Free consultations:
Call | 201-781-5645
Millions of Americans work hard for decades to provide for their families and build a better future. Part of this also includes preparing for retirement. Sadly, millions of Americans also have matters taken out of their hands through illness or disability. Not only...
If you have been diagnosed with a serious illness or have an injury which prevents you from doing your job, you may be able to apply for long-term disability insurance benefits under either an individual disability income insurance policy you may have purchased...
Private long-term disability insurance claims, either individual or group claims, are only available to a tiny percentage of people who actually have disability insurance coverage. Yet insuring your ability to continue to earn a living in relative terms can be more...
The Employee Retirement Income Security Act of 1974 (ERISA) sets forth the standards for certain retirement assets and how they’re managed. Entities that offer plans covered by this law must follow the specific regulations it sets out. The misuse of funds is strictly...
ERISA is the Employee Retirement Income Security Act of 1974. This may seem like a daunting name at first until you know it helps regulate retirement plans and other employee benefit plans like disability and life insurance offered by private employers. In other...
Insurance never seems very important until you need to make a claim. Your employer offering a company-sponsored disability policy was likely less of a factor in your decision to accept the job than the salary, paid time off and work schedule offered. However, once you...
If you're dealing with a disability and trying to file an ERISA or individual disability claim, one part of this process is simply defining your disability. Many people imagine that disabilities tend to be physical (ie, picture persons in a wheelchair), but this is...
Cancer – of any kind – is a devastating disease, so it’s only natural that a diagnosis throws your entire world in disarray. You probably have tons of questions. Eventually, however, your mind is bound to turn to the most practical concern of all: Can you keep working...
Many of us learned at a young age that you should work hard when you’re young so you can retire early and enjoy the fruits of your labor when you’re older. It is oftentimes the case, however, that as we approach retirement age, we experience the challenges of illness...
Like anything you are purchasing to protect yourself and your interests, it’s always a good idea to read through your insurance policy carefully before you buy it. While you may have an insurance agent answering questions and telling you that your understanding of...