Category: Blog

2020 is a presidential year, and it’s a historic moment for our nation’s approach to disability insurance. While disability may not be at the forefront of some voters’ minds, many presidential candidates have made disability insurance policies an important part of their campaign platform. One such candidate is Senator Elizabeth Warren. There are three Democratic […]

The last thing you need when you have suffered a disabling accident or health setback is to have your long-term disability insurance provider deny a claim. Unfortunately, as America’s working population of Baby Boomers and post-Boomers ages, we expect more and more long-term disability carriers to push back harder and harder against benefits claims by […]

You establish an income backup plan when you buy individual long-term disability insurance or receive group disability coverage at work. If you become disabled, you anticipate that your insurer will timely pay your claim. Unfortunately, it’s never that simple. You must provide timely notice of your claim and produce comprehensive proof of your disability. You […]

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 […]