Post-traumatic stress disorder (PTSD) can be considered a disability when it impacts your ability to work. As such, you may be entitled to benefits in California. To claim them, it’s very important to document your symptoms, some of which could include the following: 1. Intrusive memories. You may have dreams or flashbacks that recreate the […]
In our last episode, we began to examine the numerous insurance options available to you. However, there are even more options to consider when reviewing your insurance policies in the new year. Here is the second part of the ABCs of Insurance.
No one relishes the idea of taking time out from their holiday festivities to talk to their parents or siblings about what will happen when they die or become unable to care for themselves. However, this is often the only time when everyone is together to have these conversations in person. These conversations should be […]
At some point, you may find that you need some type of care that your family cannot provide. If this happens, it is nice to have a long-term care insurance policy that can pay for some or all of the expenses. It is easy to put off this purchase indefinitely. This is particularly true if […]
If your employer offers long-term disability insurance as part of your benefits package, you’re more fortunate than a lot of workers. Businesses are always looking for ways to cut expenses wherever they can, and some opt not to offer these plans. However, it’s important to be aware that companies that do provide LTD policies are […]
Working people across the country rely on their 401(k) and other employee-sponsored retirement plans for at least part of the savings that they’ll need to after they retire. The Employee Retirement Income Security Act of 1974 was signed into law in part to regulate how these plans are managed. ERISA regulations help protect employee funds […]
When it comes to insurance, there are two basic definitions of “bad faith” depending on whether you are speaking of the first party insurance or the third party insurance. For the first-party insurance, bad faith is defined as the refusal to pay a claim without properly investigating the claim in a timely manner or without […]
As we prepare for 2016, many of us will forget to do one very important task: review our insurance needs. While many Americans may remember to review their health insurance plans, other options will not receive a second thought.
“[T]he majority of dental hygienists are like slow motion train wrecks; their bodies are ready to derail without much provocation.” – Anne Nugent Guignon, RDH, MPH Unlike the job of a police officer or a roughneck on an oil rig, the job of a dental professional doesn’t seem very risky, does it? But that’s not […]
The latest drugs available for Hepatitis C have some very high cure rates. Unfortunately, the cost of these drugs is very high, too. It’s also one that some healthcare insurers are not willing to pay. In four states, a recent study found that about 16 percent of patients who submitted a prescription for Solvaldi or […]