The odds of dying are about 1 in 100 in any given year, but the odds of being disabled are about 1 in 10.

Disability insurance is just as important – perhaps even more imperative – than life insurance.

Quote from the Show:

“The odds of a 20-year-old [is] 1 in 4 that they will become disabled and unable to work before reaching the age of 67.”

Many of our California readers look at their home as their biggest asset, however, they are overlooking the fact that their health is more important. Without the ability to work, you are unable to earn the money necessary to support yourself and your family. In the event of a disability, it is important to be […]

There are plenty of ways to save money in the nation’s new healthcare system, but they aren’t always apparent.

In this interview, Frank Darras, America’s Top Disability Lawyer, discusses simple ways to save hundreds — or thousands! — on healthcare in 2014.

Quote from the Show:

“A lot of us take medications. Lipitor comes in a 20mg tablet. The cost for a 20mg supply is about the same as a 40mg tablet. You can split them* [40mg tablets] and save about $1000 a year.”

*Always ask your pharmacist first.

As we’ve discussed before, the cost of long-term care insurance is rising. As middle age and older Americans struggle to keep up with cost of living increases, that insurance is too often dropped or never obtained in the first place. It may seem like a luxury now, but not having long-term care insurance can mean […]

There are many insurance companies offering long term care insurance coverage to local residents. While some are able to find an affordable policy, others realize that making a purchase is a difficult task. Even if you know it is the right thing to do, buying long term care insurance is easier said than done. One […]

Many people think that long-term disability insurance is just one more needless expense. However, those who depend on their income to help support themselves and a family needs it. In fact, our ability to earn an income is probably our most valuable financial asset. Why wouldn’t you protect that, just as you safeguard other assets […]

If you knew what the future held, it would be easy to purchase the appropriate type and amount of insurance. However, this is not how life works. You never know what the future holds, which is why you should consider the many types of insurance that can keep you safe in the event of a […]

The manhunt for Boston Marathon bombing suspect Dzhokhar Tsarnaev ended with FBI agents spraying a Boston man’s boat with bullets. With the boat owner’s $50,000 watercraft destroyed, he learned that his insurance policy would not cover the damage.

Lawful police activities are generally not covered under umbrella insurance policies.

It sounds incredible, but bullet holes and other forms of damage resulting from law enforcement are not typically covered as “vandalism” under insurance policies.

In this interview, Frank Darras, America’s Top Disability Lawyer, discusses terrorism insurance and damages caused by law enforcement. Scott Sloan of WLW700 Cincinnati leads today’s discussion.

Many Americans choose not to get long-term care insurance because they assume that their spouse or other family member will take care of them if they become ill or disabled. A recent poll by The Associated Press-NORC Center for Public Affairs Research reflected that assumption by people in their 40s and older that family members […]