Disability and Long Term Care Advisory

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. Click for more...... Disability Dilemma: Group or Individual Coverage, or Both? 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 exclusions for mental and nervous disorders and other restrictions. Which form of coverage is best for your clients today? Click for more...... 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. Click for more...... 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... Click for more...... The Financial Shortfalls of Group Long Term Disability Programs Company sponsored Long Term Disability (LTD) Programs typically insure 60% of income, the "norm" for more than 90% of the corporations in the US. Let's review the impact of a 60% monthly LTD benefit in common situations... Click for more...... 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 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. If we're married, the risk increases to 70%! And, with elderly parents, you'll understand why assisted care destroys family relationships. Click for more...... 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 "accesABLEtravel". As computers and on-line reservations negatively impacted the world of travel agents, accessABLE travel obstacles added insult to injury. Click for more...... 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, climbing stairs, and alterations to the physical structure of the home to improve its overall safety and condition. Click for more......

What Getting Paid can help you with...    •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 "seamless" disability coverage    •Learn how Social Security impacts your group LTD benefits    •Understanding the "myth" of 60% LTD benefits    •An Insiders Guide to purchasing disability Insurance    •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"

ElderCare Publishing Co., Inc. 181 Wells Avenue, Newton, MA 02459 Phone: 617.630.0700 | Fax: 617.969.3495 Email: allan@eldercaresurvival.com