Year: 2016

It doesn’t matter if you have yet to purchase long term care insurance or already have a policy in place, there is a good chance you will have questions on your mind. If you neglect to answer these questions, it could pose a variety of challenges in the future. Fortunately, there is no question too […]

When you buy individual disability insurance, you expect your insurance company will act in good faith if you need to file a claim. However, it’s very common for bad faith – also known as an insurance company’s attempt to delay or deny payment on a legitimate claim – to occur, especially when the claimant is […]

In California, individuals are often protected by both the Americans with Disabilities Act and the Fair Employment and Housing Act. The first is a federal law and the second a state law. To sue an employer under FEHA, a person has to qualify as a disabled person. While qualification is sometimes obvious — a court […]

If you’re filing a disability insurance claim, your insurance company will probably ask you to submit to a functional capacity evaluation. In this video, we explain what to expect during this evaluation and how it may affect your claim.

Some experts have found that people are too quick to give up when they file a disability claim and then are turned down. When that denial comes in the mail, it’s just so devastating that they decide not to do anything about it. However, you can put in an appeal for many reasons, so it’s […]

A new report indicates that some things have changed with regard to disability claims in the last decade while certain things remained the same. The report comes from insurance provider Unum Group. Among things that remained the same were the top reasons individuals claimed both long-term and short-term disability. The top reason for filing a […]

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June ushers in an exciting time in sports. As the top NHL, MLB and NBA draft prospects wait to see if their dreams of going pro come true, some will have one more thing to consider: if the draft doesn’t go well, could they join the lucky few who collected on loss of value insurance policies?

Are you thinking about filing a long term disability insurance claim? In this video, we explain the factors to consider before requesting claim forms, such as: How do you know if or when you’re considered disabled? Do you have difficulty with the primary or material duties of your occupation? Are your earnings plummeting as a […]

When it comes to your health, finances, and the future, you need to do whatever you feel is best. Regardless of the decisions you make, you must realize that you are in good position to deal with an uncertain future. For some, this means purchasing long term care insurance coverage. For others, it means considering […]

The Consolidated Omnibus Budget Reconciliation Act is more often referred to as COBRA, and it is an addition to the Employee Retirement Income Security Act of 1974. ERISA protects certain benefits of qualifying employees, and COBRA extended that protection to health care coverage. Specifically, COBRA provides a path for individuals who lose health care coverage […]