Retirement on the horizon? 5 questions you should ask about health insurance

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Retirement equals lots of exciting plans for many people — as well as worry about transitions, finances and healthcare. What are the options for health insurance for retirees? These insights help you learn more as you start planning. Waking up on your own time clock. Hitting the gym after rush hour has passed. Meeting friends for lunch. If you're getting close to retirement, the good stuff is easy to understand. More complex: figuring out health insurance . Here's what to think about first. 1. When should I start exploring my options? You can enroll in Medicare three months before your 65th birthday month, but give yourself time to learn what the program offers, says Rebecca Kinney, acting director of the Office of Healthcare Information and Counseling for the Administration for Community Living with the U.S. Department of Health & Human Services. Her advice: Dive in six months before your 65th birthday. You'll have a seven-month window to sign up, "but prices chan

Reporting a boating accident in USA

Know the ins and outs of what to do in case of an accident.

Proper boat safety starts with you, the boat owner. You might consider taking a boating safety course so you know what to do in an emergency. Knowing how to trailer your boat is also a must as you need to change the way you drive with a boat behind you. And of course, always ask yourself if you have the right insurance coverage for your boat. You don't want any surprises if you're involved in an accident

On the water, accidents can happen to even cautious, well-trained boaters. If you're involved in a boating accident, it's important to know the requirements for reporting it to the proper authorities.

Boat accident reporting requirements

After an accident, U.S. federal regulations (33 CFR 173.55) require the operator of any vessel that is numbered or used for recreational purposes (in this case, a boat) to submit an accident report. Individual states may have their own requirements for reporting accidents, but, in general, you must report an accident when:

-A person dies.

-A person is injured and requires medical treatment beyond first-aid.

-A person disappears from the boat under circumstances that indicate death or injury.

-Damage to the boat and other property totals more than $2,000, or there is a complete loss of the vessel.

Who should report the boating accident?

The boat operator must submit the report to authorities in the state or U.S. territory where the accident happened. If the operator is unable to, then the boat owner must submit the report.

Reports should be made within 48 hours of the accident if a person is killed, injured or missing. If only the boat or property was damaged, you have up to 10 days to report the accident. After reporting the boating accident to the authorities, contact your State Farm agent. You can also start, then track, an existing claim online. And check out more boating safety, insurance and maintenance articles.

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