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Published: Sun, 18 Mar 2018 23:21:28 -0500


What Type of Disability Insurance Is Right for Me?

Tue, 27 Feb 2018 07:07:04 -0600

In the event of an accident, injury or illness that prevents you from working, disability insurance provides you with a percentage of your income. But not every disability insurance policy is the same. In fact, almost all of them will compensate different percentages of your income (generally between 50 and 70 per cent), along with different elimination periods and benefit periods.

Under 65 Disabled Medicare

Tue, 20 Feb 2018 07:12:10 -0600

Many questions come up with it comes to Medicare, let alone when you are under 65 and disabled. The steps of the things you need to do or the things you know are not quite as clear as you would like it to be. If you do not register everything within a window that the government provides, you could be penalized. The penalty will be costing you more money than you had expected. Someone who qualifies for SS Disability income has a waiting period of two years before eligible for Medicare A and B. This could be a long time to wait if you need insurance.

Perks of Consulting With a Claims Adviser

Mon, 21 Aug 2017 07:55:23 -0500

When it comes to insurance claims, the process is often a lot more complicated and stressful than people would imagine. Whether we are talking about a business insurance claim, or a personal claim, insurance policies are by nature complex and without expert knowledge policies are often misunderstood, or clauses misinterpreted, resulting in a pay-out amount that is lower than what is fair.

The Insurance Science of Disability

Thu, 04 May 2017 07:05:59 -0500

If you are young and healthy, you probably have given little thought to the notion of disability insurance. Most employees in this age-range may even scoff it off as negligible in view of their youth. But no one can guarantee that sickness or illness will not disrupt a life once devoid of it. Get the facts here and see for yourself the true benefits of disability insurance coverage.

What To Do When Facing A Social Security Disability Judge

Sun, 23 Oct 2016 08:59:40 -0500

There are so many reasons as to why people apply for social security disability benefits. Unfortunately, not everyone who applies enjoys an approval and you might be among the lucky ones who manage to file for a hearing before a judge successfully and actually win your case. When you finally get your appointment to the court, you want to make sure that you present yourself in the best way possible to increase your winning chances. Here are a few pointers of what you can do to help you get the best results from the disability hearing.

What Makes A Good Social Security Disability Attorney?

Thu, 25 Aug 2016 12:47:16 -0500

Disability claims can be tricky and really exhausting, especially when you lack the necessary support. Fortunately, social security disability attorneys offer you all the necessary services to win your claim. They give attention to detail so that all facts are gathered and carefully developed to favor you in a court of law. This is, however a process that only the best social security disability attorneys can successfully handle in confidence and you should therefore make sure that you select one who is best placed to represent you. How then do you tell which one will be the best for your case?

What To Expect From Your Disability Lawyer

Thu, 25 Aug 2016 10:08:36 -0500

When dealing with a disability, there are so many procedures that are required by the federal government in filing claims so that you can get the benefits that you rightfully deserve. It is an experience that can be physically and emotionally draining. Legal support from your disability lawyer can prove to be very beneficial during this difficult time in your life.

Myths About Disability and the Need for Disability Insurance

Fri, 27 May 2016 07:22:05 -0500

People with physical problems are a familiar site. In wheelchairs or on crutches, blind or even deaf we have all crossed paths with a disabled person as some stage in our lives. What do you feel when you see a disabled person?

How Will Cuts in Disability Benefits Affect You?

Wed, 10 Feb 2016 08:37:45 -0600

When I faced the harsh reality of having to return to work after long-term illness my first priority was to find an income that didn't involve me going back into the job that made me ill in the first place! The decision not to return to the workplace was easy enough, replacing the income was a little harder.

The One Key Report That Will Win a Social Security Disability Case

Thu, 10 Dec 2015 06:41:33 -0600

A Social Security disability case can be a life or death matter. There is one medical report that can make a difference.

Five Tips on Testifying Before the Social Security Judge

Tue, 01 Dec 2015 13:20:52 -0600

There are some tips one should know if you are testifying before a Social Security Judge on your disability case. These are five of them I deem important.

Workers Comp Insurance Fraud: Business Situations, Injuries, Medical Claims and the Unlawful

Fri, 20 Nov 2015 15:03:12 -0600

Of the entire industry related to indemnity, it is workers comp that is affected by some of the most fraudulent claims. See how workers lied and how they were caught in the act.

