The situation: An injury or illness has become a disabling condition that prevents you from working. You need to make a long-term disability claim to recover the financial resources you need to provide for yourself and your family during the difficult weeks, months, or years ahead. The solution: File a claim with your long-term disability […]

From browsing online reviews and consulting consumer comparison websites to reading company literature and talking with family and friends, everyone likes to think that they are in the best possible position when they go to purchase that new car, television or other big-ticket item. While it’s true that it can pay real dividends to be […]

Is it legal for insurers to follow you around without your knowledge or consent, and is any public place fair game for disability insurer surveillance—including social media? Because of the nature of social media—as a digital common where individuals produce, share, and consume information at lightning speeds—almost anyone can access the things you post, despite […]

As we’ve discussed all week, employees across the nation are currently in the middle of their annual enrollment periods, such that in the coming days they’ll not only have to make important determinations concerning their health insurance and contributions to health savings accounts, but also life insurance and disability insurance. Those employees who have made […]

We are currently in the middle of one of the more stressful times of the year for employees. That’s largely because in addition to ensuring that the annual goals set by their respective employers are met over the next six to eight weeks, they must also make important decisions regarding their benefits. Indeed, workplaces across […]

Many employees think of health insurance when they hear the words “open enrollment”. However, this limited period also allows you to select or update your disability and life insurance coverage for the next year. Here are tips to make the most of open enrollment, understand your disability and life insurance options and find the best […]

No one ever relishes having to write a sizeable check to the insurance company. However, the benefit of this exercise soon becomes apparent as you are granted the much-needed peace of mind from knowing you are covered in the event of the unimaginable or, in the case of an annuity, that you are guaranteed regular […]

Almost half of U.S. states provide Medicaid long-term care benefits through managed care. There are 13 states that require older adults to get their care that way. The latest annual survey of state Medicaid programs by the Kaiser Family Foundation shows that four out of five states are increasing home care benefits. Sixteen states are […]

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Open enrollment is a critical time for employees, as it provides the opportunity to select or update health, disability, and life insurance coverage for the next year. However, many employees do not pay attention to changes in their existing plans or make time to reevaluate their insurance needs.