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Disability & Insurance Article Category 

Articles about or concerning Disability Insurance, Accident Insurance, Social Security, Disability Life Insurance.
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Understanding Long Term Disability Benefits and Your Needs

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 Quinn Barker (April 27, 2012)  Each year, thousands of workers become unable to work and long term disability benefits are meant to step in and provide help to those individuals. Yet, it is not always easy to obtain them. Sometimes, the courts can make it very difficult for individuals to obtain these benefits. In short, long term disability is meant for those who are unable to work and will likely remain that way .. (Disability)

Job Versus Occupation Becomes the Basis for Lina Long-Term Disability Denial

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 Gregory Dell (August 13, 2010)  When a disability attorney represents a client who’s disability benefits have been denied by an insurance company, it is vital that the attorney consider carefully which standard the Court will use to consider the disability insurance company’s denial. Will the Court consider the denial under the de novo standard which requires close inspection of the records as though they .. (Disability)

Standard Life: An Insurance Company Review

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 Lorne Marr (August 04, 2010)  I would like to present to you the life insurance plans of Standard Life, which I plan to follow up by a few more articles on life insurance offers of other companies. Now, I will dig into Standard Life’s Universal and Term Life, Universal Life policy and Term Life plans. The Universal Life plan:Applicants up to 80 years of age may take up Standard Life’s Universal Life. .. (Disability)

AXA Canada Term Plan Gives You More: The Disability Benefit

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 Lorne Marr (August 03, 2010)  AXA Insurance is a French corporation, founded in 1816. It has one of the best standings amoung insurance companies around the world. Only in Canada, AXA has a chain of over 4000 devoted brokers and agents coast to coast. They have over two thousand experienced workers who can help individuals to choose from a range of good whole, term, decreasing and universal insurance coverage and .. (Disability)

HARTFORD Wins Long-Term Disability Case Because Claimant Fails to Exhaust Administrative Remedies

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 Gregory Dell (April 12, 2010)  The case we are going to highlight in this article demonstrates how important it is to hire the right long-term disability attorney. A recent ruling in the Fifth Circuit Court of Appeals in the Southern District of Texas demonstrates that not every attorney knows how to fulfill their responsibility to their clients. Debra Swanson had to learn the hard way when she lost her case against .. (Disability)

Working harder, stressing more but will still neglect protecting our income

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 Sammy White (February 04, 2010)  We cannot deny it, our race, human beings are never satisfied, and we always want things faster, take fast food, faster cars, and even faster information. Our lust for things instantly has led us to huge technological advances but with this need for speed comes pressure, with all but instant information we all expect things to be done yesterday. We are working much longer hours with a .. (Disability)

Understand Disability Benefit Covered in Group Insurance Plan

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 Kyle J Norton (November 15, 2008)  Many corporations offer competitive packages, and that's even a strategy in hiring and retaining employees. These competitive packages include group insurance to plans that provide individual retirement accounts or traditional registered pension plans, etc. In this article, we will discuss disability benefit covered in group insurance plan. 1. Short term disability Short term .. (Disability)

The Benefits of Disability Insurance

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 Bernard B. (November 11, 2008)  Disability insurance has been labeled as another “necessary evil. " However, many don't even feel it's necessary. They just see it as evil. So why do I own disability insurance? It's simple. Just like life insurance, I am transferring the risk from me to someone, or something, else. Comedian Jerry Seinfeld has a bit that I like to relate to this topic. He wonders about the .. (Disability)

Disability Insurance 19 - Understand Individual Disability Insurance Occupation Classification

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 Kyle J Norton (October 13, 2008)  Rates charged will vary as to gender and smoking status. The classification may vary between companies and the number of classifications may vary from as few as five to twenty or more. Occupations are grouped into classification and under writing is restricted to proper occupation classification. Occupational classifications are rated on their morbidity exposure and based on the .. (Disability)