How a Denied Disability Lawyer Can Assist You

Thu, 27 Aug 2015 10:11:44 -0500

Have you been denied disability claims? This is not the end of your options-in fact, if you disability claim has been denied, a good lawyer can assist you.

What Every Social Security Disability Attorney Wants You to Know

Fri, 26 Jun 2015 06:41:20 -0500

Many people have found that using a Social Security disability attorney is not only helpful with the required paperwork, but also time efficient. You may find the same to be true for your claim process as well. Learn more about what these professionals want you to know.

How to Claim Veterans Disability Benefits

Thu, 07 May 2015 07:13:40 -0500

The federal government offers veterans disability benefits. Learn about the process for determining if you are eligible to claim this compensation.

A Guide - Professional and Business Owner Disability Insurance Planning

Wed, 22 Apr 2015 15:31:37 -0500

You can not buy proper home insurance if your house is on FIRE and if you wait until you are sick or injured to look at your Disability Insurance contract, the fine print may surprise you. 1 in 3 Canadians will become disabled for a period of more than 90 days at least once before the age of 65. For those that are disabled for more than 90 days the average length of that disability is 2.9 years. Despite the statistics, many professionals in business owners often overlook or delay proper disability insurance planning.

What Is the Most Important Insurance You Can Have?

Tue, 17 Mar 2015 10:42:20 -0500

Many will go through life insuring what is so important to them. I'm sure you can name some of them: Auto/Home/Boat/jewelry/computers/business/etc. At claim time you expect them to perform and get a replacement or to at least put you back to where you were. In order to have these things that you love, you have to produce an income. This is important because income is required in order to have everything else, including supporting your family. However people take it for granted. How will you maintain your family's current standard of living if you become too sick or hurt to work? If you do not protect your income, you could lose everything.

Self-Employed Disability Insurance - Protection for Business Owners

Tue, 10 Mar 2015 09:59:22 -0500

There are a number of advantages to being your own boss which include the freedom to set your own schedule, control over client and business relationships along with a feeling of liberation. Losing the safety net of employee benefit program offered by many larger employers can be challenging and sometimes costly. Buying disability insurance through a group plan will have lower rates, no medical exams and no financial underwriting but once you leaving the group plan for self-employment, the rules change!

New Bills in Mississippi Senate Call For Insurance Coverage for Autism

Fri, 27 Feb 2015 12:33:07 -0600

Children with autism, and their parents, are faced with difficult challenges. Helping their child receive treatment is even harder for parents when it is not covered by health insurance.

How a Disability Attorney Can Help You With Your Case

Mon, 02 Feb 2015 09:13:38 -0600

When a disability prevents employment, Social Security benefits can help support you. A disability attorney can improve your chances of approval.

How to Apply for Social Security

Tue, 08 Jul 2014 08:30:26 -0500

You can go ahead with your disability claim immediately. You need not wait for an appointment. You can apply online.

Smart Way To Protect Your Unemployment Days With Income Protection Insurance

Mon, 30 Jun 2014 12:48:56 -0500

The policy wills payout till retirement, lifespan or till the time that you can return to work. It pays out a percentage of the earnings which is usually 50% to 70%.

Disability Insurance Myths and Facts

Tue, 20 May 2014 15:30:46 -0500

When people think of insurance, they think of life insurance, or auto insurance, or homeowners insurance. Rarely do they think about disability insurance (DI), yet this is a vital part of a person's insurance portfolio. The odds of a person experiencing an extended disability due to illness or injury during their working life is remarkably high: about 25% of the population will suffer a disability that will put their income at risk. This article discusses some myths and facts surrounding disability insurance.

Coming Out Ahead When Losing Your Ability To Earn An Income

Tue, 29 Apr 2014 13:16:30 -0500

Nobody wants his or her income to be taken away. If we had total control over our future, like a crystal ball, we would never worry about money vaporizing one day. One in three people will lose their ability to earn an income prior to the age of 65. The fact is, we do not know what can or will happen to us. Life can change in a moments notice and your income and your future could dry up really fast. Are you prepared?

How Will You Maintain Your Business If You Can't Work Due to A Serious Injury or Illness?

Thu, 10 Apr 2014 08:07:21 -0500

The type of insurance that helps maintain a business while the primary revenue generator is convalescing is called Business Overhead Expense (BOE) Disability Insurance (DI). The probability that a person will become disabled for three months or longer is a little over 25%, which puts a business at risk of insolvency in the event the business owner cannot work. This article discusses the key reasons for purchasing BOE, what it covers, the benefits, limitations, and the factors that go into calculating a premium.

