This question comes up all the time, so we thought we’d discuss it.Although it is a relatively straightforward question, the answer is not so straightforward. In short, it depends.First, it is both to your benefit and to the benefit of the insurance company or employer paying your Long Term Disability (LTD ) claim that you […]
The correct response is, “maybe, or maybe not, depending on the facts, and the state in which you reside.”Insurance policies very often have time limits on the submission of a claim for benefits. In some states, those deadlines are VERY strictly construed, and once the deadline has passed, it does become “too late” to make […]
As one of its top ten financial resolutions for 2008, Union Bank of California advises people to invest in long-term care insurance as part of a financial safety net for their families. Along with the government, private companies see the validity of both long-term care and disability insurance to help individuals deal with exorbitant medical […]
