You buy individual or group long-term disability insurance to protect your financial well-being when an injury or illness interferes with your ability to reliably perform the important duties of your occupation. Unfortunately, the process for making a valid disability claim is anything but easy, and you may encounter multiple delays along the way. One of […]

It’s no secret that Social Security and Medicare won’t necessarily provide everything you need to live comfortably in your later years. While some people may have a retirement plan of some sort, a lot of people fail to consider coverage for the gaps in Medicare coverage. Long-term care coverage is one of the options that […]

The number of people 65 and older is projected to double to 98 million by 2060—to an estimated 24 percent of the American population. Understandably, we need more care when we are older and our risk of disability increases, more people are starting to think carefully about their insurance needs. Long-term care insurance and individual […]

A recent study suggests that football players may suffer brain injuries even in the absence of concussion symptoms. The University of Michigan study involved 11 high school varsity football players wearing helmets equipped with accelerometers. Researchers compared data received during high-accelerated head impacts to biomarkers identified during their blood tests. Researchers found significant increases of […]

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 […]

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 […]

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 […]

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 […]

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 […]