As we’ve discussed before, many people resist getting long-term care insurance to help cover nursing home, assisted living and home care expenses when they get older, in part because of the expense. They don’t want to pay for care they may never need, that they believe their savings, Medicare and Social Security benefits will cover […]

When it comes time to consider the purchase of an individual disability insurance policy, some details deserve more attention than others. In general, you need to compare the cost of coverage against the benefits. In other words, answer this question: Are you willing to pay for what you get in return? Before you do anything, […]

If September taught us anything about hockey, it’s that concussions are as serious a problem as ever. Just look at these recent headlines: (via NJ.com) (via Fox Sports) (via CBS Sports) When the NHL season kicks off this week, it’s sure to bring exciting games, hard hits and cringe-worthy injuries. The rough nature of hockey […]

If you put in a disability claim and it was denied, don’t just assume that the government — through the Social Security Administration (SSA) — was automatically right to deny you. While they may have had good reason, you also could have been wrongfully denied, so you must know how this process works. One of […]

Many workers in California and throughout the nation drive their personal vehicles during work-related activities. We’re not talking about driving a vehicle to and from your place of employment each day, but using your car or truck to go out on field assignments, make deliveries or conduct some other part of your job. When you […]

When it comes to group disability insurance, it is possible that you will one day be in position to receive benefits. You never want to become disabled, but if you do it is nice to know that you can receive compensation until you are able to return to work. The problem with group disability insurance […]

Can you be denied long-term care insurance because of any medications that you are taking? According to one insurer, you can. However, one applicant and some of his supporters are arguing otherwise. A Massachusetts man as well as the Gay & Lesbian Advocates & Defenders are accusing insurance company Mutual of Omaha of denying benefits […]

Americans who purchase long-term care insurance pay premiums for years and often decades in the expectation that a significant portion of their costs for assisted living, nursing and in-home care will be covered in their later years. Therefore, it’s understandably concerning that Genworth Financial is facing a family battle of sorts with two recently-filed lawsuits […]

When you purchase an individual disability insurance policy, you hope you will never have to use it. Even so, you realize that something bad could happen at some point. In this case, it is important to do whatever it takes to obtain the benefits you deserve. If you receive a claim denial, you may be […]