It is no secret that health care costs in Texas are high and increasing each year. Without health insurance coverage, a single illness or injury can lead to financial ruin. Families pay insurance premiums each month expecting coverage when they become sick or injured....
The Social Security Administration (SSA) readily admits that most first-time applications for Social Security Disability Insurance benefits (SSDI) are denied. However, the regulations promulgated by the SSA specify several different levels of appeals that are...
Booking a trip has become more complicated and riskier over the last two years. Having insurance covering your travel can be a reasonable precaution against the unexpected, but insurance does not guarantee a refund and may be accompanied by lots of paperwork and...
You may not know how common hit-and-run car crashes have become in the United States. However, according to the Texas Department of Insurance, a hit-and-run car accident occurs every 43 seconds in the United States. That is a shocking statistic. Required car insurance...
A denied health insurance claim can feel like a punch to the gut. Expenses that you hoped would be covered are now dumped on you with the expectation that you’ll pay quickly and, if you’re like most Americans, you don’t have thousands of extra dollars sitting around...
In Texas, younger drivers are an understandable concern to others on the road. Because they are so new to driving and lack experience with sharing the road, behaving safely, navigating poor weather and tend to be reckless, auto collisions are common. When they are in...
Many residents of Austin are eligible to receive long-term insurance benefits under the Texas Income Protection Plan (TIPP). Generally, these benefits will cover up to 60% of a person’s salary or wages. Many people who receive long term TIPP benefits are also eligible...
Many employees treat health insurance plan paperwork as they do heat and air conditioning: They disregard them until an emergency arises. A federal law known as the Employee Retirement Income Security Act (ERISA) regulates employer-provided health insurance. Though...
People have various types of property, which have various values. Property that is not very expensive may not be very important for people, but most people take precautions to protect their valuable property. To help protect the property, it is common for people to...
Under the Employee Retirement Income Security Act (ERISA), employers are required to ensure that employees receive the long-term disability (LTD) benefits they are entitled to receive. However, ERISA claim denials are more common than people realize. As you begin your...
