Every year, the U.S. Bureau of Labor Statistics collects data on persons with disabilities from the Current Population Survey (CPS). The information comes from a monthly sample of approximately 60,000 households in the United States. Breakdowns are based on gender and age, along with employment status. Their annual study for 2016 revealed that if disabled […]

Legal disputes sometimes arise from dissatisfied customers of large, high-profile insurance companies. For example, Blue Cross Blue Shield of Michigan recently experienced a number of unhappy clients who pursued legal recourse. Over the past week, the business additionally faced another round of lawsuits with accusations of violating the Employee Retirement Income Service Act (ERISA). A […]

In 2015, more than 10 million Americans between the ages 18 to 64 received a combined $11.4 billion in monthly disability benefits. While the average check amounts are similar, state-to-state numbers of participants vary significantly, ranging from 8 percent in West Virginia to 2.8 percent in Hawaii. Nearly 8.9 million out of the 10.2 million […]

n 1994, the U.S. Congress passed legislation that provided a “presumption” to Gulf War veterans suffering from undiagnosed illnesses. Once the bill was approved, the afflicted individuals did not have to prove to the Veterans Administration (VA) that their medical issues were a result of military service. Twenty-three years later, the “gray areas” are creating […]

We all need insurance. It’s a basic necessity to protect us from accidents and unforeseen tragedy. Unfortunately, many insurance companies are experts at denying claims. In the event that you submit a claim, your insurance company may try to misconstrue your injuries, medical records, and even the events leading up to the moment you filed […]

We recently discussed how payment by check is a method not going away anytime soon despite technological advances. Though no longer the only payment format, checks are still preferred by many business owners – from landlords to utility companies. As people write fewer checks in this high-tech age, consumers are more prone to costly drafting […]

There are certain items on our to-do list that just never seem to get done. While some tasks involve physical labor or a significant time allotment, others duties don’t fall into the arduous categories. For example, “estate planning” or “disability insurance purchase” may have been on your to-do list for a long time. Many people are reluctant to […]

No one is immune and you are not alone. Substance abuse plagues people from all walks of life and remains a misunderstood form of disability. Not everyone believes that addiction and substance abuse should be considered a disability. One thing everyone can agree on is that substance abuse and addiction can quickly become a truly […]

We previously discussed why it’s so important to undertake long-term care (LTC) planning sooner rather than later. We also talked about how the unfamiliar language of LTC policies can make considering the coverage a challenge. Today we continue by helping you plan for your golden years. Specifically, we will examine the many options and price ranges available […]