How Much Does Health Insurance Usually Cost?
The average cost of health insurance is difficult to measure precisely. The mean cost in 2008 of insurance from an employer was $4,700 per annum for an individual, and $17,700 per annum for a family of four, according to Kaiser
It is normally agreed that cover purchased by the customer without either administration aid or through an employer’s collection health plan will cost considerably more. People in California who use COBRA will spend $380 per month on premiums, though this can be offset somewhat through subsidization.
According to the US survey government department 84% of US populace have well being care, and only 9% obtain it in confidence. The remainders are receiving cover through a company provided plan, or from side to side some form of subsidize administration program. The outstanding 16% of the land is uninsured. That gives you an idea of how much health insurance costs.
If it is unspoken that, for the average user, an autonomous single indemnity plan will cost greater than the $4,700 conventional for employer-provided health care in the Kaiser study, then it can be understood that privately obtained plans are likely to cost as much and more with the charge rising as age or other health complications are factored in. When you are examining health plans you can use the baseline of the mean expenses of plans provided by employers as a starting point.
Understanding the tenuous situation of today’s health care system, it is hard to predict what insurance will cost over any given time period.
The best option is to avail health-care from employer if provided, government-sponsored health care when you become eligible, low-priced COBRA like plans as makeshift if you cannot afford other insurance, and tap facilities at hospitals and clinics if you do not find ways to meet your health care needs otherwise.
This recommendation is however not the most trusting thing. It is, conversely, realistic: the present state of the wealth, the fluid state of the lawful issue of how the American Health Care system is going to be planned, and ever growing rise in health care costs makes any other advice careless.
Over 70 – Life Insurance – Is This for You?
If you are over 70, life insurance may be something you are considering.
Many of us reach our golden years and may not have saved as much as we would have liked. One thing you can do is provide the funds for your loved ones to pay the bills you leave behind.
In fact, the National Association of Funeral Directors estimates that the average funeral expenses are over $6,500. In addition, many of us have credit card bills and taxes due upon our passing.
When you’re over 70 life insurance can protect your family and provide the money needed to make sure your bills are paid. Also, life insurance can provide funds to help make your family’s life a little easier – to provide for them after you’re gone.
One option for life insurance for people over 70 is simplified issue life insurance.
Simplified issue life insurance offers you an easy online application. You answer a few health questions and find out within minutes usually, if you qualify for a policy.
Once you are qualified, you may be able to pay your first month’s premium online and begin your coverage the same day.
Several insurance companies offer you this type of policy; however, you want to make sure you choose a reputable carrier. Also, some of these policies offer graded benefits. This means you do not have full coverage until one or two years after you purchase the policy, in most cases.
Make sure you understand how the policy works before you choose a plan. Also, make sure you can afford the monthly premiums so you can continue the coverage once you start your policy.
Remember, life insurance is for those you leave behind. If it makes sense in your situation to buy life insurance, then it may be the right choice for you. If you have saved enough money to pay for all of your outstanding bills, your taxes and debt, you may not need life insurance at this time in your life.
Also, if you can’t afford it, don’t buy it. You may be throwing money away by starting a policy that you cancel in a month or two.
If you have any questions, call the insurance company direct and speak with a customer service representative to get all your questions answered before you buy a policy.
Whether you are on medication or not, you may be able to qualify for a life insurance policy that meets your needs and fits your budget. But, you’ll never know unless you take that next step, and apply for coverage.
Advantages of Electronic Health Record System
In our society today, computers are ubiquitous. They have been used to simplify our lives and make our work easier and more accurate. In order to be a part of this fast spreading technology the medical industry is on its way to do away with the pen and paper system and embrace computers to keep and track patient medical records, hence electronic health record.
When an individual goes to his or her doctor with a complaint the doctor will obtain information from the patient in an attempt to build a complete story of the origin and probable causes of the complaint. Information obtained from the patient will include the patients past and present medical history, laboratory results, previous medical conditions and medications prescribed, radiological images etc., all make up the patients medical records. This information when put in a digital format is known as the individual’s electronic health record.
The present administration has made it a priority to move ahead with centralizing and putting patients’ medical record in digital format. A huge chunk of the economic recovery stimulus package has been earmarked for this project. It is hoped that when all is said and done, electronic medical records, a better way to keep records than pen and paper will be the order of the day.
