When it comes to short- and long-term disability plans, there are a number of differences that you should be aware of. Disability income is supposed to replace income that has been lost because of a medical disability and can be purchased by the individual or provided as an employee benefit. For those who have a […]

Home care allows for the elderly, senior citizens and people with disabilities to continue to live in their homes, but with trained help for personal and some medical care. It’s less expensive than paying for a nursing home or assisted living facility. However, it can still be costly for people on limited incomes. There are […]

Can depression be a reason for a long-term disability denial? One man, who is a physician, is suing Life Insurance Co. of North American and Does 1-10 for failing to pay him the long-term disability payments he says are due. The physician applied for long-term disability benefits in April 2013 for a psychiatric disability. The […]

Download this episode:
On iTunes | On Stitcher

Insurance companies keep records of everything, including what kinds of claims occur each month. This information helps us identify seasonal hazards that lead to insurance claims and understand how to avoid them.

Over half of the states in the U.S. have enacted or are implementing laws that ban discretionary clauses in insurance contracts. Another federal judge has upheld the law in California. These laws are designed to raise the scrutiny level that insurers must undergo when they deny a claim for benefits. The fact that the judge […]

When you’re filing for disability benefits, you may have the option of choosing a one-time, lump-sum payment from the insurance company. While this may sound like a great idea at the moment, you should give yourself time to consider all of the facts. If you accept a lump-sum buyout, you will not have a disability […]

When you apply for disability benefits, you expect to receive your benefits. When the insurance company denies your claim, you may feel helpless and angry. You know you have a right to your benefits, but you may not know how to pursue them. At DarrasLaw, we help those who have been denied their disability benefits. You […]

Do I need disability insurance coverage? Yes. Why? Answer this question: If an injury or medical condition left you unable to do your current job or earn a living in your chosen field, do you have a plan to keep a roof over your family’s head and ensure the bills continue to be paid? If […]

Long-term care refers to the help or care that people with chronic and debilitating illnesses and other conditions need on a daily basis—over a rather lengthy period. Long-term care ranges from assistance with simple activities (such as bathing, dressing, and eating) to much more high-level skilled care that nurses, therapists or other professionals provide. Long-term […]