Legal
Disclaimer
The short version: this is education, not advice, and you should confirm anything that matters with a licensed professional before you act on it.
Last updated 2026-09-01
Not professional advice
The content on Coverledger is provided for general informational and educational purposes only. It is not financial, investment, tax, legal, accounting or insurance advice, and it is not a recommendation to buy, sell or hold any product, security or policy.
We are not a registered investment adviser, broker-dealer, certified public accountant, attorney, or a licensed insurance producer acting on your behalf. Reading this site, subscribing to the newsletter or contacting us does not create an advisor-client, agent-client or attorney-client relationship.
Your situation is not the general case
U.S. tax rules, insurance regulation, policy wording, eligibility and consumer protections vary by state, by carrier, by plan year and by individual circumstance. A guide that is correct in general may be wrong for you. Before making a decision that affects your money, your coverage or your taxes, consult a professional licensed in your state and read your own policy or plan documents.
Accuracy and currency
We source figures to primary documents and re-check them on the schedule set out in the editorial policy. Even so, rules change, agencies issue corrections, and errors happen. Content is provided “as is” without warranty of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose. Always verify against the linked source before relying on a number.
No liability
To the fullest extent permitted by law, Coverledger and its contributors are not liable for any loss or damage, direct or indirect, arising from your use of, or reliance on, anything published here. You are responsible for your own financial and insurance decisions.
External links
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Questions
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