Just like any new approach to doing things, EHR (Electronic Health Records) has its advantages and disadvantages. The advantages of Electronic medical record keeping includes:-
Better documentation
Doctors are legendary for illegible hand writings leading to inaccurate data entry by a second or third party. With EHR this problem will mostly become a thing of the past.
Lower Cost
It is hoped that the use of EHR will reduce healthcare cost in the long run and promote evidence based care. As information is readily available, and easily and quickly referred to before proceeding with the best treatment option, resources will be saved as the patient’s sick period is reduced.
Better storage
Huge amounts of information can be stored in digital format taking up a minuscule amount of space thereby eliminating file storage problems that presently exists with the pen and paper system.
Easy retrieval of information
With information in a digital format it is fast and easy to retrieve information saving time and manpower. With patients medical records just a mouse click away, Individuals previously involved in locating and retrieving files will be redeployed to other positions.
Reduced malpractice insurance premiums
With the legible and accurate documentation an electronic health record system provides, insurance companies tend to reduce malpractice premium for institutions using EHR system. Also in cases of litigation the information trail is easy to follow and will make a difference in the outcome of a case if things were ambiguous.
Increased level of medical care
With the patients complete medical record a few clicks away, a physician has immediate access to the patient’s medical information allowing for a faster and better response to providing medical care.
Accurate record keeping
EHR makes it easy to keep accurate records of who has access to patient’s information, when it was accessed and by whom. And when alterations are made to a patients record you can find out who altered it and when.
How Much Does Lap Band Surgery Cost?
If you’re thinking about getting lap band surgery after trying and failing to lose weight for any reason, one of your first considerations will be to find out how much it will cost? Prices vary and this article will give you an idea of what the costs will be for this adjustable gastric banding surgery and what additional or associated costs to consider also.
The cost of lap band surgery depends first of all on whether you plan to have it done in the United States or whether you plan to travel to another country. But more so before you investigate you want to make sure you’re qualified for the lap band procedure because it’s not an elective surgery. The National Institutes of Health have certain guidelines that weight loss or bariatric surgeons use to determine whether you’re a qualified candidate or not.
Lap band surgery won’t even be considered if you aren’t 18 years of age or older or don’t have a Body Mass Index (BMI) between 40 and 60. The exception is if it’s 35 or greater with co-morbid, obesity-related or associated conditions such as sleep apnea, diabetes mellitus, infertility, metabolic syndrome or high cholesterol among others. The list includes many other diseases that are often associated with obesity.
You must also have made a significant effort to lose weight by weight loss programs that are supervised by physicians or other authorized weight loss programs over an extended period of time without achieving a sustainable weight loss.
So if you meet the NIH criteria and your doctor certifies you then your health insurance should cover it but if you don’t qualify you may have to pay for it yourself if you can get a bariatric surgeon, perhaps in Mexico or another country to agree to perform the surgery.
When determining the cost of the surgery you must consider all the other associated costs. These costs include lab tests, your surgeon’s fees and the hospital expenses. After surgery you’ll have follow up tests, doctor visits perhaps psychological support and food, diet and nutritional counseling.
If you have the surgery in the United States the cost of lap band surgery has been steadily going down over the past few years. Perhaps because more weight loss surgeons are performing it and there is more emphasis in the news and/or from increased competition from weight loss surgeons in Europe and Australia and countries such as Mexico, Brazil, India, and Canada. There may be more competition, making lap band surgery cheaper, in popular gastric banding cities like Houston, Chicago, and Dallas and in states such as Texas, Florida, Illinois, and California.
Cost of lap band surgery in the US can cost from $13,000 on up, not including any of the associated costs that you’ll have before or after surgery. It would be difficult to estimate all the costs you’ll have prior to surgery. Complications may occur following surgery that would drive the cost up also. If you have health insurance coverage this may be less of a concern.
Cost of lap band surgery can be as little as $8000 in Mexico and has been going down considerably in the past few years. But you must make sure that you add on all your travel costs – airfare and airfare for any return visits if necessary, hotel stays, rental cars, etc. The procedure itself is usually a one-night stay or less. The actual hospital costs will be less. Surgery outside the United States will probably not be covered by your health insurance company.