Lessons From NY Disability Fraud Case

Wed, 09 Apr 2014 14:51:33 -0500

It's important to point out some lessons from the big NY disability fraud case. There are methods you insurance case managers can use to figure out who is being less than honest on a disability claim.

Know About Social Security Disability Insurance - Do Not Be Defrauded

Wed, 26 Mar 2014 10:10:26 -0500

Social Security Disability Insurance is a state mandated insurance policy aimed at protecting employees who get disabled and cannot work for one year or more or whose disability may result in death within a year. The cash benefits are paid to workers who prior to disability earned enough work credit; it may also be paid for eligible family members.

Choosing an IME or Choosing an FCE

Thu, 20 Feb 2014 13:09:23 -0600

This a summary about the differences between IMEs and FCEs. Both are important Disability Services that people in disability insurance use.

The Importance of Having Disability Insurance

Tue, 11 Feb 2014 06:46:04 -0600

We can never be fully certain about our life and what will happen next as the days go by. One minute we may be okay, but we cannot accept the same circumstance the next. This is why it is important to have an insurance plan that allows for us to anticipate the future with certainty in our hands. More specifically, there are a lot of benefits of having a disability insurance at our disposal.

What Is an Independent Medical Examination for a Disability Insurance Claim?

Thu, 23 Jan 2014 12:52:36 -0600

Independent Medical Examinations (IME) are used for evaluating disability insurance claims. This article will give a brief explanation of what IME is used for and it will tell you how to pick the right Disability Services company for your claims.

When Is the Best Time to Get Sick or Hurt?

Tue, 29 Oct 2013 09:38:44 -0500

I often hear the objection from potential clients, "Now is not a good time." While it's understandable that the past five years have been financially challenging the question I often ask is, "When will it be a good time?" However this question sounds like I'm begging the point.

PTSD Disability Insurance - Sorry No More Psychological Excuses, Suck It Up Soldier, Deal With It

Fri, 06 Sep 2013 06:06:16 -0500

It is just amazing the number of military men who are getting out of the military and then claiming PTSD and garnering a lifetime of benefits. I always thought that war is hell, and it is a high-risk profession, one which comes with the highest honor - sacrificing your time, and sometimes your life for your country. I grew up in a military family. I get it. Okay so, let's talk about something which has been bothering me for quite some time.

A Little Concerned With Military Disability Benefits - Let's Talk

Fri, 06 Sep 2013 06:06:04 -0500

Not long ago, I picked up a local military base newspaper at a local coffee shop not more than a quarter mile away. In this paper there was an insert. The Flyer read "Military Appreciation Day" and it asked if the reader if they suffered from Headaches, Neck Pain, or Back Pain? Or, if you suffer from pain or numbness down arms or legs? Also, if you've been to a doctor but still suffer from pain. Then it noted that the local "Spine and Rehab" center.

Disability Insurance In the Public Sector - A Policy Gone Unchecked

Fri, 23 Aug 2013 06:09:14 -0500

Private Insurance companies are serious about rooting our disability fraud cases and fake lawsuits these days, things had gotten so out of control in the 80s and 90s they had no choice. It was bankrupting small companies who could not handle the premium costs. When the economy took a hit and layoffs were imminent at all levels of business mom and pop and at corporations also, many employees saw the writing was on the wall, pink slips are coming, so they quickly devised a plan to jump ship with a disability claim life boat.

Assure Your Family's Well Being With Income Protection Insurance

Thu, 27 Jun 2013 08:29:10 -0500

The sole motto of an individual is to make sure that his or her family is leading a comfortable lifestyle. With a view to sophisticate their lifestyle, you might be willing to work extra hours, take up tedious tasks and sacrifice your personal interests for the greater good. When you are so keen about ensuring your family's well being, it is also important to secure their future in case you are unable to work for a short or prolonged period of time.

3 Types of Disability Claims

Wed, 22 May 2013 10:50:26 -0500

There are three types of Disability claims that can be made. Make sure that you hire the best personal injury lawyers in the state to get your benefits as quickly as possible.

Carpel Tunnel Court House Office Worker and Hard Work Ethic - Case Study

Tue, 14 May 2013 07:57:30 -0500

In a world where 35% of those on disability aren't really all that disabled and are actually able to work, it's nice to see someone who does have an excuse but refuses to take it. In fact, I met someone like that not too long ago at a local area coffee shop. I was so impressed with this very nice young lady, I wanted to make mention of it to all my readers.

