Insurance companies collect premiums without any guarantee of ever providing direct support for policyholders. Still, most people view an investment in disability insurance as worthwhile, especially if they are the primary wage earner for their household because it...
It seems like everybody is looking for ways to cut their expenses these days – but should you really consider sacrificing your accidental death and dismemberment (AD&D) policy? AD&D policies are often purchased as riders to other policies, including life...
Disabilities come in many different forms. People often think of the same clichés, such as a person who is disabled and has to use a wheelchair. But it’s very important to understand that disabilities do not always neatly fit into any boxes and may impact two...
In today’s competitive business landscape, attracting and retaining talented employees is crucial for the success and growth of any organization. Offering comprehensive employee benefits is one of the key strategies companies employ to help ensure employee...
Life insurance can offer much-needed benefits to your dependents following the financial impact of your demise. With life insurance benefits, your loved ones can receive the finances they need to maintain the standard of living and/or provide for your dependents. ...
Dismemberment insurance, often paired with life insurance in a package known as accidental death and dismemberment (AD&D) insurance, provides financial protection because of a severe accident. It offers peace of mind, knowing that if an accident leads to the loss...
In Colorado, public employees can look forward to a robust safety net should they face debilitating health issues that prevent them from working. This is thanks to the Colorado Public Employees' Retirement Association (PERA), which offers its members disability...
Being away from work, even for a few days, can be a source of hardship for many people. Most adult wage-earners do not have enough savings to offset a lengthy loss of income. Instead, many households may only have enough to pay a month or two of basic expenses, if...
Car accident fatalities were a major issue in the 1970s, leading to changes in safety standards. Additionally, safety technology for vehicles has developed significantly over the last 50 years. As a result, the general trend in fatal accidents since that time has been...
When you file a disability claim with your insurer, you expect to start receiving benefits as soon as possible. However, it is not an automatic process. Mistakes with your claim can lead to delays or even a denied claim, which is why it is essential to understand what...
