Four nurses start the conversation on what needs to change in their profession and you can continue it. What changes would you like to see? Our work with registered nurses (RNs), certified nursing assistants (CNAs) and orderlies throughout the years has led us to understand that reform is needed in the nursing profession. Health care […]

If you have long-term disability insurance, there may come a point when you are presented with a buyout opportunity. Before you agree to a lump sum buyout, it is important to be aware of the terms and conditions. Once the buyout is complete, you are no longer in a position to receive payments from the […]

When workers sign up for long-term disability insurance under their employer-sponsored plan, they believe that they are making a prudent choice for themselves and their families to protect part of their income if they become ill or injured and unable to work. However, collecting benefits when they are needed may be an unexpected struggle. A […]

Many people who see themselves as young and/or healthy decide that they have no need for disability insurance, even if it is offered by their employer. However, the statistics simply show otherwise. In particular, joint-related and musculoskeletal-related disorders have increased in recent years, according to insurance data provided by Unum Group. In the five years […]

Some people are familiar with disability insurance, as they have purchased an individual policy. Others are familiar because they receive this benefit through their employer. And then there are those who are unsure of what this coverage has to offer. As confusing as it may sound, there is no reason you shouldn’t be able to […]

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“Here’s your diploma….welcome to life.”

It’s graduation season. You or your loved one is preparing for what happens after turning the tassel, but how far ahead have you thought?

A Louisiana woman has filed a lawsuit against the benefits division of her employer as well as an insurance company for cutting off her long-term disability benefits at the beginning of 2013. She is claiming breach of duty and alleging that the denial of her benefits violates ERISA law. According to the plaintiff, just over […]

An epidemic of injuries among nurses has spurred some government officials to consider increasing worker protection through stricter regulation. What laws aim to further health care worker safety in the near future? Nurses, certified nursing assistants (CNAs) and other health care workers suffer approximately 9,000 injuries every day, an injury rate worse than for those […]

Do you have individual disability insurance? Are you ready to make a claim? If so, there is more to the process than contacting your insurance company and telling them you should receive benefits. Instead, there is an application process that requires your full attention. If you don’t properly fill out your disability application, you could […]