We’ve previously discussed the importance of long-term care insurance as part of your overall retirement plan. The American Association of Retired Persons has a good amount of information about LTC insurance on its website. Amidst that information from AARP is a discussion of where people can go to obtain LTC insurance policies, many at discounted […]

Many of our California readers understand the benefits of buying disability insurance. This is particularly true among those who are older, such as when closing in on retirement age and realizing that they could be disabled at some point later in life. Then there are those who are younger, such as individuals in their twenties […]

In California and all across the country, it is very important for people to know about the Employee Retirement Income Security Act, which is commonly known as ERISA. It is there to protect them when they are setting up a pension plan or getting employee benefits, ensuring that businesses, even those that are privately owned, […]

Many of our California readers require disability insurance but they shy away from making a purchase because they are unsure of which steps to take or what to expect along the way. Insurance agents often promote numbers and statistics, trying to show people why they need to purchase disability insurance. However, it is often better […]

The majority of Americans believe that family members will care for them when they become old and less able to get around or care for themselves. Indeed, currently about 70 percent of long-term care is provided by relatives. The demographics of our country are changing, however. The title of a new study by the American […]

Recent graduates from high school and college need to be aware of their options for health insurance, renter’s insurance and life insurance.

College educations may cost more than $220,000 in today’s world and student loan interest rates are going to increase another full percent. College kids are being saddled with debt, so making responsible insurance choices is important.

In this episode of the DarrasLaw podcast, Frank Darras outlines some of the smart options that are available to recent grads and their parents too.

Many California residents don’t want to think about the prospect of requiring long term care in the future, but those who plan for this event are in much better position than those who overlook the importance. According to Census Bureau statistics, approximately four percent of people age 65 or older occupy nursing homes. Furthermore, almost […]

Fewer businesses are offering their employees long-term disability insurance as part of their employer-paid benefit packages. Many are still offering employees disability insurance plans, but workers have to pay for the plan themselves. That means that fewer Americans have long-term disability insurance, leaving them at risk for financial disaster if they become ill or injured. […]

Corporations know that they have to accommodate their employees with disabilities, like allowing a diabetic worker to take regular breaks to monitor blood glucose and insulin levels during the employee’s shift and allow them breaks to eat properly so that their glucose levels remain stable. So it is quite unusual that Walgreen Co. fired an […]