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You thought you covered the essentials: your home, your car, and your health are all insured. What else could you need? Unfortunately, many Americans who insure their basic needs have gaps in coverage that can unexpectedly drain their savings if disaster strikes.

At this moment, people across the nation are busy finalizing holiday plans that will enable them to be surrounded by family. While this time can be used to catch up, relax and simply bask in the comfort that comes from spending time in a familiar environment, some experts are actually suggesting that it might be […]

Yesterday, we spent some time discussing how many of us don’t give a second thought to paying our car insurance premiums, absent-mindedly writing checks or clicking “submit payment” every six months or once per year, and how this inattention can prove costly. We also spent some time conducting what amounted to a Car Insurance 101, […]

There comes a time every month when we are forced to sit down at our computers, tablets, or kitchen tables to balance our checking accounts and, by extension, pay our bills. Whether this is accomplished by keystrokes, finger swipes or mailing checks, this necessary evil should provide us with some idea of how much is […]

Unexpected events may prevent a person from being able to work due to an illness or a disabling injury. It is often an emotional challenge and can quickly create financial distress. However, group disability insurance is one option that offers a secure income to a disabled worker. A group typically includes employees who are working […]

People who work in the dental profession, just like people who work in other fields, may experience certain occupation-related injuries. After all, they might have to work in uncomfortable positions for long periods, which places a strain on their necks and backs. If a dental hygienist or dentist suffers a disabling condition as a result […]

For many individuals in California, the day may come when their health fails and they can no longer care for themselves. Unfortunately, having enough money set aside for covering long\-term care costs can be difficult. This is where long-term care insurance comes in. Around 70 percent of individuals who get to age 65 are going […]

Private employers’ retirement plans in California and elsewhere are regulated by the Employee Retirement Income Security Act of 1974. Although this law focuses mostly on retirement plans, it has provisions that affect disability insurance plans offered by private employers as well. Understanding the protections afforded by ERISA is important for protecting one’s rights. First, according […]

People in California and elsewhere often complete their disability applications by themselves. However, the paperwork can be complicated, and having someone familiar with the process to help you can make the difference between obtaining benefits or having your claim denied. Insurance companies will use any excuse possible to deny benefits, and they will scrutinize all […]