Disability Insurance 20 - Understand Corporate Disability Insurance

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 Kyle J Norton (October 13, 2008)  Corporate plans cover disabilities from both accident and sickness that provide benefit of long term and short term and it can be provided separately or joined seamlessly. 1. Short term and long term disability plans A. Short term plan includes a) The waiting period for disability benefits from an accident can be zero days, effective immediately. b) For sickness, there tends to be .. (Disability)

Disability Insurance 21 - Understand Types of Individual Disability Insurance

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 Kyle J Norton (October 13, 2008)  There are 3 types of individual disability insurance as follow: 1. Commercial Policy a) Premiums can be changed or canceled on an individual basis, usually occurring on the anniversary date. b) Restrictive clauses and exclusions can be added by amendment after issue. c) Contract wording may be prohibitive. d) This type of policy may be issued as an accident only policy, or as an .. (Disability)

Disability Insurance 16 - Understand Disability Insurance Riders

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 Kyle J Norton (October 11, 2008)  Disability insurance includes the following riders and benefits that allow the insured to customize the coverage to meet the exact needs of the insured. 1. Automatic insurability This rider if it is included in the policy allows the insured to increase the monthly benefit on specified option dates without providing medical evidence. The insured only needs to notify the insurer of their . (Disability)

Disability Insurance 17 - Why is Important to Have Disability Income Replacement Insurance

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 Kyle J Norton (October 11, 2008)  Since income earned from employment is the foundation of most people's financial well-being. Income replacement insurance is a vital part of business owner as well as working people as it allows the continuation of income in case of accident or sickness. Consultants/contracted employees and professionals, such as lawyers, doctors, dentists, etc are more vulnerable to income disruption .. (Disability)

Disability Insurance 18 - The Need For Disability Insurance

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 Kyle J Norton (October 11, 2008)  A lot of people are worried about what would happen in the event they were unable to work. In fact, the inability to work due to an accident or illness is something that frightens many people and is the main caused for the need for disability insurance. Statistics show that becoming disability prior to age 65 is a real possibility for large percentage of working people and one out three . (Disability)

Disability Insurance 15 - Disability Benefits Under Life Insurance Policies

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 Kyle J Norton (October 10, 2008)  Two main methods of providing disability income in life insurance policies are: waiver of premium and combination policies. 1. Waiver of Premium Many life insurance policies offer a “waiver of premium" provision in the event the policy owner becomes disabled during the term of the policy. A separate premium is payable for this additional coverage or rider. For tax purposes, the .. (Disability)

Social Security Disability Insurance - Why You Need to Research It

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 Marty Perdew (October 10, 2008)  The social security and supplemental income disability programs are the largest federal programs providing assistance to people with disabilities. Social security disability insurance pays you and your family benefits if you have worked long enough and paid enough social security taxes. Supplemental Security Income, on the other hand, pays benefits based on your financial need. There is . (Disability)

Medical Resident Disability Income Insurance - Protecting Your Cash Flow

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 John Massa (October 09, 2008)  As a medical resident, how long can you afford to be without a paycheck because you can't work due to illness or injury? Can you afford to literally burn through the majority of your savings over a period of months? Disability insurance is often the last thing on a medical resident's mind. Long, arduous shifts tending to the needs of countless patients can leave little room for anything . (Disability)

Disability Insurance 07 - Understand Disability Insurance Contract Wording of Total Disability

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 Kyle J Norton (October 09, 2008)  The main purpose of disability insurance is to to replace an individual's income should they be unable to work, helps to balance between personal earnings and expenses suddenly is upset, and the threat of financial disaster can quickly become a reality as a result of either an accident or a sickness. In this article, we will discuss the contract wording of total disability of disability . (Disability)

Disability Insurance 13 - Tax and Non Tax Perspective For Buy-Sell Policies

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 Kyle J Norton (October 09, 2008)  The main purpose of disability insurance is to to replace an individual's income should they be unable to work as a result of either an accident or a sickness. In this article, we will discuss the disability insurance tax and non-tax perspective for buy-sell policies tax. 1. Non-tax perspective if the corporation owns the policy and benefits are payable to the corporation, the benefits . (Disability)