Workmen's Compensation and Disability Fraud Is Huge - It's Bankrupting Us In Fact

Tue, 16 Apr 2013 08:02:22 -0500

Perhaps you didn't realize but workmen's compensation fraud is huge and you'd have thought that by now the authorities would have stopped all that, but you know the trial lawyers own the game, big money there. We ought to throw some of these damn lawyers and doctors in jail too. Remove some of these licenses.

How to Apply For Disability Insurance

Tue, 02 Apr 2013 15:44:58 -0500

Some employers will provide disability insurance as a part of their employee benefits package, however those individuals who are not provided with coverage at work may be able to secure disability insurance on an individual basis. This article provides a summary of the process of applying for individual disability insurance.

Does Short or Long-Term Disability Insurance Provide Greater Value?

Tue, 26 Mar 2013 14:09:17 -0500

Many employers offer both short-term and long-term disability insurance as a part of their employee benefits program. Perhaps for this reason, when consumers look to purchase their own individual coverage, it is common that they look for both short-term and long-term policies. This article aims to assist consumers with deciding which coverage type is most important.

How Much Disability Insurance Should I Have?

Tue, 19 Feb 2013 15:22:45 -0600

It is important to consider the proper amount of coverage to maintain when purchasing an individual disability insurance policy. This article touches on some important issues that consumers should consider.

Learn More About Disability Insurance And Its Types

Fri, 08 Feb 2013 10:27:43 -0600

Disability Insurance (DI) is a program that insures the beneficiary's income against his disabilities. The traditional plans often put a maximum limit on the benefit any high-income earner can get. So, the payments can be comparatively lower for these people in terms of percentage of their earnings. However, there are several different types of this plan from which people can choose the one that suits them best.

Why Guaranteed Renewable Disability Insurance Makes Sense - Sometimes

Mon, 04 Feb 2013 14:26:00 -0600

The process of purchasing an individual disability insurance policy can be intimidating due to the number of policy features and optional riders available. While it is extremely important to understand the various features offered, this article will strictly focus on two renewability provisions (non-cancelable & guaranteed renewable) and the circumstances in which they may make sense.

Ensure Your Critical Illness Cover Is Valid With Full Disclosure

Mon, 21 Jan 2013 10:46:24 -0600

Here I write about the importance of fully disclosing all relevant information when applying for a life & critical illness insurance policy. None disclosure of even minor details can leave you with a worthless policy which could result in the rejection of any claim you make to the insurance provider.

Purchasing an Individual Disability Insurance Policy for Physicians

Tue, 08 Jan 2013 13:40:55 -0600

The current market for purchasing individual disability insurance for physicians is very competitive. There are a number of insurance carriers offering comprehensive coverage and for this reason, physicians should carefully evaluate their options before purchasing coverage. This article explains why physicians should be cautious and diligent throughout the purchasing process.

Social Security Expands Compassionate Allowances List

Wed, 02 Jan 2013 13:15:01 -0600

This month the Social Security Administration placed an additional 35 Compassionate Allowances conditions in effect, bringing the total number of conditions in the expedited disability process to 200. The Compassionate Allowances program is a way to quickly identify diseases and other medical conditions that meet the Social Security standards for serious illness disability benefits.

Exeter Family Friendly Income Protection Reviewed

Thu, 29 Nov 2012 12:38:00 -0600

Overview of Exeter Family Friendly income protection insurance. Common characteristics of income protection with Exeter Family Friendly.

Income Protection Insurance Buyers Guide

Wed, 28 Nov 2012 15:45:13 -0600

A buyers summary into Income protection insurance in the UK. What is income protection insurance? Are all policies the same? When will it pay me? Where to buy?

Food, Water And Disability Insurance - The Essentials of Life

Wed, 28 Nov 2012 13:51:26 -0600

The ability to earn an income is your most valuable resource. What are the odds of you becoming disabled, and cant earn a living before retiring?

A Basic Break Down of The Definition of Total Disability

Wed, 28 Nov 2012 13:39:21 -0600

This article provides consumers with a break down of the definition of total disability in an individual disability insurance policy. The article addresses the importance of understanding how "total disability" and "your occupation" are defined, so that consumers may better understand the circumstances under which a policy may pay benefits for total disability.

