Year: 2015
How can a disability insurance policy protect your income?
Posted March 11, 2015
We insure all kinds of things, from our homes to our cars to our life. However, many people don’t insure one of their most important assets — their income. That’s what disability insurance does. It pays a portion of your income if you are unable to work due to illness or injury. The average disability […]
THE IMPORTANCE OF APPEALING A DENIED CLAIM
Posted March 9, 2015
If your disability insurance claim is denied, you may be angry about the way you were treated. While this is common, you don’t want it to cloud your good judgment. Instead, it would be in your best interest to learn more about the appeals process and how to immediately move forward. There are many reasons […]
Delays can be huge with long-term disability claims
Posted March 5, 2015
When you file for long-term disability claims after service in the military, they can sometimes get delayed. While this is frustrating, new reports have shown that minor delays are not even as bad as it gets. Some people were left waiting for decades. For example, a report out of the Oakland, California, area showed that […]
Taking on insurance companies is no simple task
Posted March 3, 2015
Do you have group long-term disability insurance? If so, it is good to know you can make a claim if you are ever disabled and will be out of work for an extended period of time. This may be just what you need to stay afloat financially until you can return to your job. Unfortunately, […]
Insurance Myths That Undermine Your Well-Being
Posted March 2, 2015
One in five will become disabled between the ages of 35 and 65. Could you financially handle being unable to work?
Frank N. Darras appears on Health, Wealth and Happiness to discuss the importance of disability insurance and how to find a good policy.
Long-term care insurance rates rising, but costs vary
Posted February 27, 2015
Long-term care insurance is a means of ensuring that many of your health care costs are taken care of if you need long-term care in the future. This insurance is far from inexpensive, and according to the American Association for Long-Term Care Insurance, that cost is rising. A study completed by the AALTCI reports that […]
Courts giving fibromyalgia more respect; sadly, insurers are not
Posted February 24, 2015
A recent decision by a federal district court in Indiana suggests that fibromyalgia continues to gain credibility in the legal realm. It is too bad that some long-term disability insurance carriers still have an outdated view of the condition. In Kennedy v. The Lilly Extended Disability Plan, the judge sided with a woman who was […]
What Is Short Term Disability?
Posted February 23, 2015
Disability insurance is a proactive step that many employees choose—or may have provided by their employers—to protect their incomes in the event of debilitating injuries or illnesses. If an injury or illness impairs an employee’s ability to work for any length of time, disability insurance should kick in to provide a portion of the claimant’s […]
Caring for a disabled spouse can have serious consequences
Posted February 17, 2015
Many people decide not to buy long-term care insurance because they feel that they can count on their spouse or children to care for them in their old age if they are no longer to do it themselves. However, the toll on family caregivers can be great, and possibly fatal. A 2014 survey reported that […]
Heart Disease and Stroke: What Do You Really Know?
Posted February 16, 2015
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Stop and think: what can you do in 40 seconds?
You probably didn’t add “die from heart disease, stroke or other cardiovasular diseases” to your list. But it’s true: the American Heart Association says one person in the U.S. dies from these conditions every 40 seconds.