Category: Blog

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 […]

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 […]

Disability is a source of anxiety for many families. Even if it’s only a short-term disability, severe consequences can result if a sickness or accident prevents you from earning a living. On top of the loss of income, you may lose the ability to care for those people who depend on you, your job, or […]

Common Baseball Injuries and Loss of Value Insurance Baseball season is ramping up, but elite high school and college baseball players are already working toward their future. This means more than just preseason workouts—if you expect a professional team to draft you, you need to prepare for and protect your future. It’s not just a […]

Millions of Americans suffer from migraine headaches. Some people get them only occasionally, while others suffer from frequent, chronic migraines that significantly diminish their ability to reliably perform the important duties of their occupations. As a result, those who suffer from chronic disabling migraine headaches may try to qualify for individual or group long-term disability […]

Helping Those Suffering from Lyme Disease Get the Disability Benefits They Deserve With the arrival of summer, most of the nation knows it’s time to break out the bug spray. Lyme disease has become a serious medical concern around the country with devastating long term problems. It’s even reported that disease-carrying ticks are appearing in […]

Individual or group long-term disability (LTD) insurance is designed to protect a portion of your income, as defined in your policy, if you suffer an injury or illness that leaves you unable to work. If you are self-employed or an independent contractor, you may have an individual long-term disability policy that you purchased from an […]