Over half of the states in the U.S. have enacted or are implementing laws that ban discretionary clauses in insurance contracts. Another federal judge has upheld the law in California. These laws are designed to raise the scrutiny level that insurers must undergo when they deny a claim for benefits. The fact that the judge […]

When you’re filing for disability benefits, you may have the option of choosing a one-time, lump-sum payment from the insurance company. While this may sound like a great idea at the moment, you should give yourself time to consider all of the facts. If you accept a lump-sum buyout, you will not have a disability […]

When you apply for disability benefits, you expect to receive your benefits. When the insurance company denies your claim, you may feel helpless and angry. You know you have a right to your benefits, but you may not know how to pursue them. At DarrasLaw, we help those who have been denied their disability benefits. You […]

Do I need disability insurance coverage? Yes. Why? Answer this question: If an injury or medical condition left you unable to do your current job or earn a living in your chosen field, do you have a plan to keep a roof over your family’s head and ensure the bills continue to be paid? If […]

Long-term care refers to the help or care that people with chronic and debilitating illnesses and other conditions need on a daily basis—over a rather lengthy period. Long-term care ranges from assistance with simple activities (such as bathing, dressing, and eating) to much more high-level skilled care that nurses, therapists or other professionals provide. Long-term […]

In 2013, disability claim payments totals were $9.8 billion. This is an increase from the previous year by 1.6 percent. According to the 2014 Council for Disability Awareness, there are more employers offering long-term disability insurance benefits plans. Of the companies that participated in the annual CDA member Long Term Disability Claims Survey in 2013, […]

What do physicians, surgeons and dentists have in common? Besides being in the medical field, these are occupations that are not thought of as being physical jobs. This couldn’t be further from the truth, as many medical professionals have their careers significantly altered or even ended by injuries. This was illustrated in recent days in […]

With the health insurance insurance in upheaval over the last couple years, many people do not know what to do if their claim is denied, or if they are dropped from their insurance carrier. While there are no guarantees of success, the good news is that if you have been denied a claim or been […]

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Most adults know the importance of life insurance; after all, one in three households would have immediate trouble paying living expenses if the primary wage earner died, according to the 2016 Insurance Barometer Study by Life Happens and LIMRA.