Year: 2015

California state officials have approved a new type of auto insurance policy for rideshare drivers that will close the gaps created by previously limited coverage and ambiguous language. California state officials have approved a new type of auto insurance policy for rideshare drivers that will close the gaps created by previously limited coverage and ambiguous […]

There are many considerations when buying long term care insurance. For example, you need to know if you are even eligible to purchase a policy. You may believe you are, however, this is not always the case. Depending on the insurance company, there may be pre-existing health conditions that make it impossible for you to […]

This month, the U.S. Supreme Court made a unanimous ruling on a case brought by employees of California-based Edison International that has ramifications for workers and business owners and for the Employee Retirement Income Security Act. Just whether those ramifications will benefit workers in the long run remains to be seen. In Tibble v. Edison […]

Now that summer has unofficially begun, have you started making plans? If they include any type of thrilling or extreme recreational activity, you’ll probably have to sign a waiver. Does anyone actually read waivers before signing? Probably not – and that could be a fatal mistake. Check out our latest Slideshare on what you need […]

If you find yourself in position to make a long term disability insurance claim, you need to learn more about the Employee Retirement Income Security Act of 1974. Also known as ERISA, this federal law governs how employee benefits plans are administered by employers. In most cases, disability insurance is considered a part of an […]

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50% of working Americans couldn’t make it a month without their income before financial difficulties would kick in. Could you?

“You have a greater likelihood of becoming disabled than you do of dying before you retire, and yet more people understand the need for life insurance.”

Four nurses start the conversation on what needs to change in their profession and you can continue it. What changes would you like to see? Our work with registered nurses (RNs), certified nursing assistants (CNAs) and orderlies throughout the years has led us to understand that reform is needed in the nursing profession. Health care […]

If you have long-term disability insurance, there may come a point when you are presented with a buyout opportunity. Before you agree to a lump sum buyout, it is important to be aware of the terms and conditions. Once the buyout is complete, you are no longer in a position to receive payments from the […]

When workers sign up for long-term disability insurance under their employer-sponsored plan, they believe that they are making a prudent choice for themselves and their families to protect part of their income if they become ill or injured and unable to work. However, collecting benefits when they are needed may be an unexpected struggle. A […]

Many people who see themselves as young and/or healthy decide that they have no need for disability insurance, even if it is offered by their employer. However, the statistics simply show otherwise. In particular, joint-related and musculoskeletal-related disorders have increased in recent years, according to insurance data provided by Unum Group. In the five years […]