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Trusting a Promise to Care

Posted October 22, 2006

Los Angeles Times Some elderly clients aren’t getting the long-term benefits they had counted on. As liabilities grow, some insurers leave the market. To avoid becoming a financial burden to her children and grandchildren, Vera Smith bought long-term care insurance. Like a growing number of Americans, the 87-year-old retiree saw it as a sensible way […]

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Your Disability Insurance Checklist

Posted September 15, 2006

You’ve worked hard to get through medical school, gone on to specialize, and now you need to protect one of your most important assets: your income stream. Purchasing disability insurance, however, can be tricky and expensive. Policy features, advantages, and benefits vary greatly. While some policies are ironclad and pay benefits when you need them, […]

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Long-Term Care Insurance Decision Should Be Made After Careful Study

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Frank N. Darras explains what you should look for in company, policy When the first Long-Term Care policies were offered thirty years ago, they were primarily for nursing home use and designed to kick in when Medicare ran out. These were not the feature rich, comprehensive benefit policies we see today, aimed at aging baby […]

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The Fine Art of Self-Protection

Posted July 1, 2006

Why Buying Your Own Disability Coverage May Be a Smart Move No one likes to spend money on something he can get for free, but if the fine print on your employer-sponsored disability insurance reads like a Stephen King novel, consider investing in your own personal policy. While medical science has greatly enhanced the odds […]

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Good Faith Is Good Business

Posted March 13, 2006

Taking on insurers isn’t easy. But improved claims procedures help the disabled get their benefits and industry leaders avoid needless litigation. Taking on the giants of the disability world is not for the faint of heart. The cases are complicated, emotionally taxing and terrifically expensive to prosecute, and time is the carriers’ friend. Carriers know […]

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Interview With Frank Darras

Posted March 4, 2006

Frank Darras is a nationally recognized lawyer specializing in individual disability problems, long-term employer sponsored ERISA litigation, credit card, auto, and mortgage disability issues. Darras has nurtured and grown his boutique disability and long-term care practice into the largest in America, with more than 1000 new cases a month streaming into his Ontario, California operation. […]

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Life Settlements Checklist

Posted February 26, 2006

Life settlements are a relatively recent and rapidly growing strategy used when a person no longer needs or wants (or can no longer afford) his life insurance policy. An agent works through a life settlement company or broker to sell the policy on the secondary market for more than the policy’s cash surrender value. Life […]

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Life Insurance Quiz

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Which Should You Buy, and How Much Do You Need? Life insurance is a mark of adulthood. It’s not something you really think about until you have children and have to confront the unthinkable – what if? What if something happened to me or my spouse? How would we cope with loss of income? With […]

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Disability Insurance Checklist

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What to look for (and look out for) when selecting disability insurance Purchasing disability insurance can be tricky and expensive. Policies vary greatly. While some are iron-clad and pay benefits when you need them, others have more holes than a pasta strainer. Given the hefty price tag, you want to make sure you buy the […]

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