Year: 2015

If you are considering the idea of purchasing a long term care insurance policy, it is easy to become confused. Unfortunately, some people find themselves so confused that they shy away from moving forward with a purchase. Below are several long term care insurance misconceptions that have stopped others from buying a policy at the […]

We’ve previously discussed the many benefits of having a long-term care insurance policy to help cover the ever-increasing costs of nursing home, assisted living and in-home care that many people require in their later years. Approximately 70% of people who live to 65 and older will need long-term care. Although a LTC policy doesn’t make […]

The NCAA made a recent historic decision to allow its members to purchase career-ending disability insurance for its early-round, draft-bound athletes and allowed college athletes to borrow against future earnings to purchase these plans. The decision itself is a triumph, because it has the potential to benefit not only the athlete, but the college or […]

In your mind, you think you should receive individual disability benefits shortly after filing. On the other side of things, your insurer may have a different idea. They are not interested in paying your benefits and can decide to deny your claim for a number of reasons. There is a lot that goes into overcoming […]

Too often, people are injured and find themselves without the security of a disability insurance policy to stabilize their financial situation. Many see disability insurance as just another unnecessary expense without realizing how the benefits can help them if the unthinkable happens. A disabling illness or injury won’t leave some people won’t be as strapped […]

Anyone who isn’t living under a rock knows that a state of emergency has been declared across much of South Carolina due to extreme flooding.

The final cost of damage is going to be well above $1 billion, and most likely a multibillion economic cost. Most of that cost damage is uninsured.

South Carolina has nearly 2.2 million housing units, yet fewer than 200,000 flood insurance policies. This may be shocking, since South Carolina ranks as one of the most insured states in the program, but huge gaps still remain.

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 […]