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January 2017 Archives

Your source for the latest health, disability and insurance news and tips.

Hosting a Super Bowl party? Know the X's and O's of your homeowners' policy

We are now less than a week away from the day of the year that legions of sports fans greet with equal parts excitement and sadness, Super Bowl Sunday. Here, the excitement comes from watching the two teams left standing -- the New England Patriots and the Atlanta Falcons -- battle for the coveted title of world champion, while the sadness comes from the fact that professional football will once again disappear from television screens for six months after the final whistle blows.


Last week, our blog discussed how the Department of Labor, the agency tasked with enforcing the Employee Retirement Income Security Act of 1974, recently published a final rule that will introduce new provisions designed to enhance the procedural protections and consumer safeguards offered under Section 503 of this landmark law.

New rule gives workers seeking benefits under ERISA-covered disability plans greater protection

Private-sector employees who submit claims for benefits under their workplace disability insurance plan can derive much-needed comfort from the fact that they are covered by the Employee Retirement Income Security Act of 1974 -- or ERISA -- the groundbreaking federal law that essentially safeguards disability benefits and establishes standards for plan administrators.

How your driving record may be affecting more than just your car insurance

Those individuals with a somewhat checkered driving record are all too aware of how the mistakes of the past -- accidents, speeding violations, DUIs -- can come back to haunt them when it comes to car insurance. Indeed, the unfortunate reality is that their momentary lapse in judgment behind the wheel more often than not results in a lifetime of elevated premiums.

Do filial responsibility laws make you responsible for a parent's final long-term care bill? - II

Yesterday, we discussed how many adult children with an elderly parent receiving some form of long-term care naturally assume that any balance for these services following their death will either pass with them or be covered by insurance in one form or another.  

Do filial responsibility laws make you responsible for a parent's final long-term care bill?

As difficult as it can be face the reality that an elderly parent is no longer able to thrive on their own and that long-term care may become a necessity sooner than later, adult children in this situation can nevertheless draw some comfort from the fact that the quality of nursing home and assisted living care has improved dramatically over the last few decades.