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Frank N. Darras’ Commencement Speech –WSU College of Law

Posted November 13, 2009

Thank you Dean Jones, Honored Faculty and Guests, Let me add my own warm welcome to the family, friends and my congratulations to the graduates of the great class of 2009. I listened as Dean Mary Ann went through my successes and I flashed back 24 years ago to my own graduation as a Western […]

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Over Your Dead Body: Should You Sell Your Life Insurance Policy?

Posted July 21, 2009

Author: Patrick J. Kiger AARP Bulletin Today Stay away from STOLI deals, advises Frank N. Darras, a lawyer in Ontario, Calif., and an expert on insurance issues. These “stranger-originated life insurance” deals, in which investors ask older people to take out policies, are rife with financial and legal complications, he says. But what about life […]

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Red Tape Wraps Disability Benefits

Posted June 28, 2009

Author: KRISTEN GERENCHER Workers who contribute part of their earnings to Social Security often underestimate what it takes to tap the benefits if they become permanently disabled. The process can be tricky and more time-consuming than people expect, and the weak economy appears to be contributing to a surge in applications. Christoph Hitz Applications for […]

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Protect Your Income with Insurance

Posted February 26, 2009

Whether you work for a small mortgage brokerage or a large company, it’s important to protect your income from disaster. According to the U.S. Social Security Administration, studies show that a 20-year-old worker has a 30-percent chance of becoming disabled before reaching retirement age. A minor injury or illness can lead to financial derailment for […]

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Losing Everything: Nightmare Scenarios from ERISA for Employers

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You’ve worked hard, achieved extraordinary academic excellence, went on to accumulate advanced degrees and for some, specialty status as a physician. For many, you’ve married along the way, are raising your children in the lifestyle they have become richly accustomed to and hope the insurance you get or provide at work will protect those you […]

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ERISA: Congress’ Well-Intentioned Law

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ERISA, the dirty little acronym for the Employee Retirement Income Security Act, is found almost everywhere these days—on insurance documents, insurance cards and even on the forms you and your clients may sign at the doctor’s office. Originally passed by the 93 rd Congress in 1974 with the intention of helping employees, ERISA now is […]

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Do You Need Disability Insurance?

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Forty-Five-Year-Old Robert Schenker of Woodbury, N.Y., is the breadwinner of his family. He’s also a Type I diabetic and understands that this gives him a higher-than-average chance of becoming disabled and unable to work. That’s why after recently meeting with his financial planner, he decided to supplement his employer’s disability coverage with an additional long-term […]

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Disabled? How to get benefits

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Author: MarketWatch MarketWatch Workers who contribute part of their earnings to Social Security often underestimate what it takes to tap the benefits if they become permanently disabled. The process can be tricky and more time-consuming than people expect, and the weak economy appears to be contributing to a surge in applications, experts say. Some workers […]

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4 Biggest Long-Term-Care Dangers to Avoid

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Author: Kathy Kristof If you’re worried about the eventual cost of caring for yourself in old age, you may be tempted to buy a long-term-care insurance policy now. This coverage can pay a significant portion of the often crippling cost of a nursing home (currently $67,000 a year, on average) or for having around-the-clock caregivers […]

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