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Did you know that 6 in 10 Americans who rent their homes don’t have renter’s insurance? It’s one of the most necessary but undersold types of insurance. In this episode of the DarrasLiving podcast, we discuss what renter’s insurance covers, who it’s ideal for and how much it actually costs.

Many people do not get disability insurance because they do not think that they will ever need it. However, others are mistakenly under the assumption that if any disability or illness keeps them out of work, they are covered by their employer, either through their sick leave policy or through their benefit plan. Some employers […]

The Employee Retirement Income Security Act of 1974, known as ERISA, is a law that most workers are unfamiliar with. In short, this federal law sets standards for pension and health plans as a means of providing protection. Under ERISA, employers are not required by law to establish a pension plan. However, those that decide […]

Being diagnosed with cancer is a tragic event for anyone. For people who are income earners for the family, this diagnosis is especially tragic if they are unable to keep working because of the illness. Some employees might benefit from learning a bit about different types of disability payments that might help them to make […]

It doesn’t matter how much you know about long-term care insurance, if the time comes to purchase a policy you should become familiar with the finer details. This is the only way to ensure that you are comfortable with the coverage you are getting. Most people understand the basics of long term care insurance, including […]

Did you know that hitting certain life milestones can qualify you for auto insurance discounts? We appeared on 55KRC’s hit show Simply Money to discuss these unexpected ways to cut your rates. Check them out and start saving!  

ERISA, also known as the Employee Retirement Income Security Act of 1974, is in place to establish and regulate minimum standards for health, retirement and other benefit plans, such as disability and life insurance. All in all, ERISA is used to regulate employee benefit plans. While it does not require that companies provide employees with […]

When you say the words “disability insurance,” most people immediately think of Social Security. It’s what comes up in most online searches, and most people believe Social Security disability benefits will offer them sufficient coverage for their basic expenses. This isn’t true, and according to a recent article by the Associated Press, the Social Security […]

Increasingly, Americans are choosing to spend their retirement years living abroad. Between 2003 and 2013, the number of people receiving their Social Security benefits outside the U.S. grew by 50 percent. There are certainly many advantages to embracing the life of an expat, even if you simply go north or south of the border. However, […]