Do I need disability insurance coverage? Yes. Why? Answer this question: If an injury or medical condition left you unable to do your current job or earn a living in your chosen field, do you have a plan to keep a roof over your family’s head and ensure the bills continue to be paid? If […]

Long-term care refers to the help or care that people with chronic and debilitating illnesses and other conditions need on a daily basis—over a rather lengthy period. Long-term care ranges from assistance with simple activities (such as bathing, dressing, and eating) to much more high-level skilled care that nurses, therapists or other professionals provide. Long-term […]

In 2013, disability claim payments totals were $9.8 billion. This is an increase from the previous year by 1.6 percent. According to the 2014 Council for Disability Awareness, there are more employers offering long-term disability insurance benefits plans. Of the companies that participated in the annual CDA member Long Term Disability Claims Survey in 2013, […]

What do physicians, surgeons and dentists have in common? Besides being in the medical field, these are occupations that are not thought of as being physical jobs. This couldn’t be further from the truth, as many medical professionals have their careers significantly altered or even ended by injuries. This was illustrated in recent days in […]

With the health insurance insurance in upheaval over the last couple years, many people do not know what to do if their claim is denied, or if they are dropped from their insurance carrier. While there are no guarantees of success, the good news is that if you have been denied a claim or been […]

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Most adults know the importance of life insurance; after all, one in three households would have immediate trouble paying living expenses if the primary wage earner died, according to the 2016 Insurance Barometer Study by Life Happens and LIMRA.

Recently, a question was submitted to The Daily Breeze about suing a health insurance company for emotional stress. The patient was being seen in the emergency room after fainting and was having some tests done. The patient’s health insurance company told the hospital that the policy had been canceled because the premium wasn’t paid. The […]

When planning for retirement, there is much more to do than simply meeting your goals for investing. You need to also consider the various financial pitfalls that could take a serious toll on your retirement savings. There are several insurance policies that can help you avoid potential problems with your retirement funding. These policies can […]

When you’re searching for a disability insurance policy, do you know how to determine which policy is best for you? One way to do so is to learn how to spot the differences between different disability insurance definitions, riders and provisions. Waiting periods This is how long you must wait before you will receive your […]