Independent Agents - Frontline Defenders Against Premium Fraud

Tue, 13 Nov 2012 09:38:13 -0600

Workers' compensation insurance premium fraud has long been a serious problem in Florida and across the country. When business policyholders falsify company data to reduce their premium, it has negative financial and legal ramifications for everyone, including independent agents. But equipped with the right information, agents can play a key role in identifying and preventing from policy fraud.

Continuing With Your Mortgage Payments During Illness

Fri, 02 Nov 2012 14:18:05 -0500

People can be put off by the cost of mortgage protection insurance but this can be made more affordable with a little planning. Especially when tailor made to fit alongside other possible sources of income, such as sick leave, holiday pay and emergency savings. Mortgage protection insurance differs from a lot of critical illness type covers, in that it is much more comprehensive and does not limit your cover to a specific list of conditions.

What Professionals Need to Do When Filing Disability Claims

Thu, 01 Nov 2012 12:06:40 -0500

This is the third article in the 3 part series written over the past several months. Article 1: "What's Really at Stake for Professionals Filing Disability Claims?" In article 2 "What Professionals Need to Consider Before Filing a Disability Claim, we presented the scenario of Dr. Wade Sharpe, a cardiologist who had 3 LTD policies when he became disabled with carpal tunnel syndrome, and the issues and decisions he faced before filing his disability claims. In this third and final article "What Professionals Need to Do When Filing Disability Claims" we discuss how Dr. Wade Sharpe assessed the issues and the conclusions he reached on how to proceed to file claims for benefits under his 3 long term disability policies.

Can I Get Both SSDI and SSI Monthly Cash Benefits?

Fri, 26 Oct 2012 10:47:06 -0500

If you can't work because of medical disabilities and you need financial help, you may be eligible for cash benefits from the federal government. You could get monthly disability benefits from both the Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) programs. But, each program has very specific eligibility rules. Do you qualify?

Poor, And Disabled!

Fri, 19 Oct 2012 17:17:44 -0500

Has anything catastrophic every happened to you? Where your life changed in an instant? Did you wake up in a hospital bed, not knowing where you were or how much time passed? It happened to me. I never thought I would suffer from Spinal Cord Injury. In this article, I share real life stories of those stricken by paralysis, who also have the painful burden of not being able to financially afford it.

Income Replacement For Sick Business Owners

Thu, 04 Oct 2012 11:28:07 -0500

If you are the business owner and you become sick, how are you, or the business for that matter, going to be able to pay for that? Typically, a business owner is needed in their business in order for it to function. When a business owner becomes sick the business suffers. Many business owners never think about this until it is too late. Just like most insurance programs, we cannot buy it after the fact.

Disability Insurance and Why It's Needed

Wed, 26 Sep 2012 14:21:06 -0500

Disability insurance and your career go hand in hand. Building any career calls for the investment of time and money; however, a career built through sheer hard work alone is never safe.

Are You Protected If Injured?

Wed, 19 Sep 2012 09:35:49 -0500

If you were injured or became seriously ill, and were no longer able to work, how would you pay your bills? Paying your monthly mortgage payments could be almost impossible.

Work-Induced Injury and Disability Benefits

Thu, 13 Sep 2012 08:56:31 -0500

The permanent partial disability benefits can transpire as an aftermath or result of occupational and workplace injury. A permanent partial disability is when damage is assessed in medical examinations, has the possibility to be permanent and can occur in long period of time, but provided that the employee is still able to function to work. In this circumstance, under the laws of workers' regulation of salaries and benefits, the employee is permitted and is certainly has the right to receive a permanent partial disability benefit expenditures.

Enhancing Disability Income Insurance With Long Term Care

Mon, 10 Sep 2012 13:20:16 -0500

What's less expensive than disability insurance, easier to underwrite, doesn't require a blood test, not occupation sensitive, pays a cash benefit, doesn't require income verification... and doesn't stop at age 65 or 70 or even when you stop working? Answer: Long term care insurance with an indemnity "cash payment" rider.

Farm Health Insurance

Mon, 10 Sep 2012 13:16:07 -0500

Farm Health Insurance is certainly a priority for any individual who finds their livelihood from farming or working the land in some form. Working and living on a farm might just sound like the ultimate in wholesome existences. Nevertheless, you will find only two occupations which are much more hazardous; working in mines deep underground and truck driving.

Disability Insurance: It's a Necessity

Fri, 07 Sep 2012 10:03:40 -0500

Think for a moment about your life and what it would look like if you could no longer work. If you were injured on the job, or if you became ill and needed long-term treatment, what would happen if you were unable to perform the functions of your job for weeks, months or even years? How would you pay your bills?

