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Frank Darras appears on Health, Wealth and Happiness to discuss what thrill-seekers need to know about insuring their risky activities.

Extreme sports have become increasingly popular over the last decade. With this rise in demand, however, comes a rise in injuries: extreme sports have been linked to more than 4 million injuries since 2000. What kind of activities are considered “extreme” and how does your insurance cover you for participating in these events? Tune in to find out.

If you have long term care insurance, it goes without saying you never want to make a claim. Knowing you can, however, will give you peace of mind. Like many, you may have questions about your long term care insurance. This is particularly true if you receive the benefit through your employer, along with others, […]

Every case is different, so there are many reasons that can be cited for a denied claim in California, but it all comes back to one central theme: The insurance companies would actually prefer to deny your claim, if possible. They go out of their way to find reasons why a denial can be used. […]

As a business owner, human resources professional or employee, it is important to have a solid grasp on benefits, including which ones are provided. Long term disability insurance is offered by many companies thanks to a variety of benefits. With this, employees are able to receive money, despite the fact that they are unable to […]

Subscribe to our podcast: On iTunes | On Stitcher Our needs can change throughout the year, and it is important to make sure your insurance policies accurately reflect those needs and provide you proper coverage. The beginning of the year is an excellent time to make these assessments. Frank Darras, founding partner of DarrasLaw, joined Gary […]

A study by Cigna of short-term disability claims provides some insight into the health of Americans. The study, which encompassed the period of 1993 to 2012, also reiterates what we’ve said here before — that disability can strike out of the blue at any age. Therefore, we should all have preparations, just in case. The […]

Many people throughout the country, including quite a few in California, realize the benefits of buying a long term care insurance policy. Those who don’t do so on an individual basis often receive coverage through an employer. Regardless of where your coverage comes from, you realize that filing a claim means something has gone wrong […]

Many of our California readers have individual disability insurance. Many others are thinking about buying this type of policy, as they realize it could come in handy if they are ever disabled and unable to work. While no two companies are the same when it comes to the process of filing a claim, the basics […]

Did you just receive a letter from your insurance company denying your individual or long term disability benefits? Unfortunately, you’re not alone. The end of the year is a busy time for denied claims and there’s a reason why. It’s important to remember that insurance companies are, first and foremost, businesses. When your claim is […]