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Common Cents@Your Library and Smart Investing@Your Library: Insurance

Common Cents@Your Library is a financial literacy information resource program provided by the Saratoga Springs Public Library. This GUIDE supports this program and is made possible by a grant from the FINRA Investor Education Foundation and the ALA.


  • New York State Department of Financial Services: This Web site has information and forms related to health, life, and property insurance and insurance fraud topics.
  • Insurance Information Institute: This Web site has information about a variety of insurance topics including how to make a claim and flood insurance.
  • New York State Worker’s Compensation Board: This Web site explains worker’s compensation insurance and the process for filing a claim after an injury on the job.
  • New York State Disability Insurance:  This Web site explains temporary cash benefits for eligible wage earners disabled by an off-the-job injury or illness.
  • Social Security Disability Insurance:  This Web site provides information about qualifications to receive Social Security disability and how to apply for it.
  • Life Insurance Needs Calculator: This online calculator helps people determine how much life insurance they need based on personal variables.
  • Evaluate Life Insurance (Consumer Federation of America):  This Web site describes a resource for evaluating the rate of return on a cash value life insurance policy.
  • Consumer Guide to Automobile Insurance (NY Department of Financial Services): 
    This Web site contains the content of a publication about auto insurance.
  • Car Insurance in New York (    This Web site explains the liability insurance requirements for New York state residents.
  • Medicare Web Site (Centers for Medicare and Medicaid Services):  This is the official U.S. government Medicare Web site and includes links for information and online search tools.
  • Medicaid Web Site:  This Web site describes features of Medicaid, eligibility requirements, and how to sign up for benefits. 
  • Medicaid in New York State (New York State Department of Health):  This Web site is a one-stop resource for questions about the Medicaid program administered by New York State. 
  • (U.S. Department of Health and Human Services):  This Web site provides information on a wide variety of health finance issues including insurance and health care laws. 
  • New York State Health Insurance Programs:  This is a one-stop source of information about New York health insurance programs such as Child Health Plus (a health insurance program for income-eligible children) and the Age 29 Dependent Coverage Extension. 
  • U.S. Department of Health and Human Services:    The official HHS Department Web site includes information about its programs, current events, and health topics. 
  • Long Term Care (LTC) Information (Department of Health and Human Services):  This Web site discusses types of long-term care services, how much they cost, and how to plan ahead for LTC needs. 
  • National Association of Insurance Commissioners:  This Web site discusses insurance topics from the perspective of the unique needs and concerns of military families. 
  • U.S. Department of Veterans Affairs (VA):    This is the VA Department home page and includes information about a variety of programs for military veterans.
  • Glossary of Insurance Terms (A.M. Best):   This Web site provides an easily searchable comprehensive glossary of insurance terms.
  • Best’s Credit Ratings (A.M. Best Company):   This Web site provides information about how A.M. Best rates the financial strength of insurance companies.