How to Choose From Disability Insurance Companies

Fri, 07 Sep 2012 09:58:45 -0500

There are several companies that are offering long term care insurance. These companies offer a broad range of selections and benefits for policy holders and business investors alike. When choosing from a long list of insurance providers, make sure that you opt for a company that is capable of providing you with the most reliable and affordable insurance policies.

Disability Claims Study and Review

Wed, 05 Sep 2012 09:15:04 -0500

The Council for Disability Awareness 2011 claims study identifies many aspects of both current and ongoing claims. The data, unbiased, is independent 3rd party, relevant information on the why's, who's and how much's of disability usage. Also included are trends and statistical data compelling us to protect our largest asset; the ability to earn an income. My review of the data is included with pertinent "touch point" observations.

How to Save Up to 50% Buying Income Protection Insurance

Fri, 31 Aug 2012 12:13:48 -0500

Whether you are young and single, paying off a mortgage, raising a family or running a business, income protection insurance is possibly one of the most important insurances that you will ever own. In this article we'll examine a key strategy you can use right now that guarantees to save you a lot of money on your income insurance premiums, year after year, without forgoing your financial security.

Disability Insurance for Self Employed

Wed, 29 Aug 2012 14:31:11 -0500

A lot of people work for another person or company, so their insurance coverage is paid for each week or month straight out of their paychecks. They are likely to sit back and relax thinking they are covered entirely.

Individual Disability Insurance - Be Prepared

Mon, 27 Aug 2012 10:56:35 -0500

Whether it is an accident or an illness, all types of unforeseen events happen every day. These types of things help encourage one to take a good look at individual disability insurance.

Top 7 Questions to Ask When Evaluating Income Protection Insurance

Fri, 24 Aug 2012 16:03:23 -0500

If comparing income protection insurance options was simply a matter of comparing prices of the various policies on offer, it would be a relatively easy task. But with the large number of policies in the market - all designed with different outcomes in mind, the job can be quite complex for the uninitiated. In this article I have identified what I think are the main things that you might consider, in conjunction with price, to ensure that you are getting true value for your insurance dollar.

What Professionals Need to Consider Before Filing a Disability Claim

Thu, 23 Aug 2012 15:46:08 -0500

Before filing a disability claim, especially high-income professionals need to thoroughly understand the policy definitions and benefits, and what documentation is needed to get their claim(s) approved. Given the complexity of the claim filing process, engaging a professional disability claims consultant helps level the playing field, so you get the benefits you are entitled to.

10 Traps to Avoid When Comparing Income Protection Insurance

Wed, 22 Aug 2012 15:09:08 -0500

You may think that it's better to have some form of income protection insurance than none at all but, for a large proportion of people, their income protection insurance arrangements may not live up to their expectations when it really matters... at claim time. So, whether you are considering income insurance options for the first time or reviewing your existing income protection plan, here are some important things that you might want to watch out for.

Disability Insurance: Accidents Happen

Wed, 22 Aug 2012 10:34:36 -0500

When attempting to get a disability insurance quote, you must look at a benefit to cost analysis. You must make sure you purchase enough coverage to ensure in the case any unforeseen illness or injury, you and your family are covered and would be able to survive financially until you recover.

How Do You Know If You Should File a Disability Claim?

Wed, 22 Aug 2012 10:08:10 -0500

Understand your disability insurance and how to know if you should prepare or manage a claim for benefits. Employer sponsored, Private Individual Disability insurance and the way claims are evaluated can be reviewed by a 25 year veteran of Fortune 100 Disability Insurance Companies. Difficult and varied issues will benefit from early consideration to help you determine the right path to take. Help yourself ensure that the Insurance Company will have an immediate positive perception of your claim by acquiring expert insight early. Professionals, substance abuse, Behavioral Health and partial claims are specialties. All claims deserve fully knowledgeable evaluation but you must provide it to the Insurance Company.

Positive Aspects of Disability Benefits: Odds Are You Need Them

Fri, 17 Aug 2012 10:53:36 -0500

Disability benefits differ from business to business and from state to state. Such insurance coverage provides an individual with funds to assist them during times of unemployment due to a disability.

Buy Disability Insurance - Don't Get Confused

Wed, 15 Aug 2012 10:22:01 -0500

It is common for individuals to get confused when comparing all of the different insurance types out there. Why are there so many? What are they all for?

