Editorial Policy

Every guide is written from primary sources where they exist: state insurance department guidance, the U.S. Department of Veterans Affairs, the Social Security Administration, the IRS, and insurer policy documents. Figures that change, such as program limits, are checked at each update.

Each guide opens with a short answer that stands on its own, followed by the options that realistically apply. We avoid average rate charts because they mislead more than they help. A quote for your age, health and state is the only reliable price.

Guides show the date they were last updated. We update a guide when a rule, program or product it describes changes, not on a schedule for the sake of a new date.

Found an error? Email us and we'll review it.