{"id":134081,"date":"2026-05-12T21:23:03","date_gmt":"2026-05-12T21:23:03","guid":{"rendered":"https:\/\/christiancorner.us\/index.php\/2026\/05\/12\/understanding-ip-claims-answers-to-your-top-questions-2026\/"},"modified":"2026-05-12T21:24:42","modified_gmt":"2026-05-12T21:24:42","slug":"understanding-ip-claims-answers-to-your-top-questions-2026","status":"publish","type":"post","link":"https:\/\/christiancorner.us\/index.php\/2026\/05\/12\/understanding-ip-claims-answers-to-your-top-questions-2026\/","title":{"rendered":"Understanding IP Claims: Answers to Your Top Questions 2026"},"content":{"rendered":"<p>\n<\/p>\n<div>Note: This post below has been updated on May 12, 2026.<\/p>\n<p><strong>Making Sense of IP Claims Unanswered Questions: Your Top Questions Answered<\/strong><\/p>\n<ol>\n<li><strong>    If you are a relatively healthy person, in your mid-sixties, which integrated shield plan should a person choose? Should private, A ward or B1 ward suffice? What factors should be considered to decide cost efficiency of IP?<\/strong><\/li>\n<\/ol>\n<p>This is a fair question we often get. We have written 2 articles to explain our point of view. Our <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/havend.com\/should-you-switch-your-ip-rider-a-retirees-guide\/\">first article<\/a> Talks about the ideas in your IP plan. <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/havend.com\/the-opportunity-cost-of-overpaying-for-your-shield-plan-in-retirement-beyond-can-i-afford-it\/\">second article<\/a> Explains that affordability is not just about the ability to pay premiums, but also about the change in the quality of your retirement if premiums make up a large portion of your retirement income. We hope you find these articles useful! If you have any additional questions, do not hesitate to contact us via our email: communications@havend.com.<\/p>\n<ol start=\"2\">\n<li><strong>    When you make a claim, does it affect your IP premium in subsequent years?<\/strong><\/li>\n<\/ol>\n<p>&#8230;<\/p><\/div>\n<p><script async defer crossorigin=\"anonymous\" src=\"https:\/\/connect.facebook.net\/en_US\/sdk.js#xfbml=1&#038;version=v4.0\"><\/script><script async defer crossorigin=\"anonymous\" src=\"https:\/\/connect.facebook.net\/en_US\/sdk.js#xfbml=1&#038;version=v13.0\" nonce=\"3nfhalVK\"><\/script><script async defer crossorigin=\"anonymous\" src=\"https:\/\/connect.facebook.net\/en_GB\/sdk.js#xfbml=1&#038;version=v13.0\" nonce=\"blyG8KXs\"><\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Note: This post below has been updated on May 12, 2026. Making Sense of IP Claims Unanswered Questions: Your Top Questions Answered If you are a relatively healthy person, in your mid-sixties, which integrated shield plan should a person choose? Should private, A ward or B1 ward suffice? What factors should be considered to decide<\/p>\n","protected":false},"author":1,"featured_media":7126,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[59],"tags":[4850,319,3427,1268,740],"class_list":["post-134081","post","type-post","status-publish","format-standard","has-post-thumbnail","category-daily-bread","tag-answers","tag-claims","tag-questions","tag-top","tag-understanding"],"_links":{"self":[{"href":"https:\/\/christiancorner.us\/index.php\/wp-json\/wp\/v2\/posts\/134081","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/christiancorner.us\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/christiancorner.us\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/christiancorner.us\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/christiancorner.us\/index.php\/wp-json\/wp\/v2\/comments?post=134081"}],"version-history":[{"count":1,"href":"https:\/\/christiancorner.us\/index.php\/wp-json\/wp\/v2\/posts\/134081\/revisions"}],"predecessor-version":[{"id":134086,"href":"https:\/\/christiancorner.us\/index.php\/wp-json\/wp\/v2\/posts\/134081\/revisions\/134086"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/christiancorner.us\/index.php\/wp-json\/wp\/v2\/media\/7126"}],"wp:attachment":[{"href":"https:\/\/christiancorner.us\/index.php\/wp-json\/wp\/v2\/media?parent=134081"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/christiancorner.us\/index.php\/wp-json\/wp\/v2\/categories?post=134081"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/christiancorner.us\/index.php\/wp-json\/wp\/v2\/tags?post=134081"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}