Best Disability Insurance - What's Right for You?

Fri, 10 Aug 2012 12:56:30 -0500

To find out what is the best disability insurance for you, it is important to understand what is available and what best suites your life. Finding the right coverage with the right premium used to be quite difficult. Today, however, there are many options at your disposal.

Do I Need Income Protection

Mon, 06 Aug 2012 15:41:13 -0500

I have developed this guide to provide you with some information to help determine whether you should obtain income protection. I have attempted to make this analysis simple and to the point, so that you can make an informed choice.

What Should Be Included in Critical Illness Cover?

Mon, 06 Aug 2012 10:47:23 -0500

According to the ABI, or Association of British Insurers, critical illness cover is essentially an insurance that pays out when the criteria on the policy is met on what it specifies as a critical illness, including advanced cancer, a heart attack of specified severity and strokes resulting in permanent problems. As with all insurance policies the wording is key and the reading of the small print vital.

Later May Be Too Late

Fri, 03 Aug 2012 13:47:29 -0500

This is an account one woman's personal, heartfelt journey. In this short, true story, the author discusses how she came to realize how important disability insurance could be in the wake of a tragedy.

Business Overhead Expense Insurance - Does It Make Sense?

Tue, 17 Jul 2012 14:29:16 -0500

Business Overhead Expense Insurance Plans can provide cash flow to the business in the event of a disability to a key employee or owner. For a small, growing company it might make the difference between staying afloat and going under.

How to Know If You Qualify for SSI Disability

Thu, 05 Jul 2012 12:09:27 -0500

One of the most helpful government programs out there is the SSI Disability program. A person that is legitimately disabled, and cannot work to provide an income for themselves for their family because of it, may be able to apply and get approved for a monthly check that they can then use to cover their expenses and live.

From the Disability Application to Assistance, What You Need To Know

Thu, 05 Jul 2012 12:08:44 -0500

It is an unfortunate reality that sometimes terrible things happen and we are left unable to work. Although things like the disability application can seem very difficult to get through you still need to care for yourself and your loved ones. In all of the chaos of attempting to fight for your rights it is important that you understand the things that you will need, are entitled to and what the process will entail.

Should I Apply for Social Security Disability Insurance Benefits?

Mon, 02 Jul 2012 11:38:39 -0500

If you can't work due to a medical condition, you may be eligible for disability benefits through the Social Security Administration. Before beginning the application process, there are some things to know first.

Protect Your Paycheck and Your Family

Thu, 28 Jun 2012 15:53:43 -0500

Life takes a toll and moves at the speed of light. Over time we focus on priorities that are more immediate than others. With certain things, since there is no immediate pain, we tend to put off until it becomes more important to us. Hopefully, it's not too late.

Making Sense of SSI Disability

Tue, 12 Jun 2012 11:48:15 -0500

The SSI disability program or the Supplemental Security Income program is designed to help blind, aged, or disabled people who don't have the means to help themselves. The program only covers those with a low income and it will give them what they need to survive.

Protecting Our Democracy With Knowledge

Tue, 12 Jun 2012 11:46:45 -0500

Our idea of citizenship tends to focus on the rights implicit in it, but citizenship is more defined by duties than by rights. We are required to play a role, as watchdog and as advocate, which demands that we remain consistently informed. If we don't think of a major department, such as the Social Security Administration, until we're collecting social security or filling out a disability application, then we are not meeting our civic obligations.

Our Most Valuable Asset

Mon, 11 Jun 2012 11:18:47 -0500

We talk a great deal in my business about asset accumulation, asset diversification, and asset allocation, but we don't spend enough time talking about the one asset that makes it all possible... our ability to generate the income that allowed us to accumulate those assets. However when you look at how few people seem willing to protect that income, it seems clear that the message isn't getting through.

Disability Application: Understanding It

Thu, 31 May 2012 10:30:50 -0500

You are never too young to start considering what it means to have to go through the disability application process. There are several types of disability application, some associated with social security and others associated with on the job type events. In both cases, you should know what you are getting into before starting.

A Brief Summary of SSI Disability

Thu, 31 May 2012 09:30:09 -0500

If you are 65 years or older, blind or disabled, and have limited income and resources, you may be applicable for SSI disability coverage. Certain conditions apply for applicants, which we will cover in this article.

How Long Can I Keep My SSDI Benefits Once I'm Approved?

