Year: 2017

Chances are good most people have yet to devote a single thought to Tax Day 2020 since is still many months away. While tax considerations are not a priority right now, one’s situation can change fairly quickly. Consider what happens if you suddenly suffer a debilitating injury or illness. If the condition prevents you from […]

Technology has advanced considerably in terms of payment options. All it takes to complete various transactions is now a swipe, scan or click. However, many of us are still reaching for our checkbooks because everyone from landlords to daycare providers are reluctant to abandon this old-fashioned payment method. As we get further away from checking’s hay […]

Life insurance is an invaluable investment for people from all walks of life. The benefit is helpful regardless of whether you’re talking about term-life or whole-life policies. The former allows policyholders to financially protect loved ones in the event of their passing while the latter, provides this same death benefit plus an added retirement planning […]

What do dentists need to keep in mind when considering disability insurance? Experts indicate that dentists will want to consider only “own occupation” policies. The policies dictate disability occurs when the insured can’t perform the daily activities of their own profession. For dentists, own occupation policies are highly preferable to “any occupation” policies. The coverage […]

Anyone eligible to receive long-term disability insurance under an employer-sponsored plan or private insurance should know about “offsets,” the reductions in your benefits that can happen if you get other sources of income. Offsets are provisions in the policy that give your insurer broad permission to deduct other benefits that you are eligible to receive […]

The motivations for pursuing a law degree and, by extension, a law license are truly varied. For some, the desire is to see justice served, for others it’s giving a voice to the voiceless. Still others, however, are motivated by the promise of a reliable income. Whatever their inspiration, statistics show that entering the legal […]

Individuals in their 50s and 60s who are close to retirement feel both excitement and trepidation. The former relates to leaving the workforce, while the latter relates to longevity of assets. People have rightful concerns about health care expenses rapidly consuming their retirement savings. Is long-term care (LTC) insurance the answer? Experts aren’t always sold […]

Many hardworking professionals purchase disability insurance to safeguard against an illness or injury that renders them unable to work for an extended period of time and the financial uncertainty that follows. However, many policyholders do not revisit their coverage after they become insured, even as their income grows and circumstances change. Since disability insurance covers […]

On behalf of DarrasLaw posted in Long-Term Care Insurance on Friday, June 23, 2017. We’ve explored why insurers are reluctant to pay claims and the questionable tactics they use to justify denials. Our intent was to embolden policyholders, but it’s possible that you now have some uncertainty about your coverage. It’s important to remember that not […]

Care costs for the elderly are steadily increasing. Long-term care expenses not only includes medical outlays, but also the cost of living. While Medicare can be relied upon for some healthcare payments, there is no such guarantee in getting imbursements to cover living expenses. Incorporating long-term care insurance into retirement planning is a wise decision. Coverage can […]