It comes as no surprise that many insurance policy holders have difficulties in collecting money after filing a claim. After all, an insurance company’s goal is to make money. As a result, they do not always necessarily have your best interests or your health in mind. While there are many reputable insurance companies out there, […]

In 1974, the U.S. passed the Employee Retirement Income Security Act (ERISA) in an effort to regulate retirement plans that employers offer to their workers. In addition, it provides provisions regarding other benefits, including disability insurance plans offered to employees through the company. It does not apply to privately purchased disability insurance packages outside of […]

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Many Americans begin the new year with a resolution of some sort, such as getting in better shape, traveling more, or learning a new skill. While many of these resolutions are rarely kept, there is one that can help you find peace of mind: make January the time to review and update your insurance policies.

You’ve paid your long-term disability insurance premiums and you need your policy benefits to keep you and your family afloat now that your disability is keeping you from working. We have some bad news and some good news for you. The Bad News There’s no way around it: long-term disability claims are complicated and the […]

Unfortunately, it is not uncommon for insurance carriers to use a retroactive date exclusion to deny policyholders from their claims. If you or someone you know has received a denial letter, it is important to understand that this does not mean that nothing more can be done; you may have the claim re-examined and negotiated, […]

Employees who have worked for a company for a long time depend on their retirement and disability benefits to get them through the years after they stop working. However, all businesses have their risks, and many businesses do not survive. What happens to these benefits when a company goes out of business? Recently, the U.S. […]

Many of us are living longer, healthier lives than our ancestors did, but with these longer lives come new challenges. Many Americans must receive long-term care as their physical and mental health declines. The good news is that there are many options available for long-term care of adults, and many of them are very good. […]

When an injury, illness or other health condition is so severe that it renders a person unable to work, the worker is in a bad position. Without the income from employment, bills and debt can quickly pile up. If the person tries to return to work, he or she may be unable to perform his […]

While much of the country waits to see what will happen to their insurance under a new Republican White House and Congress that have pledged to end the Affordable Care Act, another system of health-related benefits is facing new, unrelated changes. Shortly before the change in administrations, the U.S. Department of Labor published new regulations […]