Single Parents Should Consider Health Insurance Benefits

State-funded insurance benefits for unemployed individuals run the gamut from medical benefits to educational assistance. Among all those who might be in need of insurance assistance, the most under-served and statistically-proportioned group would be the group defined as “orphaned”. According to the Kaiser Family Foundation, this group comprised of individuals who fall under two categories: those who have never worked in a job that pays, and those who are retired or disabled. As a side note, the definition of a “qualified person” used by the organization does not conform to the wording utilized by Congress, so it is probably best to consult the documentation provided by your local Insurance Commissioner to ensure that you and your family will be able to access any available State-funded insurance programs.

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Regarding educational assistance, both parents and children may qualify for state insurance benefits based on the number of standard hours they have attended, and/or their percentage of total family income. Another possible option to consider, according to the same source, is the extension of State child care assistance. One of the most significant challenges facing single parents today is the cost of raising children, especially in light of the high costs associated with a college education. If you fall under this particular bracket, then you might want to look into obtaining child care assistance, which should be covered by your State’s standard child care assistance plan.

Those individuals who hold jobs in areas prone to elevated crime rates could also benefit from having their employers offer some type of health insurance coverage. If you’re employed in an industry that has a higher than average incidence of employee theft, vandalism, or employee injury, then your company’s insurance benefits package could include coverage against these unfortunate events. Unfortunately, many employers these days refuse to offer any type of employee benefits, claiming that it would be too expensive to do so. The fact is, though, that many employers actually provide very little in the way of benefits to their employees. Again, this could change if you take the time to check into your employer’s health care benefits and look for a better, more financially viable alternative to standard coverage that would suit your needs as well as those of your family.