Category: Disability Insurance By Career

Loss of Value (LOV) insurance is a little-known type of disability insurance designed to protect the future of elite, first-, second- or third-round draft picks. LOV specifically covers a student-athlete’s anticipated rookie contract value. Universities can arrange for the player or his family to purchase LOV insurance policies, which may kick in to supplement that […]

Nurses and nursing professionals dedicate their lives to helping and caring for others, but the occupation has significant disability risks. In 2015, NPR published a multi-part series on the injury epidemic among hospital workers, giving us an inside look at the physical demands of the profession, the long-term effects, and the causes behind them. Although […]

Maryanne Grande, a practicing registered nurse since 1985, worked at Saint Clare’s Hospital in Denville, NJ for ten years. Grande was assigned to a unit where half of the patients were stroke victims that required assistance with washing, bathing, dressing, walking and other daily activities. During Grande’s tenure, she suffered what would be multiple work-related […]

College athletes expertly balance rigorous and competitive sports schedules with full academic curriculums. Since some athletes expect or hope to play in professional leagues, their college life is extremely hardworking and demanding. Pressure mounts for athletes the moment scouts show up to any athletic event. For example, at a football game, the dynamic changes for […]

n 1994, the U.S. Congress passed legislation that provided a “presumption” to Gulf War veterans suffering from undiagnosed illnesses. Once the bill was approved, the afflicted individuals did not have to prove to the Veterans Administration (VA) that their medical issues were a result of military service. Twenty-three years later, the “gray areas” are creating […]

What do dentists need to keep in mind when considering disability insurance? Experts indicate that dentists will want to consider only “own occupation” policies. The policies dictate disability occurs when the insured can’t perform the daily activities of their own profession. For dentists, own occupation policies are highly preferable to “any occupation” policies. The coverage […]

The motivations for pursuing a law degree and, by extension, a law license are truly varied. For some, the desire is to see justice served, for others it’s giving a voice to the voiceless. Still others, however, are motivated by the promise of a reliable income. Whatever their inspiration, statistics show that entering the legal […]

Getting disability insurance is important in any profession. If you are unable to do your job due to a disabling illness or injury, or in some cases any type of work at all, the language in your insurance policy can mean everything. You need a way to carry on and maintain the lifestyle you have […]

Long-haul truck drivers are hardworking individuals who help to keep our country running. According to the U.S. Census Bureau, the trucking industry has bounced back from its recession-fueled decline, and the number of truck drivers is at an all-time high. Many truck drivers endure working conditions that most people would find intolerable. As a result, […]