Many laypeople aren’t aware of many of the clauses and requirements in their long-term-care insurance policies. Insurance companies, however, know them all too well and will invoke them. The cost to policyholders can be huge and potentially financially ruinous. One such case involves a 96-year-old Nebraska widow and the long-term care insurance policy she and […]

Frank Darras appears on Health, Wealth and Happiness to discuss how to protect against common travel woes during a holiday trip.

The countless snags you could encounter with your travel plans can be expensive. There are numerous travel insurance options for everyone and every way we travel that can ease the worry those expenses bring.

There are additional ways to protect yourself from the stresses of travel, year-round, before you even leave home.

It is easy to believe that all insurance companies are similar in the way they do business. While this may be true as far as some details are concerned, it is not the case across the board. It is important to know the company you are dealing with when it comes time to make a […]

The 2014 Consumer Disability Awareness Study, which was just published by the Council on Disability Awareness, shows some disturbingly-unrealistic beliefs among people when it comes to the need for disability insurance. There was a stark contrast between workers’ perceptions and reality that show why it has been referred to as the “forgotten insurance.” Shockingly, over […]

December 14 marked two-year anniversary of the Sandy Hook massacre in which 20 first grade students and six teachers were gunned a young mentally disturbed man. The television show “60 Minutes” took the opportunity to air a segment that night on the problem of insurance companies denying mental health care. The segment, called “Denied” discussed […]

Approximately 24 significant earthquakes, with a magnitude of greater than 3.0, occurred in the United States in 2014, according to information from the U.S. Geological Survey. Eleven of those earthquakes were in California. Fortunately, officials plan a debut of California’s earthquake early warning system to some schools, fire stations and private companies. After nearly a […]

There are many benefits of having group disability insurance, including the ability to make a claim if you find yourself physically or mentally disabled and unable to continue to perform your job as expected. Unfortunately, not all claims, especially those associated with mental health, are treated in the same manner by insurance companies. This can […]

As the end of the year approaches, it seems like good time to discuss the tax advantages of long-term care insurance. Both federal and state governments have implemented tax incentives for those who purchase LTC insurance to lessen the strain on Medicaid as baby boomers enter their senior years. Better still, the deductible limits are […]

As a working professional with individual disability insurance coverage, you hope you never have to make a claim. If you find that you do, it means you have been disabled and are now looking into your options for collecting benefits. Since you pay for coverage, month in and month out, you expect the benefits to […]