If you find yourself making a disability insurance claim, it is your hope that you are able to work with the insurance provider, in a fast and efficient manner, to receive the benefits you deserve. There are situations in which this is possible. There are insurance companies that are able to move forward quickly, doing […]

Frank Darras appears on Health, Wealth and Happiness to discuss how to protect against the devastation caused by storms, earthquakes, tornadoes and hurricanes.

In Moore, Oklahoma, E5 storm had winds traveling more than 200 mph. 24 people died including nine kids. The storm course ran 17 miles and lasted 50 minutes.

Even when homeowners and renters protect against these storms, insurance companies often use shady tactics to deter, deny and delay claims.

When you put in a claim for benefits, the last thing you want is a denial, but that is sometimes what you end up with. Whether you think you are looking at a wrongfully denied individual disability claim or not, it is important to know what to do next. First of all, you need to […]

The Employee Retirement Income Security Act of 1794 may not be something everyone is quite familiar with; however, when it’s referred to as ERISA, more people have at least heard of it. According to the U.S. Department of Labor, ERISA “is a federal law that sets minimum standards for most voluntarily established pension and health […]

We’ve talked about the importance of having long-term care insurance to help cover nursing home care and other assisted living expenses if a person becomes too ill or disabled to care for themselves. The critical importance of this coverage in protecting older people from potential financial ruin is obvious in an example provided by a […]

Many states are well aware that workers could face a disability at some point. For this reason, they provide many options for these people, ensuring that they are able to deal with their troubles in the best way possible. According to the State of California Employment Development Department, if you are out of work due […]

There have been some recent appellate court decisions involving the Employee Retirement Income Security Act of 1974 and in what instances ERISA, a federal law, can supersede or pre-empt state laws when employees make claims against their employers. According to the U.S. Department of Labor, ERISA “sets minimum standards for most voluntarily established pension and […]

Our California readers, regardless of age, realize that they could become disabled at some point, which would make it a challenge, if not impossible, for them to work their day to day job. Insurance companies realize this, and do their best to provide consumers of all ages with long term care insurance. This cannot save […]

Our California readers, as well as those in other parts of the country, must realize at an early age that purchasing disability insurance would be in their best interest. This is a numbers game to a certain degree, meaning that consumers must consider the likelihood that they will become disabled at some point in the […]