Long-term care insurance is something that many people avoid thinking about until they get older. The longer you wait to make your purchase, though, the more expensive it will be. However, according to some experts, there are tips for making it more affordable. — According for one independent insurance agency president, 50 is about the […]

When an employee receives disability benefits, he or she normally expects to continue to receive them until there is no longer a diagnosis of disability. One California man, a driver for FedEx, has filed a lawsuit against Life Insurance Co. of North America after alleging that the company wrongfully terminated his benefits. His lawsuit was […]

There’s nothing fake about professional wrestling. The injuries are real and the brutality of being on the road for 220 days a year takes a tremendous toll on a wrestler’s body. The outcome of a match is predetermined, but the long-term collateral damage is all too real, evidenced by the incredible number of wrestlers who […]

The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets national standards for private employer-based health insurance and disability benefit plans. ERISA does not apply to plans purchased by individuals and that an employer does not offer. The simplest way to understand ERISA is to remember this: If your insurance […]

Medical records are often an important component of your application for Social Security Disability insurance payments. The Social Security Administration does consider these records — or the lack thereof — in making a determination about disability payments. Working with a legal professional on your disability claim is one way to ensure you get the right […]

Professional athletes understand that injuries are guaranteed in their line of work. As a result, many pro athletes or their teams purchase private individual disability coverage to protect their livelihood and income from the risk of physical disability. However, some athletes may also take advantage of disability plans provided by professional sports associations. Many do […]

Fidelity Benefits Consulting estimates are wreaking havoc on what many couples thought they would need to have in savings at retirement. The new estimates are $15,000 higher just in medical costs alone, and that may be underestimating the real costs that many couples will face. In order for a typical 65-year-old couple to pay for […]

A man is suing Life Insurance Co. of North America, claiming that the insurance carrier wrongfully denied his long-term disability claims. The man was diagnosed with a brain tumor in 2012 and was declared disabled. He underwent two brain surgeries and radiation therapy. Those treatments left him with permanent damage. The plaintiff alleges that he […]

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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.