Disability Insurance and Pre-existing Conditions
I quite often have to present a disability insurance offer to a client that has been issued with an exclusion for a pre-existing condition. My clients’ responses range from resigned consent to...
View ArticleShort-Term Disability Insurance for Individuals
Up until recently, there haven’t been any options for consumers looking to purchase individual short-term disability insurance. It has been a product that has only been available as a group policy....
View ArticleAre you Prepared for a Disability?
At some time during their working careers, 3 out of every 5 workers will suffer a disability and will be out of work for a considerable amount of time. That being the case, are you prepared for a...
View ArticleCounting on Social Security Disability Benefits?
I have given a lot of advice in the past about not counting on Social Security Disability benefits. Only a small percentage of claims are paid and, when they are, they often take a very long time to...
View ArticleThe Gift of Health and Disability Insurance
What are you giving yourself this year for Christmas? I know you have been busy purchasing gifts for others, but you should really give yourself a gift this year. If you don’t yet have disability...
View ArticleChoose Individual Disability Insurance
Individual disability insurance is a great investment for anyone whose income would cease or decrease if they were to become disabled. Statistics show that more people are likely to become disabled...
View ArticleHow Long (and Well) could you Live without a Paycheck?
In the most recent annual survey compiled by the Council for Disability Awareness (CDA), the data gathered from several sources indicate that the picture is much bleaker than I thought regarding most...
View ArticleDisability Insurance Recommended by Jim Cramer
I read an interesting article in TheStreet.com, which was a recap of a Mad Money show, in which Jim Cramer listed three crucial necessities that investors must take care of before investing in the...
View ArticleThe Importance of Disability Insurance
Why choose disability insurance? This isn’t an unusual question. After all, no one expects to become disabled. That’s exactly why disability insurance is so important. If you’re wondering if acquiring...
View ArticleAffordability of Disability Insurance
Wondering if you can afford disability insurance? While it’s understandable to be concerned about adding an additional expense to your monthly budget, financial statistics on long term disability...
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