Year: 2014

Increasingly, employers are offering long-term disability insurance to their employees. However, according to the Council For Disability Awareness, the number of employees choosing to take advantage of this employee benefit decreased last year The group, which represents 19 insurance companies, found that while the number of employers rose, albeit slightly, for the second consecutive year, […]

The Northwestern football team voted on whether or not the players should unionize. They are concerned about the staggering amount of money the football team generates for the University while some collegiate players struggle to even feed themselves.

Frank N. Darras also discusses the risks that collegiate stars and NFL players face. Going from 1^st round to 2^nd round can drop a player’s value by $30 million.

Quote from the Show:

“The average career in the NFL is 3.9 years. Pretty unbelievable.”

We have discussed on multiple occasions the importance of long-term care insurance. However, according to a study by “Spectrem’s Millionaire Corner,” only a minority of people — even affluent ones — purchase it. Among people with a net worth of $5 million to $25 million, only 37 percent have it. A quarter of this group […]

Whether you live in California or in another part of the United States, buying long term care insurance is something you must consider at some point in your life. By taking a closer look at long term disability statistics, it becomes clear that many people before you have run into this type of issue. According […]

Medical histories are something that many employees consider to be private, and they do not always want to share them with their employers. However, when they are putting in a claim for benefits due to an injury that has caused a disability, it is important for them to make sure that this does not get […]

The odds of dying are about 1 in 100 in any given year, but the odds of being disabled are about 1 in 10.

Disability insurance is just as important – perhaps even more imperative – than life insurance.

Quote from the Show:

“The odds of a 20-year-old [is] 1 in 4 that they will become disabled and unable to work before reaching the age of 67.”

Many of our California readers look at their home as their biggest asset, however, they are overlooking the fact that their health is more important. Without the ability to work, you are unable to earn the money necessary to support yourself and your family. In the event of a disability, it is important to be […]

There are plenty of ways to save money in the nation’s new healthcare system, but they aren’t always apparent.

In this interview, Frank Darras, America’s Top Disability Lawyer, discusses simple ways to save hundreds — or thousands! — on healthcare in 2014.

Quote from the Show:

“A lot of us take medications. Lipitor comes in a 20mg tablet. The cost for a 20mg supply is about the same as a 40mg tablet. You can split them* [40mg tablets] and save about $1000 a year.”

*Always ask your pharmacist first.

As we’ve discussed before, the cost of long-term care insurance is rising. As middle age and older Americans struggle to keep up with cost of living increases, that insurance is too often dropped or never obtained in the first place. It may seem like a luxury now, but not having long-term care insurance can mean […]

There are many insurance companies offering long term care insurance coverage to local residents. While some are able to find an affordable policy, others realize that making a purchase is a difficult task. Even if you know it is the right thing to do, buying long term care insurance is easier said than done. One […]