If you’re covered by your health insurance policy then it would be better and safer to have your lap band surgery in the United States. Plus if medical complications arise you will be better protected legally. If you’re not covered then make sure to weigh all the costs of the surgery – the costs to have gastric banding procedures in the US compared to Mexico for example, where your travel costs may be considerably less and you may be close to home or in Canada if it’s closer geographically to you. Many lap band procedures are done there as well. Canada has free health benefits that you may be eligible for.
In any case make sure to weigh all the pros and cons of the surgery as well as the cost of lap band surgery. Even though the lap bad can be removed (it’s reversible) you want to be aware of all the risks and side effects besides the weight loss benefits.
Vending Machine Business Start Up Costs
One of the great things about starting a vending machine business is that it is possible to do it with minimal startup costs. If you do have access to considerable funding though you could also choose to purchase existing routes or jump straight into your own more professional set up. Depending on how you want to kick off your venture into vending, getting started could set you back anywhere between a few thousand dollars and several hundred thousand dollars.
A vending machine business can be started on a really low budget so it is best to start off slowly and take on less risk. You can then invest more heavily once you start earning some profit and decide that vending is definitely a business that you want to be in.
When it comes to determining the amount of capital that is required to start a vending business you need to take more into account than just the costs that you will face up to the point where you start doing business. You also need to consider the operating expenses that you will have over the first six months while your profits are still low.
If you start out full time then you may also need to set aside funds to cover your living costs for a period of six to twelve months until your business becomes profitable.
Let’s take a closer look at some of the vending machine business startup costs that entrepreneurs in this industry typically face.
Vending Machines
The amount of startup funding needed will vary greatly depending on the kind of machines that you want to start off with.
One trick to starting off on a shoestring budget is to start with candy vending machines which can usually be bought very cheaply on online auction sites for around US$150 or less each. These machines are cheap, simple to operate and candy and gum balls offer a great profit margin for little effort. Buy them in lots of one, two or three at a time and slowly grow your business as you find suitable locations.
If you do want to start out with larger, electronic vending machine equipment that vends snacks and hot or cold beverages then you are looking at much larger startup costs. New machines for vending food or beverages range in price from around $2000 up to $6000 per unit. As an inexperienced operator you would be crazy to buy new machinery and would be much better off leasing some machines for a period while you test out a variety of locations. Buying quality second hand machines is also one way to lower your initial outlay.
Other startup costs associated with vending machines include, security locks, tools for a maintenance kit and extension cords.
Don’t forget to allow for machine parts and repairs if you are reliant on hiring a technician when the need arises.
Rent for Business Premises
Most operators start a home based vending business and therefore don’t have the overhead costs associated with leasing commercial premises. If you have a spare room for an office and some space in the garage for storing machines you should be fine. Otherwise you can look at renting storage space.
Office and Administration
Depending on what equipment you already have and the scope of your plans you will have to spend a certain amount on kitting out your home office. You will likely require a desk, filing cabinets, a PC, printer, Internet connection, phone connection, stationery and possibly other office equipment as well.
Vehicle Expenses
To service your route effectively you will need a suitable vehicle. Depending on the kind of machines that you operate you may not be able to get away with using your own car and you may have to consider leasing a vehicle. You may require a larger van or light truck for transporting machines and stock and you might even require a vehicle with a refrigeration compartment.
Professional Fees, Licenses and Permits
You will be applying for licenses and permits in order to set up a legal operation that is in compliance with local regulations. You may also require the services of an accountant, an attorney or other professionals during the process of setting up your vending business.
Stock
Don’t forget that most of the time the machines that you are likely to purchase are empty and you will therefore need to buy stock for them. This can represent a considerable startup cost at first as you will certainly be looking to buy your inventory in bulk in order to save money.
Marketing and Branding
In order to get started making money with vending machines you will need to secure your first few locations. The initial marketing of your vending business may require some spending on advertising. At a minimum you will want to get a logo designed and have a set of business cards made up. Your initial marketing efforts will most likely involve making phone calls and pounding the pavement and the major cost here will only be your time.
Other Startup Costs and Operating Expenses
You will also have to figure in other startup costs and operating expenses such as market research, insurance coverage, cell phone costs and possibly commissions.
Don’t forget to make an allowance for unforeseen expenses and price changes. Your forecasts may be inaccurate and prices often rise over time or end up being higher than you first anticipated.
What Are The Real Costs Of Selling A Home?