Disability Insurance 14 - Disability Insurance For Wage Loss Replacement Plans

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 Kyle J Norton (October 09, 2008)  As we mentioned in the other articles, the main purpose of disability insurance is to to replace an individual's income should they be unable to work as a result of either an accident or a sickness. In this article, we will discuss the wage loss replacement of disability insurance. A Wage loss replacement plans normally requires that a Directors’ Resolution be passed that .. (Disability)

The Facts About Disability Insurance

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 Jo Thomas (October 09, 2008)  Disability cover is often passed by when looking for insurance. Although people will insure their estate and vehicles, they easily overlook the importance of insuring themselves personally against injury. Disability insurance pays funds when you can't provide for your family. Why do the majority of individuals pass by this kind of cover? While there is no way to know, it is often .. (Disability)

Social Security Disability - Why Disability Insurance is the Best

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 Becca Rode (October 09, 2008)  It takes an understanding of the basics of Social Security to submit an application to the SSA. Most people understand that Disability Insurance, or SSDI (sometimes called Title II) are for individuals who have worked in the past but are unable to do so anymore, or at least for an extended period of time. They also know that monthly checks will come from Social Security (if approved), .. (Disability)

Maternity Disability - How Moms Can Protect Their Income During and After Delivery

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 John Massa (September 19, 2008)  Extended absences from work due to disability during and after maternity have become an ever-increasing occurrence. According to a 2002 study, 29% of short term disabilities (180 days or less) and 12% of long-term disabilities are due to pregnancy. Pregnancy disability can turn a wonderful, life-changing experience into a serious financial challenge when Mom is out of work for months .. (Disability)

Group Disability Supplemental Insurance Plans For Income Protection

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 John Massa (September 12, 2008)  Much has been said about the inadequacy of group disability insurance plans offered by employers. For example, group disability plans generally have the following shortcomings: The plans pay up to 60% of regular income, however, all benefits are fully taxable, reducing take-home pay to roughly 42% of your standard paycheck. Group benefits are commonly reduced based income from other .. (Disability)

Young Mom Can't Work - Income Insurance Brings Single Mothers Help

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 John Massa (September 10, 2008)  Income insurance is often the last type of coverage on anybody's mind. This is even more so true for single working moms who have a world of concerns to address every day. Career moms, however, can have a real problem if they suddenly can't work due to illness or injury. When the paycheck stops, life can change very quickly. Dr. Carrie Birdwell is a single mom and practicing .. (Disability)

Social Security Disability - Start to Finish

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 Becca Rode (September 09, 2008)  There is plenty of advice and information about Social Security Disability online. The sheer number of resources and websites can be mind-boggling. If you are applying for Social Security (SSI or Disability Insurance), and just want the facts, plain and simple, this article is for you. Here we will discuss the application process, the appeal, the hearing, and what will happen if you are . (Disability)

Social Security Disability Benefits - Avoid Mistakes During the Process

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 Jitesh Arora (September 08, 2008)  The biggest mistake made by most claimants to social security disability benefits is that they wait for a very long period before filling in the application form on the false hope that their physical situation may get better in the course of time or they will be able to find a job which can be performed irrespective of physical weaknesses. Considering the fact that the processing time .. (Disability)

Social Security Disability - Benefits & Eligibility

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 Jitesh Arora (September 08, 2008)  Most people wish to work hard through their lives and lead a very cozy retired life. But many less fortunate ones among us fall prey to a plethora of physical and mental illness forcing them to rely on social security as their sole income source. Misfortune can strike anyone at any time without warning. So it is of paramount importance that one plan for any contingencies while he could .. (Disability)

Social Security & Disability Insurance

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 Jitesh Arora (September 08, 2008)  Social security disability insurance is an assistance scheme meant for providing a steady income for people who find it difficult to earn for them due to some adverse medical condition. The support is granted till such time the disability continues. In cases of chronic severe physical problems, it will continue till the time of death. The funds are garnered by way of income taxes from .. (Disability)

Social Security Disability Benefits - Retirement Benefits

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 Jitesh Arora (September 08, 2008)  The Social Security Disability schemes provide various kinds of assistance to the eligible. Once your case is considered a genuine one, benefits under various programs will start to make your life comfortable and unconcerned. The biggest payout under the scheme is made as retirement benefits. The worker pays social security taxes throughout his period of work and his work history and .. (Disability)

Social Security Disability Benefits - How to Apply

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 Jitesh Arora (September 08, 2008)  It has been found that there is reluctance on the part of many incapacitated and disabled persons to approach the authorities to claim social security disability benefits due to a certain kind of social stigma supposedly attached to it. But it is always better to apply for it in case you are unable to work and fend for yourself than to spend the rest of life in penury and misery. The .. (Disability)

Social Security Disability Benefits - An Overview

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 Jitesh Arora (September 08, 2008)  People with disability are omnipresent in every society. Some are born with disabilities and some become disabled during the course of their lives. No responsible society with a sense of service can close their eyes on these less privileged citizens. Benefits accorded to the disabled mirrors the commitment of societies to help everyone live a life of happiness. Progressive societies .. (Disability)

Social Security Disability Benefits - Eligibility Criteria

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 Jitesh Arora (September 08, 2008)  Social Security Disability Benefits are meant to help those who cannot fend for themselves. Some remain disabled throughout their lives forcing them to rely on external help permanently, but some more fortunate ones recover in the course of time and give up the free help. An aspiring applicant should clearly understand what the rules say in evaluating disability. A visit to the doctor .. (Disability)

Understanding Social Security-Disability Benefits

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 Jitesh Arora (September 08, 2008)  Disability is a state where a human being is rendered incapable to earn and look after oneself. In such a state it is imperative on the part of the community he is part of to make arrangements to see to it that the disabled are not let high and dry. Some countries dole out substantial amounts with no strings attached. This practice has its own drawbacks in that it is a huge drain on .. (Disability)

Do You Know Enough About Social Security Disability Benefits

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 Jitesh Arora (September 08, 2008)  The Social Security Administration adopts a five step formula to determine whether the applicant is meets the prescribed parameters of disability to be eligible for receiving social security disability benefits. The department has its own definitions about all the terms involved and the applicant has to fulfill all the parameters as per those definitions. The first step is to determine . (Disability)

Disability Evaluation Under Social Security

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 Jitesh Arora (September 08, 2008)  The Social Security Administration runs two concurrent programs, namely Social Security disability insurance program and the supplemental security income scheme. The former is meant for persons who have contributed to the Social Security Trust in the form of Social Security Tax, the latter is extended to people who are disabled to the extent that they cannot do productive work and have .. (Disability)

Avoiding Long Term Disability Insurance Migraines

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 David Wilkenson (August 13, 2008)  As if choosing an insurance quote out of hundreds or thousands available was not hard enough, there are several more migraines involved once you purchased long term disability insurance. The good thing is you are insured probably for life by investing in a long term disability policy; but there are quite a number of pitfalls associated with this benefit. Despite the several advantages .. (Disability)

Advice on Choosing Long Term Disability Insurance Companies

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 David Wilkenson (August 13, 2008)  Long term disability insurance companies provide a wider scope of options and benefits for bigger investors and policyholders, who plan to work together with the company to achieve their financial goals and objectives. By having long term protection, clients will be able to focus more on investing on themselves, after being assured that their businesses or professions are in good stable . (Disability)

Compare and Get the Best Disability Insurance

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 David Wilkenson (August 13, 2008)  Comparing disability insurance is an effective tool to determine that you are getting the most benefits possible with your invested premium payments. Do not just jump into an application because it promises huge reimbursements and non-taxable refunds. You may soon realize that you are actually paying more to maintain the premium, than reap the benefits by which you primarily bought the .. (Disability)

What This Spousal Caregiver Wish She Had Known About Disability Insurance

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 Olivia Emisar (August 09, 2008)  I speak from the heart when I write this article, I hope it benefits you and your family: Long term disability insurance was not part of our vocabulary. We never gave it a second thought, all of our employers provided it and we had a vague idea that it was necessary. We were healthy, young and strong. We did not pay attention to the standard forms that we signed and hence, our mistake. . (Disability)

