Category: Uncategorized

For individuals that suffer from insomnia, the disease creeps into every aspect of their lives. When you cannot sleep or do not sleep well, you are more irritable and less productive. When it is hard to get sleep, stay asleep and then wake up unrefreshed from a night of tossing and turning, problems ensue. Focus, […]

When you suffer from a disability that requires you to take time off work or reduce your work hours, you worry. You may feel unsure of your health, and you may also worry about your ability to make a living and pay your regular bills. That’s why you have disability insurance coverage—or so you think. […]

If a long-term disability (LTD) insurance provider subject to the Employee Retirement Income Security Act, or ERISA, has denied part or all of your claim for disability benefits, you do not have to take “no” for an answer. You have the right to timely and comprehensively appeal the claim denial so that you receive the […]

Nursing professionals are an integral part of the American healthcare delivery system. Today, our nurses are recognized as heroes amid the coronavirus pandemic and are celebrated frontline workers. Physical and mental stresses are often byproducts of their working experiences. Below are some challenges our nursing clients have faced that have led to short and long-term […]

The pressure ratcheted up on the NCAA Board of Governors recently when Colorado Gov. Jared Polis signed a bill into law giving college athletes rights to profit off of their names, images, and likenesses starting in 2023. It is the third name-image-likeness (NIL) law passed by a state legislature, joining California which passed a law […]

For many people, employer-provided long-term disability insurance offers a sense of peace of mind and financial security. What happens when you rely on an employer to provide group long-term disability benefits and your employer stops paying your group long-term disability insurance premium? Typically, if you miss an insurance premium payment, you’re charged a late fee […]

Ensuring the Fair Adjudication of Your Long-Term Disability Claims Whether you’re eligible for individual or group long-term disability benefits depends on whether a disabling illness or injury prevents you from performing the material and substantial duties of your occupation. Many individual and group long-term disability insurers wrongfully delay, deny, or terminate long-term disability payments, claiming […]

In one capacity or another, we all have insurance. Whether it’s car insurance, health insurance, homeowner’s insurance, or disability insurance, it’s there for the “just in cases” of life. Most of us insurance policyholders are honest, hardworking Americans. However, under the guise of defending against insurance fraud—but really to just save money—your individual or group […]

It’s difficult to discuss the possibility of a young, aspiring athlete losing a professional athletic career before it begins. Whether due to injury or illness, career-ending disabilities can and do happen to top-level Division I athletes, making it a very timely and necessary topic of discussion. With the right type of career-ending disability insurance, Division […]

Have you ever known someone who’s receiving long-term individual or group disability benefits but seems unusually healthy? They claim they can’t work their desk jobs, but they just got back from a week at Walt Disney World. Sometimes, the disability is real. For example, they may appear physically healthy but suffer from a mental, emotional […]