Experts estimate that most people who use a Realtor will pay as much as 10% of your selling price in costs associated with selling. The cost of selling a home yourself can range from 4% to 8% of the selling price of your home. When you’re estimating your expected gains, remember that the cost of selling a home can be deducted from that figure for tax purposes.
To give you an idea of what the costs of selling a home in the current market are, take a look at the information below. We’ve included estimated costs based on a $250,000 home sale, as well as some tips for lowering or eliminating them to lower your overall cost of selling your home.
Sales commission
If you list your home with a Realtor, expect to pay 4 to 6% of the sales price, or $8,000 to $12,000 in real estate commission.
Tip: Shop around. Real estate commissions aren’t written in stone. A Realtor may be willing to accept less of a commission in a slow market, or you may be able to save money by contracting with a Realtor for specific services only rather than a contracted listing.
250,000
-12,000
238,000
Closing Costs
Taxes, both transfer taxes and property taxes, and legal fees associated with the closing and finalizing of your home sale will be 2% to 4% of your sales price, or $4,000 to $8,000.
Tip: Check the laws in your state. If you’ve prepaid your property taxes for the year, you may get a credit instead of a bill. There may also be other refunds on prepaid escrow costs for home insurance and other costs of selling a home.
238,000
- 8,000
230,000
Paying Off Your Mortgage
Whatever the remaining principal balance is on your current mortgage will have to be paid off upon the sale of your home. Just to keep things simple, let’s say that you still owe $50,000 on your current mortgage. If there’s a prepayment penalty, you’ll need to deduct that from your eventual sales price as well.
Tip: Ask your lender to prepare a payoff statement for you to check your figures. If there is a fee charged for the service, you can deduct it as one of the costs of selling a home.
230,000
50,000
180,000
Repairs to Your Home
The cost varies widely depending on the age of your home and how well it’s been maintained. At the very least, you should get a home inspection to identify any possible problems to avoid being surprised by them at closing. You should plan on paying about $300 for a home inspection.
180,000
300
179,700
Pre-Sale Facelift
Again, the cost varies with the work that’s needed to get the house looking its best. Conservative estimate: $300 for new paint, screws and hardware, carpet for living room floor and landscaping service
179,700
400
179,300
Moving costs
The cost of moving from one home to another are included in the cost of selling a home. It may be as little as $1000 to as much as $12,000 for a cross country move. Let’s be conservative again – $3,000
179,300
3,000
176,300
Other relocation costs
You may need to replace appliances, pay off school transfer or gym fees, or pay storage for your furniture. There are many unexpected costs of selling a home which may amount to nothing, or add up to a good chunk of change.
Even without adding in other relocation costs, you can see how the cost of selling a home can reduce your final cash gain. The good news is that most of those costs are deductible on your taxes.
How is Depreciation Calculated in a Home Insurance Claim?
You may not be aware, but depreciation plays a very large role in the calculation of a home insurance claim. It is important for homeowners to be aware of who determines the calculations of depreciation and what method, exactly, is used in determining that rate of depreciation. With any home insurance policy, you should be aware of this information.
The entity responsible for determining the depreciation is ultimately the insurance company. Your insurance company will decide the amount of depreciation and will subtract that amount from the cost of your property. The rate will stand as they decide unless you challenge their calculations. Some homeowners do challenge their insurance companies when they make an insurance claim.
The way in which these rates are determined is through published depreciation tables. These tables list the useful life and depreciation of a wide variety of properties. Such depreciation tables can be accessed through your home insurance company or may even be found online. More often than not, home insurance adjusters and their claims departments; also have computer software that has the insurance depreciation tables factored in. Such software makes figuring depreciation very easy and almost error free. The insurance adjuster simply fills in the type of property, its condition and its age and the software figures the depreciation automatically.
One very dangerous, but frequent way that depreciation is calculated is when the insurance adjuster makes a guess. Often, insurance adjusters will make a guess based on their past experience. Sometimes, their guesses are correct but many times, they are not. If you think that your home insurance adjuster may be guessing at depreciation calculations when you file a claim, definitely do your homework.
Before making a home insurance claim, it is best to have a full understanding of what type of coverage you have. A standard home insurance plan will cover dwelling loss as well as contents (personal property) loss. It is very important to ensure that your home insurance plan also has coverage for the value of the contents of your home. If you do not have this coverage and experience a home loss, the insurance adjuster will depreciate every item in your home.
