For many individuals in California, the day may come when their health fails and they can no longer care for themselves. Unfortunately, having enough money set aside for covering long\-term care costs can be difficult. This is where long-term care insurance comes in. Around 70 percent of individuals who get to age 65 are going […]

Private employers’ retirement plans in California and elsewhere are regulated by the Employee Retirement Income Security Act of 1974. Although this law focuses mostly on retirement plans, it has provisions that affect disability insurance plans offered by private employers as well. Understanding the protections afforded by ERISA is important for protecting one’s rights. First, according […]

People in California and elsewhere often complete their disability applications by themselves. However, the paperwork can be complicated, and having someone familiar with the process to help you can make the difference between obtaining benefits or having your claim denied. Insurance companies will use any excuse possible to deny benefits, and they will scrutinize all […]

The youngest baby boomers in the United States, including in California, are currently in their 50s, and there are 70 million baby boomers. With the life expectancy in America being almost 80 years old on average, the demand for long term care insurance can be viewed as a strategy for protecting assets. With this type […]

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Thanksgiving marks the beginning of a busy holiday season, which comes with a unique set of hazards. In this podcast episode, we discuss insurance tips to help you have a safe Thanksgiving, whether you’re staying home and entertaining guests or traveling far distances to spend time with loved ones.

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.