Many people who file disability claims have conditions that are verifiable through medical testing such as blood tests, x-rays, scans and biopsies. However, “self-reported” disabilities can be more difficult to prove to the satisfaction of disability insurance companies. According to the National Institute of Neurological Disorders and Stroke, which is part of the National Institutes […]

While most people have more insurance than they need to protect their homes and their belongings, many people are underinsured when it comes to protecting one of their most important assets — their ability to earn an income. That can be protected by long-term disability insurance. However, many people, particularly younger ones, don’t have enough […]

There are many issues facing people in retirement, including how they will pay for long term care without blowing through the money they have accumulated over the years. By 2030, there will be more than 70 million Americans who have reached the age of 65. For this reason, the number of people considering long term […]

The Employee Retirement Income Security Act of 1974 has just reached its 40th anniversary. President Gerald Ford signed it into law on Sept. 2 of that year. Many Americans have seen the term “ERISA” on various employee forms and other documents. However, few know exactly what it does for them. ERISA provides protections to workers […]

No matter how hard you try, or how healthy your lifestyle, there may come a time when you become disabled. Depending on when this happens and your employment status at the time, you may find that you are in a difficult financial position. If you get injured or ill and have disability insurance, you should […]

The NFL concussion lawsuit has evolved to include more money and plaintiffs than litigants envisioned just weeks ago. Learn why a federal judge refused to approve a $675 million settlement.

Quotes from the Show:

“Let’s remember, the NFL revenue this year is going to be 10 billion dollars. [The judge] hadn’t been convinced that the league had put up enough money to cover the lifespan of the deal.”

While many large companies still provide long-term disability insurance to their employees at no charge, others require employees to foot the bill via payroll deductions. Increasingly, employees are having to make their own choices regarding disability insurance, just as they are with retirement plan investments and health care plans. That requires some knowledge about this […]

Nobody wants to think about what would happen if he or she was injured or struck ill, making it a challenge for him or her to work. While you may think you are invincible, you never know when something bad could happen. There are many reasons why it is important to have a long-term disability […]

For employees in California who are getting employee benefits, it is quite important to know what is going to happen if the company that is supplying those benefits goes bankrupt. The first thing to know, before even looking at the employee benefits on their own, is what type of bankruptcy is being declared. Two of […]