Posts Tagged “long term disability insurance”
What keeps employees from work the most? Illness or Injury?
By Jorge Hiram Garcia, Your Insurance Advisor | May 16, 2012
A recent survey by the Consumer Federation of America found that the a majority of employees wished their employer offered disability insurance coverage. According to the survey, illnesses are the cause of the majority of disabilities that affect a person’s ability to work, not injuries as most supposed. In fact, fifteen percent of long term [...]
A growing concern for many Americans, especially Boomers, but also Americans in other generational groups, as well, is long term care. Long Term Care is vital because as a society we are living a lot longer than in the past. Recent advances in medical care and the treatment of disease and illness have advanced much [...]
Why is the impact of disability worse than death?
By Jorge Hiram Garcia, Your Insurance Advisor | April 28, 2010
Disability is the inability to earn a living (this means working for most of us) due to illness or injury. Long term disability results from this type of condition existing for a period of three months or longer. The longer the period of disability, the harder it becomes financially for the disabled, and his or her family.
Are you concerned about qualifying for a health insurance plan, or being able to afford one?
By Jorge Hiram Garcia, Your Insurance Advisor | April 27, 2010
Many Americans worry about their health. Specifically, they worry about being able to pay for their health care expenses if something bad happens. Unfortunately, it’s not even really a matter of if, but of when. For many Americans struggling to make ends meet, especially now during this difficult recession when many of us are worried [...]
Many consumers do a poor job of protecting themselves from the long term loss of income due to a long term disability. The great majority of consumers who do buy this type of coverage do so through their employers, yet these types of employer provided long term disability insurance policies may not be the best choice for consumers.
What’s More Important Than Life Insurance?
By Jorge Hiram Garcia, Your Insurance Advisor | April 16, 2010
With the advances in healthcare and living conditions, more Americans are living longer, healthier and exciting lives. These new lifestyles create additional needs related to how to care for themselves as they live longer and lead more active lives at advanced ages. In the past, the most men and women had to worry about was [...]
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