Ben Affleck spent Father’s Day with his ex-wife.
Jennifer Garner was spotted heading to her ex’s house on Sunday while dressed in a grey V-neck sweater, white T-shirt, blue jeans, and periwinkle colored sneakers.
The 52-year-old actress accessorized her look with a pair of black sunglasses as she held onto a can of Waterloo Sparkling water.
After the “Alias” star’s visit with her ex, she was driven home by him.
Affleck’s current wife, Jennifer Lopez, wasn’t spotted in any of the photos, but on the very same day, she posted a tribute to him on Instagram, calling him a “hero.”
The “Hustlers” star shared a photo of Affleck from his 2001 movie “Pearl Harbor” to her Instagram Stories as she praised him on Father’s Day.
“Our hero,” she wrote with a white heart emoji. “Happy Father’s Day,” she added.
Lopez and Affleck don’t share any children together, but they do have kids from each of their previous marriages.
The “Waiting For Tonight” singer shares twins Max and Emme, 16, with ex-husband Marc Anthony, while Affleck and Garner share three children together: Violet, Seraphina and Samuel.
The former “Gigli” co-stars tied the knot in 2022, nearly two decades after their first failed engagement. Lately, however, they’ve been at the center of split rumors.
Lopez’s Instagram tribute comes one day after it was reported that she feels she “can do no more” to save her and Affleck’s failing marriage.
“Jenny has had enough and she really tried but she can do no more, it’s not getting any better, it’s worse,” a source reportedly told the Daily Mail Saturday.
The “Atlas” star is said to be “trying to make the best” of her time by putting her kids first. The source said she also wants to revive her recently canceled tour in 2025.
“She is excited about going on tour next year when her personal life is on calmer ground and she can connect with her fans. She will take her tribe with her and make the most of it,” the insider said.
Interestingly, Lopez was spotted spending time with Affleck on Saturday.
They were pictured returning to his Brentwood rental house after they spent a few hours at their $60 million Bel Air mansion earlier in the morning.
Lopez was then spotted leaving Affleck’s rental house later that day.
The singer has remained in the Beverly Hills mansion they’re now selling while Affleck has been residing in his rental. They reportedly “see each other every few days” just as they did last week.
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Source: New York Post
Understanding Deductibles in Insurance
What is a Deductible?
A deductible is the amount of money a policyholder must pay out-of-pocket before an insurance company begins to cover the remaining costs. Deductibles are a fundamental component of most insurance policies, including health, auto, home, and business insurance.
How Do Deductibles Work?
When you file a claim, you are responsible for paying the deductible amount. Only after this amount is paid will the insurance company pay for the covered expenses exceeding the deductible. For example, if you have a $1,000 deductible on your car insurance and incur $3,000 in damages from an accident, you would pay the first $1,000, and the insurance company would cover the remaining $2,000.
Types of Deductibles
- Fixed Dollar Deductible: This is a specific amount you must pay each time you file a claim. It’s common in health and auto insurance policies.
- Percentage Deductible: In some cases, particularly with homeowners insurance, the deductible might be a percentage of the insured value. For instance, if your home is insured for $200,000 and you have a 2% deductible, your out-of-pocket cost would be $4,000 before insurance covers the rest.
- Per-Claim vs. Annual Deductible:
- Per-Claim Deductible: You pay the deductible every time you file a claim.
- Annual Deductible: Common in health insurance, this deductible resets each year. You pay out-of-pocket until your total expenses reach the deductible amount for the year.
Why Do Deductibles Exist?
- Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
- Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
- Shared Responsibility: Deductibles ensure that policyholders share in the financial responsibility of their care or damages, promoting cautious behavior and maintenance of insured assets.
Choosing the Right Deductible
When selecting an insurance policy, choosing the right deductible is crucial. Here are some considerations:
- Financial Ability: Assess your ability to pay the deductible in case of a claim. A higher deductible can lower your premium but may be challenging to pay if an incident occurs.
- Risk Tolerance: Determine how much risk you are comfortable assuming. If you prefer lower out-of-pocket costs during an emergency, a lower deductible might be preferable, albeit with a higher premium.
- Frequency of Claims: Consider how often you might need to file a claim. If you anticipate frequent claims, a lower deductible might be more cost-effective over time.
Impact on Premiums
The relationship between deductibles and premiums is inverse. Generally, the higher the deductible, the lower the premium, and vice versa. This trade-off allows policyholders to customize their insurance based on their financial situation and risk appetite.
Conclusion
Deductibles are a key feature of insurance policies that influence both the cost of premiums and the financial burden on policyholders when filing claims. Understanding how deductibles work and carefully selecting an appropriate deductible can help balance cost savings with financial protection, ensuring optimal insurance coverage tailored to individual needs and circumstances.
