Did you know that according to the American Journal of Public Health, two-thirds of all bankruptcy filings are at least partially caused by medical problems? It causes huge financial distress because of the high cost of care, as well as the missed work due to injuries or illnesses. Differences: LT Care Insurance vs. LT Disability […]

As your children head back to school this fall, insurance is probably the last thing on your mind. However, having proper insurance coverage for you and your children should be a key factor in your back-to-school preparedness. Whether your children are preparing for their first day of kindergarten or heading off to college, make sure […]

There may come a time when you decide to shop for a long term care insurance policy. Some people do this early in life, while others continue to put this off. Many factors come into play when shopping for coverage. Not only will you consider your situation, but insurance companies will examine many details to […]

If you need to file a long-term disability claim, there are some very important things that you need to know to help ensure that you provide a claim that is free of errors and credible. This will help you get the benefits that you need and deserve for as long as you’re entitled to them. […]

When you make an insurance claim, such as for disability benefits, you hope your carrier will understand your position and help you move through the application process in a clear and efficient manner. Unfortunately, insurance companies are not in the business of paying out every claim they receive. Instead, there are times when they put […]

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Did you know that 6 in 10 Americans who rent their homes don’t have renter’s insurance? It’s one of the most necessary but undersold types of insurance. In this episode of the DarrasLiving podcast, we discuss what renter’s insurance covers, who it’s ideal for and how much it actually costs.

Many people do not get disability insurance because they do not think that they will ever need it. However, others are mistakenly under the assumption that if any disability or illness keeps them out of work, they are covered by their employer, either through their sick leave policy or through their benefit plan. Some employers […]

The Employee Retirement Income Security Act of 1974, known as ERISA, is a law that most workers are unfamiliar with. In short, this federal law sets standards for pension and health plans as a means of providing protection. Under ERISA, employers are not required by law to establish a pension plan. However, those that decide […]

Being diagnosed with cancer is a tragic event for anyone. For people who are income earners for the family, this diagnosis is especially tragic if they are unable to keep working because of the illness. Some employees might benefit from learning a bit about different types of disability payments that might help them to make […]