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Should you supplement your ERISA LTD policy with your own?
An advantage of having employer-sponsored insurance policies is that you can typically get them for far less than it would cost to get your own. This is particularly true when it comes to disability policies. It can be reassuring to know that you have a…
2 tips when you’re filing a disability insurance claim
Disability insurance protects workers who are unable to work due to their medical condition. Employers offer this insurance type as a short-term disability (STD) policy, covering you immediately, or a long-term disability (LTD) policy, replacing your income should the condition keep you from working beyond…
Are AD&D policies from the bank worth it?
It seems like every other month you get the same notice in the mail from your bank or credit union: A free offer of a $1,000 accidental death and dismemberment (AD&D) policy – just in appreciation for being their customer! All you need to do…
Can you still get compensation for non-catastrophic injuries?
Even a simple broken arm seems catastrophic when it impacts your well-being and ability to earn. However, insurance companies and even courts might not share the opinion that your injury is catastrophic. Rest assured that you can get the settlement you deserve even when those…
What qualifies as a short-term disability (STD)?
Many employers offer short-term disability (STD), a type of insurance that pays a portion of an employee’s salary when they are temporarily unable to work. STD benefits are payable at about 50%-100% of someone’s pre-disability earnings. These benefits are either covered by an employer or…
3 signs a disability insurance company deceived you
If you have taken out disability insurance coverage on your own, you will need to work directly with the insurer. This includes obtaining information about the policies and paying premiums. Individual disability insurance can supplement a plan you get through work. It’s also essential for…
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