Amerus Financial Group Blog

How to Master Senior Dental Insurance Selection in 2024 Here's a reality check: 70% of seniors either have no dental coverage or don't understand the coverage they actually have. After helping thousands of families navigate senior dental insurance decisions at Amerus Insurance Group, we've seen the same mistakes repeated over and over. The good news? You can avoid them with the right approach. What You'll Learn from This Guide By following this step-by-step process, you'll understand how to evaluate your current dental health needs, decode insurance policy language that trips up most seniors, and make informed decisions that could save you thousands of dollars annually. This isn't about finding the "best" plan - it's about finding the right plan for your specific situation. Before You Start: What You Need to Know Most seniors approach dental insurance backwards. They look at monthly premiums first, then wonder why they're stuck with su...

How The Millers Saved ,200 and Simplified Their Coverage: A Senior Auto Insurance Success Story Margaret Miller still remembers the frustration of juggling multiple insurance policies. At 68, she and her husband Robert thought they were being smart by shopping around for the best individual rates. What they discovered through their experience with Amerus Insurance Group was that their "smart" approach was actually costing them more than necessary. Many consumers, especially older adults, may find benefits in bundling insurance policies to potentially save money and simplify their coverage [1] . For instance, combining auto and home insurance can often lead to significant discounts [2] . Here's how a simple phone call transformed their insurance experience and taught them why auto insurance for seniors works best as part of a bigger financial picture. The Problem: Good Coverage, Bad Strategy Robert had been driving for over 50 years without a major claim. Ma...

How Group Dental Benefits Can Protect Families from Unexpected Costs When an unforeseen dental issue strikes, it can lead to significant financial strain for families. For instance, an emergency tooth extraction and subsequent orthodontic work can result in substantial expenses that many families are unprepared for. This highlights the critical role of comprehensive group dental benefits in supporting employees' financial well-being, a factor employers increasingly prioritize. [1] At Amerus Insurance Group , we understand how unexpected dental crises can impact families and workplaces. Stories like these underscore why flexible enrollment options are crucial for ensuring employees have access to necessary coverage when they need it most. The Impact of Uninsured Dental Emergencies Experiencing sudden severe dental pain can lead to an emergency room visit, often revealing an infected tooth requiring immediate oral surgery and subsequent treatments. Estimates for common denta...

Traditional vs. Tech-Driven Workers' Compensation Management: A Strategic Comparison Here's what most business owners get wrong about workers' compensation: they think it's just about buying coverage and filing claims when accidents happen. The reality is that how you manage workers' comp directly impacts whether your best employees stick around after an injury—or whether they become disengaged and eventually leave your company. At Amerus Insurance Group , we've worked with businesses that took wildly different approaches to workers' compensation management. The results were eye-opening. Companies that stayed stuck in reactive, traditional methods saw injured employees take 40% longer to return to work and had significantly higher turnover rates post-injury. Meanwhile, businesses that adopted tech-integrated, prevention-focused strategies built stronger teams and weathered economic downturns better. The Two Distinct Approaches to Workers' Com...