When it comes to insurance, there are two basic definitions of “bad faith” depending on whether you are speaking of the first party insurance or the third party insurance. For the first-party insurance, bad faith is defined as the refusal to pay a claim without properly investigating the claim in a timely manner or without […]

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As we prepare for 2016, many of us will forget to do one very important task: review our insurance needs. While many Americans may remember to review their health insurance plans, other options will not receive a second thought.

“[T]he majority of dental hygienists are like slow motion train wrecks; their bodies are ready to derail without much provocation.” – Anne Nugent Guignon, RDH, MPH Unlike the job of a police officer or a roughneck on an oil rig, the job of a dental professional doesn’t seem very risky, does it? But that’s not […]

The latest drugs available for Hepatitis C have some very high cure rates. Unfortunately, the cost of these drugs is very high, too. It’s also one that some healthcare insurers are not willing to pay. In four states, a recent study found that about 16 percent of patients who submitted a prescription for Solvaldi or […]

If you suffer an injury or illness and are unable to work for an extended period of time, one of your primary concerns is obviously how you will support yourself and your family. That’s in addition to how you will pay for medical care, physical therapy and other costs involved with your treatment. If you […]

Imagine this situation: you have made a disability insurance claim, and hope to collect benefits in the near future. Even though you may qualify for benefits, it doesn’t mean your insurance company will feel the same way. Instead, they could continue to put you off, hoping that you simply go away. Known as the delay […]

If you could prevent identity theft from happening to you, would you do it? The answer seems obvious, but Bankrate reports that most Americans still engage in behavior that puts their information at risk. According to the Federal Trade Commission, approximately 19 people fall victim to identity theft every minute. Everyone faces the risk of […]

It’s important to have insurance to help you if you become disabled or ill to the point where you cannot take care of yourself and/or work for a long period. Many people assume that this possibility is a long way off. However, it can happen at any age to anyone, regardless of how healthy they […]

Americans are currently choosing their employee benefits for the upcoming year. One employer-provided benefit that too many people neglect to take advantage of is long-term disability insurance. Many companies offer this insurance to their employees at a very low rate and without the possibility of being turned down because of pre-existing conditions. No matter how […]