Recoverable depreciation is also worth understanding if you are going to make a home insurance claim. This type of depreciation will determine what conditions exist and how losses are settled. In most cases, the home insurance company will pay you the actual monetary value of the damaged or lost property until repair or replacements are completed. If depreciation is not calculated properly, you could stand to lose thousands.
In order to successfully file a home insurance claim and ensure that your depreciation is calculated accurately you must be informed. You should always require that your insurance adjuster provide copies of the exact depreciation tables that they use. When your claim is filed, if you find that the tables and actual estimate do not match, you can refuse the claim and demand that the claim be re-estimated.
10 Pay Life Insurance At A Glance
The 10 pay life insurance policy is getting more and more popular every day. What is a 10 pay life insurance policy anyway? How does this type of life insurance work?…
Ten payment life insurance is a whole life policy in which all the premiums would be required to be paid in 10 years. This is what is sometimes referred to as a limited payment life insurance policy…in this case premiums are limited for 10 years.
Advantages
One of the advantages of owning this type of insurance is that you pay for 10 years and never have to pay another premium. The policy remains in force. The death benefit remains level for the duration of the policy is paid to your beneficiary when you die. This can be paid in one lump sum or in the form of a monthly income. Some people don’t like to think about paying premiums and as a result they may find the 10 pay life insurance policy to their liking.
Disadvantages
As you may appreciate the premiums for this policy can be pretty high. What the insurance company is doing in this case is packing premiums in 10 years that would normally be paid each and every year for as long as you live. If you, however, are fortunate enough to buy your 10 pay life insurance policy from a company that very efficiently keep their costs down while at the same time show a good return on investment you would receive what is called a dividend which among other options can be used to reduce your premiums. Dividends are not guaranteed. All in all it could work out pretty well for you.
Policy Riders
Like most life insurance policies you may add certain riders to your policy. You could add the waiver of premium rider to your 10 pay life insurance policy. If you should become disabled the life insurance company will waive your premiums for as long as your disability lasts. You must be disabled for at least 6 months to qualify for payment with most companies…and you don’t owe the life insurance anything for the premiums they waived during your disability. Whenever you go back to work you would pick up your premium payments again.
Most life insurance companies also offer the accidental death benefit rider. If you add this rider to your 10 pay life insurance policy and you should die in an accident the life insurance company will pay twice the basic death benefit to your beneficiary.
Brazil Ranks Near Lowest Cost of Living In The World
Brazil is the largest country in South America and offers broad opportunities for travel and a range of living opportunities you would expect from such a large and diverse country. There are the jungles of the Amazon rain forests, the high plains of the pampas around Brazilia, and of course the world famous beaches, plus much more. The range of landscapes is enormous. Brazilians are world-famous for their hospitality and friendliness, and welcome foreigners unhesitatingly. Rio de Janero is well known for its beaches, partying, nightlife, and the biggest party in the world, Carnival.
Brazil is fun, interesting, and warmly welcomes everyone. So you might expect it to be an expensive place to live. It is not. Sao Paulo and Rio de Janeiro in Brazil are among the cheapest cities in the world to live in, according to a study by the British consultancy firm Economist Intelligence Unit (EIU).
It is often said in Brazil: “You either have a housekeeper or you are a housekeeper.” Even middle-class working families usually have a maid or housekeeper in Brazil.
You can retire in Brazil. There is a retirement visa available, but to qualify for it you must have proof of an income of at least $2000 per month (plus an additional amount for dependents). There is also an investment category, as well as other ways to become a permanent resident in Brazil.
Permanent residents of Brazil may apply for Brazilian passports and can also keep their current citizenships and passports too. It is perfectly legal and common to do so. There can be some benefit to holding a Brazilian passport. Sometimes citizens of the USA are targeted by terrorists when traveling overseas. Brazilians are not targeted.
Health care is a high priority for retirees. Health care in Brazil is very good. The poorer people depend entirely on the free national health care system. It is not necessary to be a citizen of Brazil to use the national health care system. Any person who is legally in the country is welcome to use the national health care system. The national health care system does a good job of providing all health care needs at no cost to the patients. National health care patients pay nothing at all for doctors’ fees, lab fees, hospitalization, surgery, and even prescription drugs are free.
