Did you know that your health care policy probably doesn’t provide much in the way of long-term care coverage? Even Medicare, which is the coverage many people rely on for paying for medical needs in late life, only covers a small portion of the long-term care needs many people experience. This gap in late-life coverage […]

One of the primary benefits of working for a company, as opposed to yourself, is the ability to access a variety of benefits. This often means group disability insurance. While some people are excited about the opportunity to purchase group disability insurance, others begin to realize that this is not the best decision for them. […]

Our readers likely remember the collapse of Lehman Brothers Holdings Inc. and its filing for Chapter 11 bankruptcy, the largest ever, as one of the key actions that started the global financial crisis of 2008. Now, in one of the final remaining lawsuits stemming from the bank’s collapse, a Manhattan federal appeals court has decided […]

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As you make your way through your spring-cleaning checklist, don’t forget to dig out your insurance policies and look them over. Here are some of the reviewable elements of your home, life and auto insurance policies discussed in this episode.

If you’re filing a long term disability insurance claim, every form you complete and action you take matters. Insurance companies will look for any valid reason to deny you benefits; if you’re not careful, you may provide them with the information they can use to invalidate your claim. Learn more about the most common reasons […]

You have the opportunity to purchase long term care insurance at any time. Even so, many people don’t think about this when they are young and healthy. Instead, it only comes into play as they grow older and begin to think about the need for specialized care. But here is something to remember: You will […]

When you say that someone is disabled, the common assumption from many people is that the person must be in a wheelchair, using a cane, using a walker, or unable to get around. This is a very inaccurate assumption, which is why it’s important to show that disabilities can be much more complex than that. […]

  Did you know that an estimated 400,000 Americans have multiple sclerosis, and 200 new cases are diagnosed each week? Multiple sclerosis, often referred to as MS, is a chronic disease that attacks the central nervous system. There are several types of MS, including: relapsing-remitting multiple sclerosis (RRMS) primary-progressive MS secondary-progressive MS progressive-relapsing MS The […]

When you purchase disability insurance, you do so with the idea that it could cover a variety of expenses should you lose income as the result of an illness or injury. You may believe that you only need one or the other. But before you decide to purchase one type and forget about the other, […]