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Long Term Care & Disability Articles
Below are articles you may find of interest in helping you understand Disability Insurance.
"Seamless" Disability Protection
Unfortunately, too many people discover the inadequacies of their Disability Insurance programs after they are already facing a lifelong
disability. Insuring clauses and policy terminology can make it difficult to truly understand the benefits. It's recommended that professional
advisors reduce their recommendations to everyday consumer terminology.
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Disability Dilemma: Group or Individual Coverage, or Both?
As recently as ten years ago, there were over 20 individual disability insurers competing with each other for expanding market share.
All were offering the most liberal forms of long term disability protection. The most popular definitions of long term disability covered
insureds in their own specific occupation to age 65. There were no policy restrictions for mental and nervous disorders and most professions
were fully insurable without restrictions.
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The Gross Revenue Disability Dilemma for the Personal Services Business
Disability Insurers have reported substantial increases in claim payments to attorneys in recent years. Studies show that the duration of long term
disability claims for professionals is extending for longer periods of time. And, recent reports show that mental disorders, alcoholism, and other "burnout"
ailments are particularly troublesome for members of the legal professions.
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Association Disability Coverage: Truth Or Consequences?
Regrettably, people all too often discover the inadequacies of their disability insurance after they've become disabled, or uninsurable. This happens all
too frequently with professionals covered by association LTD plans. Let's first look at some advantages of association plans...
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The Financial Shortfalls of Group Long Term Disability Programs
Company sponsored Long Term Disability (LTD) Programs typically insure from 50% to 70% of income. Industry experts note that 60% plans were the "norm" for more
than 90% of the corporations in the US in 1992. The average benefit nationally last year was approximately $5,600/month. Let's review the impact of a 60% monthly
LTD benefit in common situations...
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What Every Wife Needs Her Husband To Know...About Long Term Care and Long Term Disability
Let's first explore the need for long term care insurance and the "catch 22's". Regrettably, most of us will face our later years and be impacted in some way by the
need for elder care. Fifty percent of us will have to have some type of assisted care in our lifetimes. Almost 50%! If we're married, the risk increases to 70%! And,
if we have parents (and we all do), you'll understand why assisted care impacts every family.
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Choosing a Travel Agent for Your Disability
Just as you are unique with your special abilities, there's an ever-increasing number of travel agencies specializing in "disabled travel". As computers and on-line
reservations began to negatively impact the world of travel agents, the airlines began cutbacks on compensation to travel agents, adding insult to injury.
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Housing - Home Remodeling
Home Modification and Repair includes adaptations to homes that can make it easier and safer to carry out activities such as bathing, cooking, and climbing stairs and
alterations to the physical structure of the home to improve its overall safety and condition.
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What our Consumer's Disability Insurance Guide can help you with...
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•Tips on the most common mistakes claimants make....and how to avoid them
•Why your Doctor has to help you (and may not want to)
•The "dark side" of disability claims revealed
•Know when its time to, and when not to, consult an attorney
•Techniques on communicating effectively with your claims examiner
•Independent Medical Exams (I.M.E.'S).....Friend or Foe?
•Group LTD vs. individual coverage, which is better and when, the "Bottom-line" tips
•Experts tips on creating a "seamless" disability insurance program
•An Insiders Guide to purchasing disability Insurance
•Learn how Social Security impacts your group LTD benefits
•Understanding the "myth" of 60% LTD benefits
•Tax Free disability benefits, a little known strategy (IRS Private Letter Ruling #200305013)
•Consultants guide to filing your LTD claim "right" the first time
•Your right to question the decision made on your claim
•Key criteria for appealing Social Security disability claims
•How an RFC can improve your chances of collecting benefits
•Consultative Examinations, WHAT TO EXPECT
•Understanding the appeal process - what to do if your claim is denied
•Turned down once? Why you'll probably be turned down a second time!!
•Understand the benefits of Social Security video hearings
•When lump sum settlements can be "win-win"
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