It’s estimated that only 40% of American families and individuals have enough savings to cover at least three months of living expenses, and less than 30% can cover six months. The Council for Disability Awareness (CDA) also estimates that 25% of Americans will be...
Mental health advocates decry a decision by the 9th Circuit Court of Appeals impacting how insurers can process behavioral health claims. The latest decision in Wit v. United Behavioral Health involves mental health claims, but many fear the implications could also...
Regardless of your age, you’ve probably heard the phrase “suck it up” many times after suffering an injury -- unless it is obviously severe. That mindset is firmly ingrained in many of our brains. A strong work ethic will likely remain after suffering a disabling...
After enduring years of brutal contact during their NFL careers, 10 former players are suing the league over its disability plan, saying the system keeps them from getting adequate medical treatment. They filed the lawsuit three days before this year’s Super Bowl. The...
Millions of Americans live with chronic conditions that can’t be seen – so-called “invisible” disabilities. When an injury or illness not readily apparent keeps someone from working, their employer’s long-term disability (LTD) plan may cover their condition. However,...
A claim on accidental death & dismemberment (AD&D) insurance coverage usually comes at one of the most desperate times in the claimant's life. Either your spouse or other loved one has died in a terrible accident, or you have suffered an accidental...
Insurance companies are widely known for taking their sweet time about paying benefits for any reason. How badly you and your family need those benefits isn’t their concern, and they’ll typically do whatever they can to deny or delay payments. But if your long-term...
Few things are as stressful as suffering a debilitating injury or illness that prevents you from performing your job duties and earning a living. If your employer offers long-term disability (LTD) benefits and your condition is covered, you should be eligible for...
Employers usually offer long-term disability insurance to their employees. This type of insurance helps employees if they suffer an injury or develop a condition that keeps them from returning to work. If an insurance company approves an employee’s claim, they usually...
Employers sometimes offer long-term disability insurance as part of a group benefits plan, which provides financial help if you suffer an injury or develop a disabling medical condition that prevents you from working. Suppose your employer offers a long-term...