Thu, 17 May 2012 09:56:25 -0500

You have finally succeeded in getting approved for Social Security disability insurance (SSDI) benefits. However, could they ever be taken away? It's certainly understandable to feel anxious about that, especially if it took a year or longer to get your money.

Get a Long Term Disability Insurance Quote

Tue, 08 May 2012 17:50:28 -0500

A long-term disability insurance quote involves policy coverage that lasts for years. In most cases, this long-term service is determined by the efficiency of the insured. If the insured is perfect in premiums payment, the insurer will like to offer services for long-term. It is a reliable service that protects your family from the financial problems that can arise in case one is not able to work. Remember that if one is disabled regardless of the age, getting a job is difficult. This is a fact that should be taken into consideration when one is already in an active employment.

Important Information About An Online Disability Insurance Quote

Tue, 08 May 2012 17:48:52 -0500

There is a need for everyone to understand the services rendered by the online sites that act as brokers for insurance services. There are many sites that give online disability insurance quote services. They are totally different from the other health insurance agencies in their operations. These site or brokers do not make sales on behalf of the heath insurance companies online. They only take part in giving assistance to customers who need quality insurance services. Their role is finding an appropriate pathway towards the reliable and dependable insurance companies.

Miscellaneous Insurance Products Can Contribute Towards Your Financial Freedom

Fri, 04 May 2012 14:40:09 -0500

Everyone knows why they should have life, auto and homeowners insurance. You should also consider some of these lesser known, but just as important insurance products.

Appealing Your VA Disability Claim at the CAVC

Fri, 04 May 2012 13:54:19 -0500

As a disabled veteran, did you know that you have the right to fight back if the Department of Veterans Affairs (VA) denies your disability claim at the final level of your appeal? You can take your case to the United States Court of Appeals for Veterans Claims (CAVC) in Washington, D.C.

If You Could Only Buy One Insurance?

Mon, 30 Apr 2012 08:48:26 -0500

The United States insurance marketplace allows you to buy plans to cover your pet, home, car, business, life, boat, crop, rugged good looks if you're and actor and voice if your a singer. But If you could only buy one plan the best choice would be Disability!

Five Considerations for Medical Residents Purchasing Disability Insurance

Mon, 16 Apr 2012 11:19:31 -0500

Medical residency is a time that many young physicians begin considering the purchase of an individual disability insurance policy. This article provides five important considerations for medical residents interested in purchasing disability insurance.

Disabled Veterans Unable to Work Can Get A 100 Percent VA Rating and Full Benefits

Fri, 30 Mar 2012 10:17:49 -0500

If you are a disabled veteran who can't work, you could be entitled to full disability benefits from the Department of Veterans Affairs (VA) even if your current VA rating is below 100 percent. You could get Total Disability based on Individual Unemployability (TDIU).

Social Security Disability and the Importance of Your Prior Work

Fri, 30 Mar 2012 09:00:11 -0500

In a Social Security case, one's prior work can sometimes determine if a case is won or lost. Thus, it is important to detail exactly the details of prior work.

Advantages Of Taking Up Individual Disability Insurance Cover

Thu, 29 Mar 2012 13:16:22 -0500

Among the advantages of having individual disability insurance is financial support and help that is issued to your family members by the social security. Employers can secure this type of cover for their workers.

What to Expect When Applying For Individual Disability Insurance

Thu, 29 Mar 2012 09:38:41 -0500

This article provides an explanation of what consumers should expect when applying for individual disability insurance. The application process can be long, but having an understanding before hand and setting expectations appropriately will facilitate the process.

What Professionals Need to Consider When Purchasing Long Term Disability Coverage

Thu, 22 Mar 2012 07:33:47 -0500

Long term disability insurance is a necessity for high-net-worth professionals to protect their dignity and lifestyle, should they ever become disabled. It is imperative that they make the time needed to research the benefit options and their suitability for them. Professionals need to customize their plans each time they apply for benefits. As changes take place, they need to adapt disability coverage based on their needs each time they increase their benefits. If they ever do become disabled and need to file a claim, the value and importance of the time they spent to gain an understanding as to what benefits would be most suitable for their needs will never be regretted. Find an insurance professional who specializes in selling disability insurance to guide you through the process and work with you as your career progresses. Should you become disabled, filing a disability claim can be fraught with unusual hurdles and potential landmines that can jeopardize your ability to collect the benefits in accordance with the policy provisions. Then, should you ever become disabled, consider the assistance of a professional Disability Claims Consultant who has the expertise to help claimants through the complexities of the claims filing process: