, what is excluded, and what a claim really involves. We publish explanatory articles rather than news, which means an article here is written to still be useful a year from now. Every piece is bylined, sourced and read by an editor before it appears — the full process is set out in our editorial policy.