Year: 2016

Working adults of all ages face varying risks of disability, and should understand the importance of securing insurance to prevent financial disaster should think unthinkable happen. This naturally raises the question, however, as to just how much disability coverage a person actually needs and what, if anything, they can do to arrive at this crucial […]

Those individuals who have done any sort of casual reading about disability insurance, ERISA or a related topic have more than likely come across the following eye-opening statistic: today’s 20 year-olds have a roughly 25 percent chance of becoming disabled before reaching retirement age. Indeed, our blog relayed this vital statistic just a few weeks […]

Earlier this month, our blog discussed how many employees likely made the prudent decision to secure disability insurance via their employer during the recent open enrollment period, understanding that while group disability insurance is typically less exhaustive than private disability insurance, some coverage is certainly better than none. Furthermore, we discussed these employees should derive […]

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Veterans Day is meant to honor and thank those who served in the United States Armed Forces. Unfortunately, respect for veterans does not always extend to them when they need it most.

While the start of the National Football League season is always greeted with great enthusiasm by fans across the nation, it took on added significance for many people here in Southern California this year. That’s because it marked the inaugural season of the Los Angeles Rams franchise, which has returned to the city — and […]

Earlier this week, our blog began discussing how the practice of “upselling,” meaning getting people to purchase more than they intended, is rampant in more than just the consumer realm, including even the critically important area of life insurance. In particular, we discussed how some insurance agents, eager to capitalize on a potential commission, might […]

No one likes to think about what will happen to them as they age. However, as uncomfortable as the topic is, Americans desperately need to plan for the future and assess their potential long-term care needs. In honor of Long-Term Care Insurance Awareness Month, here are key facts about long-term care that everyone needs to […]

The situation: An injury or illness has become a disabling condition that prevents you from working. You need to make a long-term disability claim to recover the financial resources you need to provide for yourself and your family during the difficult weeks, months, or years ahead. The solution: File a claim with your long-term disability […]

From browsing online reviews and consulting consumer comparison websites to reading company literature and talking with family and friends, everyone likes to think that they are in the best possible position when they go to purchase that new car, television or other big-ticket item. While it’s true that it can pay real dividends to be […]

Is it legal for insurers to follow you around without your knowledge or consent, and is any public place fair game for disability insurer surveillance—including social media? Because of the nature of social media—as a digital common where individuals produce, share, and consume information at lightning speeds—almost anyone can access the things you post, despite […]