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Buyer Beware: “Own Occupation” Insurance May Not Be Precisely That
Buyers of disability insurance must be aware that there is no regulation regarding the various terms used in individual long-term disability insurance. The definition of “own occupation” stated within one provider’s contract is not necessarily the same as another’s. As is typical for most of us, the consumer is not likely to read an entire [...]
Continue reading...Fibromyalgia and Social Security Disability Insurance
11. March 2010
Fibromyalgia, a sometimes terribly disabling syndrome, is, unfortunately, something many of us – myself included – find ourselves having to deal with. For those whose fibromyalgia is severe enough to keep them from working consistently, it may become necessary to seek Social Security Disability Insurance (SSDI).
The following are the five steps involved in determining if [...]
Is Aflac the Insurance It’s “Quacked” Up To Be?
5. March 2010
Most people would probably agree that the Aflac duck is adorable and a great marketing tool; what everyone can’t agree on is whether or not it’s wise to choose one of their many insurance policies.
Aflac, a Fortune 500 company based in Columbus, Georgia and founded in 1955 by the Amos brothers, Paul, Bill, and John, [...]
Making Sure You Have Disability Insurance Coverage Should You Be Unable to Work
9. February 2010
The odds of sustaining a personal injury severe enough to prevent you from working are astounding – thirty percent of individuals between the ages of 35 and 65 will be disabled enough to prevent them from working for an average of 90 days.
When you’re facing these kinds of odds, you want to be sure you [...]
Entrepreneurial Health and Disability Insurance Needs
12. January 2010
Health and Disability Insurance for the Entrepreneur
One of the greatest concerns a self-employed entrepreneur has is finding affordable health insurance and often, as well, disability coverage. There are myriad decisions to make and a vast number of insurance companies to research. One way to research the companies in your area would be to call and [...]
When You Need Short-Term Disability Insurance
16. December 2009
Qualifying for Short-Term Disability
Oftentimes employees who need a brief break from work-related duties due to a particular medical condition or an injury are eligible for short-term disability benefits once he or she has depleted all of the sick leave to which he or she is entitled.
Many employers will provide their employees with short-term disability benefits [...]
Insurance Needs of a Home-Based Business Owner
16. December 2009
When you are just beginning your home-based business purchasing insurance coverage for yourself and your family may not be one of your priorities but it is unwise not to make it such. If – or more likely WHEN – disaster strikes, having insurance will make the difference between your business’s success or its failure.
Though you [...]
Insurance for Your Business – What Do You Need Most?
1. December 2009
There are, as most of us are aware, myriad types of insurance to consider when thinking of what type is right for your particular business, some, of course, being more important than others.
Some common forms of business insurance include:
1. Worker’s compensation
2. Malpractice and errors and omissions coverage
3. Disability insurance
4. Liability insurance that covers premises, activities, and products
5. Business interruption insurance
6. Unemployment [...]
25. March 2010
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