Being injured or so severely sick that you miss work is a painful experience. Ensuing disability increases your worry and frustration about how soon you will get better and how you will cover your expenses without a regular paycheck. That is why many people carry both short and long-term disability insurance. They are told and […]

The Daily Journal published an article authored by Frank N. Darras on whether college athletes should unionize. The article examines the numerous changes in the world of collegiate athletics as well as a bill introduced in Congress that would allow some athletes to unionize and classify themselves as employees. Mr. Darras’ article examines the potential […]

COVID-19 has infected millions of people worldwide. While many have recovered from this deadly virus, we are still learning about the long-term debilitating effects of COVID. Unfortunately, some survivors of COVID may end up with long-term side effects and issues. It’s hard to know just how many people have these long-term medical issues right now […]

Mandatory overtime, also known as forced overtime, happens when employees, including nurses and CNAs, are forced to work more hours than they had contracted to work upon hire (which is usually 40 hours per week). Forced overtime is imposed. Nurses, CNAs, and other employees cannot opt out of mandatory overtime—hence its name. While some nurses […]

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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There are many myths floating around about disability insurance – the most common is that there isn’t much of a difference between SSDI and private long-term disability insurance. Often, Americans will choose to skip the latter because they think the former will provide for them if they become disabled.

If you suffer a disabling injury or illness that requires treatment and appropriate medical care for a short period of time (typically 12 months or less), short-term disability (STD) insurance benefits can provide you with income replacement. Your short-term disability  income replacement benefits are based on your monthly income, along with a predetermined percentage of […]

It can be somewhat confusing for most people to determine whether their long-term disability insurance benefits are taxable. Disability benefits may or may not be taxable depending on who made the premium payments and whether those payments are deductible. Social Security disability insurance (SDDI) benefits may be taxable; the IRS provides further explanation of when […]

Did you suffer a disability? Are you unable to work in any capacity, or can you work in some occupations—just not in the same profession as before the onset of your disability? For most insurance companies, whether you qualify as partially or totally disabled is determined by the specific language in the policy. Your level […]