The need for long-term care in our country is astounding. Some estimates put the rate at 60%, with 40% of elderly individuals needing some sort of nursing home or assisted living care. That’s why decades ago long-term care policies were extremely popular. These...
Year: 2021
Home insurance must be scrutinized for weather-related coverage
The Texas ice storms were a shock to people who believed the state was shielded from such dramatic weather events. For many, it also highlighted how their insurance policy coverage might not be as extensive as they initially thought. Compounding a terrible occurrence...
A basic overview of uninsured/underinsured auto insurance
While many states in the U.S. require motorists to carry auto insurance, the fact of the matter is that some people do not. According to the Insurance Research Council, approximately one in eight motorists do not have an auto insurance policy. So, what happens if you...
3 key car insurance terms to know
Ever since you started driving, you likely had auto insurance. Like most people, you probably pay for this insurance to protect your interests in the event of a car accident you cause or another person causes. According to the Insurance Information Institute, people...
The ins and outs of the ERISA claim and appeal process
Many employees in Texas receive benefits, such as health insurance, from their employers. Thus, when issues arise related to their health insurance claims, this may cause an employee to question whether he or she could file an action to ensure his or her rights are...
Historic winter weather sparks massive spike in insurance claims
Texans are unaccustomed to anything more than brief and passing cold temperatures and harsh winter weather. Homes are often unprepared for the aftermath of snow, ice and freezing temperatures. This can result in damage and the need to file insurance claims to pay for...
A picture of long-term disability in Texas
Long-term disability can be a strain on many individuals and families in Texas. It is helpful for those making a long-term disability insurance claim or appeal to understand the overall impact of long-term disabilities which they may be experiencing on a daily basis....
What can uninsured motorist coverage help with?
Uninsured motorist coverage can be important to anyone hit and harmed by an uninsured or underinsured motorist. Specifically, victims should be familiar with what uninsured motorist coverage can help with following a car accident. What does uninsured motorist coverage...
3 tell-tale signs your insurance denial was in bad faith
Your insurance company has no problem collecting the premiums you pay regularly. When you need to file a claim, your insurer should pay the claim promptly according to the terms of your policy. If that does not happen, your insurance provider may not be living up to...
What is an underinsured motorist?
Motor vehicle accidents are stressful for victims, no matter how serious they are. From a fender-bender to a life-threatening crash, an accident can create confusion, fear, and anxiety in the life of a victim. When a vehicle accident happens in Texas, a victim can...