Many employees receive disability insurance through an employer sponsored plan. But as a professional, you might buy your own. Medical professionals, lawyers and executives often pay for individual disability insurance (IDI) that can provide broader benefits. Yet, the costly premiums IDI plans carry may seem…
Pensions are more secure due to the Employee Retirement Income Security Act (ERISA). Your insurance claims under ERISA may appear complex, but with the right resources it can secure you the help you need. According to the Department of Labor, the IRS oversaw private pension…
There are several different types of long-term disability insurance, and the details of your policy may have a significant impact on the appeals process if your claim gets denied. If you get your LTD insurance through your employer, chances are that your claim falls under…
Being named as the beneficiary of someone’s life insurance policy may provide you with helpful benefits including financial support and stability. If your loved one has passed away and you are anticipating receiving benefits from his or her life insurance policy, understanding the requirements for…
If you are joining a new company, you might be given the opportunity to purchase short-term disability or long-term disability insurance policies as part of your benefits and compensation package. If you are a business owner or a self-employed person, you may also be investigating…
Long-term disability insurance is one of the benefits your employer may offer. While many employers will pay a portion of the costs for you, you may have to cover the full expense. This may have you wondering if it is worth it to get this…
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