Brazil’s national health care system is toughly equal to the caliber and operational style of the V.A. hospital system in the USA. There are some drawbacks to this system. You will not receive the very highest possible quality of health care in the national health care system. There is a trade-off. If you want completely free health care, including all your prescription drugs, Brazil’s national health care system is very good. Free health care is a good safety net. If you want the very highest possible quality of health care, then you must pay. The more affluent Brazilians favor two different private market providers for health care, much like Blue Cross & Blue Shield.
The first private market medical provider is UniMed , which is owned and operated by doctors. They have their own hospitals and clinics throughout Brazil, they use a referral type system whereas you have a primary doctor and he refers you when needed to a specialist for any special treatments. A plan for a family of three costs about R$600.00 per month (less than $300 USD). I would recommend UniMed if you demand the highest quality healthcare. Personally, I prefer the completely free national health care system, but to each their own.
The second private market medical provider is Banco Bradesco , which is a major financial institution in Brazil offering health insurance and directly employing a substantial and high caliber medical staff. The difference with this type of policy is they only have private clinics and have to buy the hospital stay coverage from someone like UniMed. Costs are also higher. A comprehensive health insurance policy for a family of three runs in neighborhood of R$1,000.00 ($500 USD) per month.
The bottom line is you can get more for your money in Brazil than almost anywhere else on earth. You can enjoy a higher standard of living for your money.
Insurance Adjuster – How Much Money Does a Claims Adjuster Make?
How much insurance claims adjusters can make per annum is the subject of considerable interest and speculation to those interested in a career in claims. As unstable weather continues into the fall, and the Atlantic hurricane season reaches its stride, its important to correctly understand the financial landscape of the adjuster industry.
Some folks have heard from their girlfriend’s brother or an estranged uncle that claims adjusting is a money tree. The money tree sits there blooming Benjamins, apparently just waiting happily to be plucked by any newcomer with the inside scoop. And as an added bonus, you really don’t have to do work. The opposite extreme is my own previous misconception of the monetary compensation for claims adjusters which is that they made next to nothing and it was essentially a dead end job. This is as far from the truth as the money tree concept but, I would hazard to guess, a much more prevalent misunderstanding.
So how much money does an insurance adjuster really make?
According to the U.S. Department of Labor, claims adjusters earned an average of $44,220 in 2004. The top ten percent earned more than $72,620. The bottom ten percent earned less than $27,220. This seems like a fairly significant disparity. What type of adjuster is at the bottom and what type at the top?
The answer to this question depends largely upon the type of claims adjuster you are referring to. In general, there are two types of adjusters: staff adjusters who are salaried employees of an insurance carrier, and independent adjusters who are independent contractors working for adjusting firms. This initial difference will make as much of a difference in pay structure as the type of claims actually handled – from worker’s compensation to multi-million dollar commercial properties.
Staff adjusters are typically going to be earning less than independent adjusters and in some cases dramatically less. $25,000-$60,000 is a reasonable salary range for a career staff claim adjuster.
An independent adjuster in a good year, however, especially if he or she works catastrophe claims, can make well in excess of $100,000.
Staff adjusters can make a good stable living. For independent adjusters, the opportunity can be a little more interesting and, I think, exciting. Independent adjusters working catastrophe claims make essentially a percentage of the amount of each claim they settle. This system of payment is known as a fee schedule and is formulated differently for each insurance carrier represented and storm situation confronted. For example, an independent adjuster handling hurricane claims may receive a fee schedule that pays $500 for claims between $3,000 to $5,000, $650 for claims between $5,000 and $7,500, and $750 for claims between $7,500 and $10,000. An adjuster will receive between 60-70% with the other 30-40% going to the adjusting firm they work for. Hurricane adjusters can easily average $10,000 settlement per claim and thus average between $400 and $500 dollars in their pocket per claim. A good adjuster should be closing 2 to 4 claims per day with superb adjuster closing 4 to 7.
Making over $1,000 a day as an independent adjuster working catastrophe claims is common and very attainable. In this way, a good independent adjuster can surpass six figures income in less than six months.
So, is this the money tree after all? Well, not so fast. Remember that catastrophes, especially catastrophes sufficient to employ significant numbers of adjusters, are relatively few and far between. During “dry” spells for independent adjusters, work can be scarce and competition fierce for the claims that do come along. That said, there is a tremendous and exciting opportunity for very real, very lucrative money when disaster does strike.
Whether its operating on staff or as independent contractor, claims adjusting offers potential for solid and, in some cases, spectacular income.