The Consolidated Omnibus Budget Reconciliation Act is more often referred to as COBRA, and it is an addition to the Employee Retirement Income Security Act of 1974. ERISA protects certain benefits of qualifying employees, and COBRA extended that protection to health care coverage. Specifically, COBRA provides a path for individuals who lose health care coverage […]

If you’re filing a disability insurance claim, your insurer will send a request to gather your personal information. How much information is too much to share? In this video, Frank Darras explains what insurance companies will ask for and what they’re legally entitled to.  

There are many benefits of purchasing long term care insurance. For example, this can kick in and pay some or all of your nursing home costs (should this be necessary in the future). While most people understand the benefits of long term care insurance, here is something that holds them back from buying: They don’t […]

When offered group disability insurance through an employer or other plan, many people turn down the chance to cover themselves for a future accident or medical issue. It’s not that people don’t want coverage — no one really wants to have to pay all of their own medical bills if something serious happens. Many people […]

  Founding partner Frank N. Darras bought disability insurance shortly after he graduated law school. Although his disability law career was just beginning, one thing was already clear: income protection was not something to forgo. Today’s young adults face a different reality. Many are not educated about insurance before entering the workforce, and with the […]

Some people make sure they have an active disability insurance policy at all times. Maybe they purchase an individual policy or maybe they purchase group coverage. Either way, they always have what they need. Conversely, there are people who don’t have any disability insurance. While some have a good reason for this, others don’t know […]

If you’ve been disabled, it is important to protect your rights. A disabled individual may need extended medical care, special therapies or other accommodations. Yet coverage under your insurance policy may not be automatic. If you were initially denied, the particular policy may require you to file an appeal. It is imperative to consult with […]

Individuals who have certain Blue Shield of California plans are reportedly filing a class action lawsuit against the company. The class alleges that Blue Shield’s process collects premiums for insurance plans that don’t actually provide any benefits should a person retire before the age of 65 and qualify for Medicare because of a disability. The […]

May is Disability Insurance Awareness Month, making it the perfect time to learn how to protect your livelihood. Not all disability insurance policies are alike, making it important to know the key differences between individual and group disability insurance plans. An estimated 40% of Americans have disability insurance, and a majority of them have a […]