Nobody dreams of the day when they can make an individual disability insurance claim. If you find yourself faced with this, it means that you have been injured or become so ill that you are unable to work. Just because your individual disability insurance claim was denied does not mean you should give up. Instead, […]

The term ERISA is one many people have likely heard. Short for the Employment Retirement Income Security Act, despite having heard the acronym, many people may not be aware of what it is, and how it affects them. This act applies to most people who are employed in the United States and receive group disability, […]

There is no question that nurses play an important role in the recovery of many people who seek medical attention. Unfortunately, the devotion many have to their patients can place their own wellbeing at risk. When a nurse becomes ill, or is injured, and unable to perform the tasks associated with the occupation, they may […]

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Does your pet have lots of medical expenses? Do you have a child living in a rented property? Have you ever had a trip cut short due to a family emergency? Believe it or not, there’s insurance for all these scenarios. In the final installment of the ABCs of Insurance, we discuss insurance products you might need, but never knew existed.

Nobody wants to think about what will happen to them as they age. This can include anything from needing specialized care to passing on. As difficult as it may be to handle these types of conversations, it is something responsible adults must do. It is good to know that there are many steps you can […]

Hawaii is more than a popular vacation destination for Americans and people around the world. It has a unique culture where caring for older adults, whose population there and throughout our country is growing, is a priority. Therefore, it shouldn’t be a surprise that Hawaii’s legislators are going to be considering the first public long-term […]

Dental hygienists living in the Golden State of California have it made. Well, if not “made,” they tend to earn a bit more in metro areas like San Francisco, Santa Cruz and Los Angeles, according to U.S. News & World Report. The average pay of a dental hygienist a few years ago was about $71K. […]

Many people don’t realize that their retirement savings plan is governed by regulations detailed in the Employee Retirement Income Security Act, which is widely known by the acronym of ERISA. However, plan sponsors know how to ensure compliance with ERISA, right? Sadly, too many admit that they don’t. According to a recent report by the […]

Nearly 10 million adults aged 65+ receive care at home or in residential care settings other than nursing homes. However, less than eight percent of Americans have long-term care insurance. The reasons for skipping long-term care coverage are numerous. Increased premiums, cancelled policies and confusion about coverage options have made Americans wary. Yet the 65+ […]