Year: 2015

Some people are familiar with disability insurance, as they have purchased an individual policy. Others are familiar because they receive this benefit through their employer. And then there are those who are unsure of what this coverage has to offer. As confusing as it may sound, there is no reason you shouldn’t be able to […]

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“Here’s your diploma….welcome to life.”

It’s graduation season. You or your loved one is preparing for what happens after turning the tassel, but how far ahead have you thought?

A Louisiana woman has filed a lawsuit against the benefits division of her employer as well as an insurance company for cutting off her long-term disability benefits at the beginning of 2013. She is claiming breach of duty and alleging that the denial of her benefits violates ERISA law. According to the plaintiff, just over […]

An epidemic of injuries among nurses has spurred some government officials to consider increasing worker protection through stricter regulation. What laws aim to further health care worker safety in the near future? Nurses, certified nursing assistants (CNAs) and other health care workers suffer approximately 9,000 injuries every day, an injury rate worse than for those […]

Do you have individual disability insurance? Are you ready to make a claim? If so, there is more to the process than contacting your insurance company and telling them you should receive benefits. Instead, there is an application process that requires your full attention. If you don’t properly fill out your disability application, you could […]

Military vets and many others are searching for answers after it came to light that around 13,000 disability claims had been put into a closet in California, where they were ignored and forgotten about entirely for years. A woman found them there and broke the news, becoming a whistleblower, and she has now gotten a […]

Before purchasing long-term care insurance, it makes sense to learn more about what is and is not covered. There is nothing worse than thinking you have coverage for a particular situation, just to find later on that you are responsible for making the payment out of your own pocket. Most policies on today’s market are […]

Download this episode: On Libsyn  |  On Stitcher We’ve been in the disability insurance field for a long time, and there’s one thing we’ve noticed over the years: Nurses get injured – and those injuries often leave them disabled. Is epidemic really the appropriate term to use? It is, because these injuries are more common […]

Certified nursing assistants (CNAs) suffer injuries at a rate as high as three times the average for U.S. workers. Research shows that injury rates correlate to how well the CNA feels appreciated and supported in his or her work environment. The injury rate in the nursing workforce is a well-known problem. Registered nurses (RNs), CNAs […]

We have spoken here often about how important it is to take advantage of long-term disability insurance if it is offered by your employer. However, once you have this, don’t assume that all of your needs will be taken care of if you become disabled. There are limitations to these employer-sponsored plans, and you may […]