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Why First Responders Fire Fighters, ER Physicians and Nurses Should Read Their Long Term Disability Policies Carefully

First responders, such as firefighters, nurses, and doctors often have Long Term Disability Insurance included with a benefit package through their employer. Although people usually think this is a nice benefit, it most likely has significant limitations. If your disability insurance is part … [Read more...]

Thinking of Selling Your Practice?

We have found through our experience, often Doctors and Dentists with health issues, work through those issues until at some point they feel they can no longer work with the pain. They work through the pain to keep their practice strong and valuable in order to sell the practice. There are a few … [Read more...]

What Forbes Missed on Coronavirus and People with Disabilities

There is a very good article that appeared in forbes.com entitled  5 Things to know about coronavirus and people with disabilities. The 5 points of this article are, 1. That people with a disability may experience a higher level of anxiety due to the Coronavirus and that the anxiety poses risks of … [Read more...]

Coronavirus (Covid-19) and Disability Insurance

Fears of the Corona Virus have sent global economies and stock markets into a tailspin. Many of those affected have responded by seeking medical testing and treatment. Others are avoiding the spread by “self-isolating.” A third category of individuals is being mandatorily quarantined. The ultimate … [Read more...]

What? I’m being sued by my insurance company?

The broad question is what are the things you have to watch out for when you’re filing a claim and what should you do?  Do insurance companies conduct surveillance?  Yes.  Do they run around with cameras trying to see if you can carry groceries from the grocery store to … [Read more...]

Does ERISA help you or hurt you?

As a result of ERISA, if you obtain your insurance at the workplace you don’t have as many remedies as you otherwise would have. All of your rights are eliminated under state law, because federal law takes over, and federal law under ERISA doesn’t exist.  There are no protections under federal law. … [Read more...]

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