How to Benefit From the Illinois State Nonoccupational Disability Benefit Fund

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 Paul Abbey (July 31, 2008)  Illinois is a state that operates a nonoccupational disability benefit program out of SERS funds. SERS stands for State Employment Retirement System. SERS operates a nonoccupational disability benefit fund for the benefit of those employed individuals living in Illinois State who become disabled. The eligibility criteria to obtain these benefits is that you must have completed at least . (Disability)

Advice For Parents of Children With Sensory Integration Disorder

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 C L Talbert (July 30, 2008)  Some children can overreact when exposed to too much environmental stimuli. This disorder involving the senses is called sensory integration disorder. If your child has difficulty in high stimulation situations and has a high level of anxiety or stress he may be suffering from this disorder. Sensory integration disorder can effect your child's learning development and behavior. It also .. (Disability)

Clearing the Muddy Waters of Social Security Disability

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 Al Zan (July 29, 2008)  There are many people out there that have questions about the Social Security Disability process, how it works, if they qualify and what to do. This process is one that can be extremely frustrating to someone that is unfamiliar with the laws or the process. If this is you, you are not the only one out there feeling that way. Here are some basic questions that we hear a lot and a few .. (Disability)

Leisure Time Entertainment For People in Wheelchairs

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 Janet Nicol (July 26, 2008)  Leisure time entertainment for people in wheelchairs ignites the spark of life. Whether you are looking for something to do at the end of a week of work, while on vacation, or little things to do during the day, there are lots of things to do at home and away. Find activities that relieve stress and are fun. Collecting is a hobby that would fit those requirements. Making a collection .. (Disability)

Finding Your Way Through the VA Benefits Process

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 Al Zan (July 24, 2008)  There are many veterans in our country that have no idea that they could be receiving benefits. Some veterans feel that they do not have any reason to receive benefits and others upon being discharged would rather leave that life behind. Plus, the laborious, seemingly endless application process can seem too daunting even to give it a try. But injured or disabled veterans have a right .. (Disability)

What is Cerebral Palsy?

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 May Sira (July 24, 2008)  Cerebral Palsy (CP) is a term used to describe a group of disorders that affect body movement and muscle coordination. The medical definition of cerebral palsy is a “non-progressive" but not immutable disorder of movement and / or position due to an insult or anomaly of the developing brain. Development of the brain begins in early pregnancy and continues until about three years. .. (Disability)

Living Frugally on Disability Income

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 Janet Nicol (July 20, 2008)  Living frugally on disability income is a necessity that brings the reward of being able to live on your own. Being a wheelchair user or having another disability does not mean independent living is out of grasp. By carefully managing your money and taking advantage of the government programs available, life can be comfortable in your own apartment. Living frugally does not mean going .. (Disability)

The Versatile Personal Alarm Also Helps the Handicapped

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 Susan Eaton (July 17, 2008)  It was brought to our attention recently that people don't only need personal alarms to prevent crimes. One particular gentleman purchased several personal alarms for his nursing home. Apparently these alarms don't only help in preventing crime but are also very handy for people that have physical limitations. Patients in his nursing home were each given a personal alarm to be used in .. (Disability)

Embracing Your Childs Disability You Have the Diagnosis, Now What?

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 Kevin O'Neil (July 17, 2008)  We have listened to dozens of parents tell us in detail their heartbreaking stories of how they first became aware of their child's diagnosis. Whether it was Down syndrome, Autism, or brain damage caused by oxygen deprivation during birth the sadness was there, though the reactions were varied. We can't remember exactly what happened or how we felt when we heard of Nicholas’ .. (Disability)

Considering a Lift Chair?

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 Brad Brubaker (July 15, 2008)  Whether due to illness, disease, injury, or age it is very difficult for many Americans all over the country to stand without assistance. Standing up or sitting down is something that sounds very simple, but if you are mobility challenged, then this task is not so easy. Often a caretaker is hired to help around the house because the individual can not stand freely. Other people must .. (Disability)




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