Some experts have found that people are too quick to give up when they file a disability claim and then are turned down. When that denial comes in the mail, it’s just so devastating that they decide not to do anything about it. However, you can put in an appeal for many reasons, so it’s […]

A new report indicates that some things have changed with regard to disability claims in the last decade while certain things remained the same. The report comes from insurance provider Unum Group. Among things that remained the same were the top reasons individuals claimed both long-term and short-term disability. The top reason for filing a […]

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June ushers in an exciting time in sports. As the top NHL, MLB and NBA draft prospects wait to see if their dreams of going pro come true, some will have one more thing to consider: if the draft doesn’t go well, could they join the lucky few who collected on loss of value insurance policies?

Are you thinking about filing a long term disability insurance claim? In this video, we explain the factors to consider before requesting claim forms, such as: How do you know if or when you’re considered disabled? Do you have difficulty with the primary or material duties of your occupation? Are your earnings plummeting as a […]

When it comes to your health, finances, and the future, you need to do whatever you feel is best. Regardless of the decisions you make, you must realize that you are in good position to deal with an uncertain future. For some, this means purchasing long term care insurance coverage. For others, it means considering […]

The Consolidated Omnibus Budget Reconciliation Act is more often referred to as COBRA, and it is an addition to the Employee Retirement Income Security Act of 1974. ERISA protects certain benefits of qualifying employees, and COBRA extended that protection to health care coverage. Specifically, COBRA provides a path for individuals who lose health care coverage […]

If you’re filing a disability insurance claim, your insurer will send a request to gather your personal information. How much information is too much to share? In this video, Frank Darras explains what insurance companies will ask for and what they’re legally entitled to.  

There are many benefits of purchasing long term care insurance. For example, this can kick in and pay some or all of your nursing home costs (should this be necessary in the future). While most people understand the benefits of long term care insurance, here is something that holds them back from buying: They don’t […]

When offered group disability insurance through an employer or other plan, many people turn down the chance to cover themselves for a future accident or medical issue. It’s not that people don’t want coverage — no one really wants to have to pay all of their own medical bills if something serious happens. Many people […]