You buy insurance to protect many important things in your life. For example, home insurance protects your dwelling and many of your valuables. Car insurance protects your vehicle. While there is nothing wrong with buying these types of insurance, you may not be protecting your greatest asset: you. Most people who shy away from buying […]

If you’re choosing an individual long-term disability insurance policy, selecting from among the various policies and options can seem overwhelming. You want to get the most coverage for your money. However, sometimes saving money on premiums can mean paying a lot more out-of-pocket down the road if you need to make a claim. When younger […]

There could come a time in the future when you need to pay for nursing home care. Nobody wants this to happen to them, but it’s a definite possibility. For this reason, you need to plan for the worst. This means knowing how you will pay for nursing home care. First things first, you always […]

It’s not what you know. It’s who you know. Whether or not you feel appreciated at work comes down to that old adage. Usually it means you’ve been promoted to a dream gig by a big shot, someone of influence or prestige, who had the power to put you where you wanted to go. Often […]

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Did you know how many types of insurance there are? The choices can be overwhelming. In the third installment of the ABCs of Insurance, we continue to examine which insurance options to consider in the new year.

The Employee Retirement Income Security Act exempts pension plans that are “established and maintained for its employees by a church or by a convention or association of churches” if they have tax-exempt status. Now a federal judge in Colorado has dismissed a case against Denver-based Catholic Health Initiatives. This is a non-profit group of hospitals […]

If your employer provides benefits, it is important to understand exactly what you are getting. After all, this is part of your compensation package. While not the case with all companies, some provide employees with group disability insurance. If this sounds familiar, you should take the time to learn more about the coverage that is […]

Post-traumatic stress disorder (PTSD) can be considered a disability when it impacts your ability to work. As such, you may be entitled to benefits in California. To claim them, it’s very important to document your symptoms, some of which could include the following: 1. Intrusive memories. You may have dreams or flashbacks that recreate the […]

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In our last episode, we began to examine the numerous insurance options available to you. However, there are even more options to consider when reviewing your insurance policies in the new year. Here is the second part of the ABCs of Insurance.