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The Top 10 Large-Group Short-Term Disability Insurance Companies

Posted July 26, 2018

A common benefit offered by many employers—group short-term disability insurance—is an affordable way for employees to protect their incomes in the event of partial or total disability. Generally speaking, short-term disability insurance will cover about 60 percent of your income, and it usually kicks in to provide coverage within 14 days. Short-term disability coverage will […]

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Individual and Group Long-Term Disability Insurance Companies Play Games With Your Claims

Posted July 19, 2018

If you’re one of many fortunate Americans, you have paid for your own individual long-term disability coverage, or you have a policy provided by your employer. Having an individual or group long-term disability policy in place gives some much-needed peace of mind—if something happens and you can no longer perform the important duties of your […]

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Student-Athletes: Is Your School Offering You the Right Insurance Policy?

Posted July 12, 2018

Student-athletes have a lot to look forward to—playing the sport they love while receiving a great education, and potentially handsome compensation in the pros. A single injury or illness, however, can end your career or do catastrophic damage to your earning potential before you even begin a professional career. Many student-athletes are now looking for […]

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Long-Term Disability Insurance Buyouts: What You Need to Know

Posted July 5, 2018

If you have a long-term disability, your individual or group long-term disability insurance policy provides you with a monthly income that covers your lost income as a result of your inability to reliably perform the important duties of your occupation. For most families, this constitutes a lifeline and provides a great deal of financial security […]

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Chronic Pain, Your Doctor, and Your Disability Insurance Company

Posted June 14, 2018

According to the National Institutes of Health, more than 11 percent of Americans experience chronic pain. To put it another way, 25.3 million adults have suffered pain every day for the past three months. These numbers provide a startling reminder of how many people suffer from chronic pain every day. In some cases, the pain […]

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How DarrasLaw Can Help Bulletproof Your Individual or Group Long-Term Disability Insurance Claim

Posted June 12, 2018

Disability is a source of anxiety for many families. Even if it’s only a short-term disability, severe consequences can result if a sickness or accident prevents you from earning a living. On top of the loss of income, you may lose the ability to care for those people who depend on you, your job, or […]

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Common Baseball Injuries and Loss of Value Insurance

Posted June 7, 2018

Common Baseball Injuries and Loss of Value Insurance Baseball season is ramping up, but elite high school and college baseball players are already working toward their future. This means more than just preseason workouts—if you expect a professional team to draft you, you need to prepare for and protect your future. It’s not just a […]

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Migraines and Long-Term Disability

Posted June 5, 2018

Millions of Americans suffer from migraine headaches. Some people get them only occasionally, while others suffer from frequent, chronic migraines that significantly diminish their ability to reliably perform the important duties of their occupations. As a result, those who suffer from chronic disabling migraine headaches may try to qualify for individual or group long-term disability […]

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What Happens if My Employer Fails to Pay My Long-Term Disability Premiums?

Posted May 30, 2018

For many people, employer-provided long-term disability insurance offers a sense of peace of mind and financial security. What happens when you rely on an employer to provide group long-term disability benefits and your employer stops paying your group long-term disability insurance premium? Typically, if you miss an insurance premium payment, you’re charged a late fee […]

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Occupational Disability Coverage and Functional Capacity Evaluations

Posted May 25, 2018

Ensuring the Fair Adjudication of Your Long-Term Disability Claims Whether you’re eligible for individual or group long-term disability benefits depends on whether a disabling illness or injury prevents you from performing the material and substantial duties of your occupation. Many individual and group long-term disability insurers wrongfully delay, deny, or terminate long-term disability payments, claiming […]

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