Securing the proper insurance coverage may be the last thing on a recent graduate’s mind, but it shouldn’t be. As many grads face the prospect of student loans and a tough job market, purchasing anything beyond health insurance may not be a personal or financial priority. However, failing to purchase certain types of insurance – […]

Baby boomers will continue their mass-exit from the workforce over the next decade. Many people entering their golden years will leave employers facing record job vacancies and the need for long-term care services will explode. A recent survey found that many Americans harbor concerns and misconceptions about long-term care costs. The survey, conducted by the Associated […]

Millennials tend to be painted with a broad brush of stereotypes. Specifically, the narrative advanced in the press is that anyone 18-34 years old is inherently self-interested or financially troubled. Most of the millennial demographic are found to be more attuned to social media and unfortunately they are alsomore saddled with debt than their parents. […]

Long-term disability (LTD) insurance is designed to provide policyholders with a portion of their monthly income for a predetermined amount of time if they become disabled and cannot work due to a covered illness or injury. An insurer’s definition of disabled, however, may not comport with common-use, dictionary definitions. Also, some disability insurance policies may […]

We recently explored five common causes of disability claims in honor of Disability Insurance Awareness Month. As we discussed in part one of this series, many Americans have misconceptions about what legally qualifies as a disabling sickness or illness. The Council for Disability Awareness reports that one in three women and one in four men […]

Anyone familiar with the process of purchasing life insurance knows that initial procedure tends to be slow. Applicants need to fill out forms, conduct phone interviews, and attend medical exams. The total time to secure a policy can regularly take several months. Recent studies suggest that consumers are not happy with the status quo. One […]

Memorial Day is approaching and many workers are looking forward to a well-deserved holiday break. The long weekend is a good opportunity for rest and reflection as Disability Insurance Awareness Month draws to a close. As such, it’s important to consider a survey by the Harris Poll and OneAmerica in conjunction with these efforts. Here, […]

Summer season is quickly approaching and many people are starting to plan their vacations. Family outings often cost consumers a substantial amount of money. Some of the expenses involve purchasing plane tickets, reserving hotel accommodations, and booking car rentals. When it comes to renting a vehicle, it is common for agents to urge the purchase […]

If your disability insurance claim was wrongfully denied, you are likely wondering what options you have to secure a different outcome. Of course, lawsuits are possibilities, but sometimes, you can’t sue immediately. With employer-sponsored disability insurance, companies require that you exhaust their administrative appeals before filing your federal ERISA case. Disability insurance companies usually have […]