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Common individual disability claim questions

Posted December 31, 2014

Many of our California readers have individual disability insurance. Many others are thinking about buying this type of policy, as they realize it could come in handy if they are ever disabled and unable to work. While no two companies are the same when it comes to the process of filing a claim, the basics […]

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Why End-of-year Disability Claim Denials Are Common

Posted December 30, 2014

Did you just receive a letter from your insurance company denying your individual or long term disability benefits? Unfortunately, you’re not alone. The end of the year is a busy time for denied claims and there’s a reason why. It’s important to remember that insurance companies are, first and foremost, businesses. When your claim is […]

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Insurance company denies 96-year-old widow’s claim

Posted December 29, 2014

Many laypeople aren’t aware of many of the clauses and requirements in their long-term-care insurance policies. Insurance companies, however, know them all too well and will invoke them. The cost to policyholders can be huge and potentially financially ruinous. One such case involves a 96-year-old Nebraska widow and the long-term care insurance policy she and […]

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Holiday travel: insurance tips for a safe, worry-free trip

Posted December 26, 2014

Frank Darras appears on Health, Wealth and Happiness to discuss how to protect against common travel woes during a holiday trip.

The countless snags you could encounter with your travel plans can be expensive. There are numerous travel insurance options for everyone and every way we travel that can ease the worry those expenses bring.

There are additional ways to protect yourself from the stresses of travel, year-round, before you even leave home.

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Posted December 23, 2014

It is easy to believe that all insurance companies are similar in the way they do business. While this may be true as far as some details are concerned, it is not the case across the board. It is important to know the company you are dealing with when it comes time to make a […]

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What you don’t know about group disability insurance can hurt you

Posted December 21, 2014

The 2014 Consumer Disability Awareness Study, which was just published by the Council on Disability Awareness, shows some disturbingly-unrealistic beliefs among people when it comes to the need for disability insurance. There was a stark contrast between workers’ perceptions and reality that show why it has been referred to as the “forgotten insurance.” Shockingly, over […]

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Do we really have ‘mental health parity’ under ERISA?

Posted December 19, 2014

December 14 marked two-year anniversary of the Sandy Hook massacre in which 20 first grade students and six teachers were gunned a young mentally disturbed man. The television show “60 Minutes” took the opportunity to air a segment that night on the problem of insurance companies denying mental health care. The segment, called “Denied” discussed […]

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Earthquake Early Warning System Receives Funding, But It’s Still Important To Consider Earthquake Insurance, Top Insurance Lawyer Says

Posted December 16, 2014

Approximately 24 significant earthquakes, with a magnitude of greater than 3.0, occurred in the United States in 2014, according to information from the U.S. Geological Survey. Eleven of those earthquakes were in California. Fortunately, officials plan a debut of California’s earthquake early warning system to some schools, fire stations and private companies. After nearly a […]

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Group disability insurance and mental benefit limitations


There are many benefits of having group disability insurance, including the ability to make a claim if you find yourself physically or mentally disabled and unable to continue to perform your job as expected. Unfortunately, not all claims, especially those associated with mental health, are treated in the same manner by insurance companies. This can […]

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Don’t forget your long-term care insurance when filing your taxes

Posted December 11, 2014

As the end of the year approaches, it seems like good time to discuss the tax advantages of long-term care insurance. Both federal and state governments have implemented tax incentives for those who purchase LTC insurance to lessen the strain on Medicaid as baby boomers enter their senior years. Better still, the deductible limits are […]

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