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...
Year: 2022
Reasons for ERISA claim denial in Texas
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...
The different types of business interruption coverage
Remain open—this is perhaps the most important thing when a business suffers from damage. But sometimes, you can’t and, while your business is shut down, you’re losing money. Business interruption coverage exists for these situations and understanding the different...
SSDI is long-term disability insurance
As a blog, we normally focus on private long-term disability insurance. However, one form of long-term disability insurance is also federal Social Security Disability Insurance, which we have discussed in a prior post, where we focused on the injuries that qualify for...
Can I appeal a long-term disability denial?
Many Texas residents depend on long-term disability benefits to support themselves and their families when they can no longer work. Unfortunately, the process for applying for these benefits is often complicated and even the strongest applications can be denied....
What does uninsured motorist coverage help with?
Being hit by a negligent driver is bad enough but being hit by a driver who does not have insurance can be worse. According to a 2021 report from the Insurance Research Council, one in eight drivers does not carry insurance. Uninsured and underinsured motorist...
New Texas legislation limits catastrophic injury claims
It is no exaggeration to say that driving on a public road has become increasingly hazardous for Texans in recent years. Not only must drivers navigate crowded streets to run daily errands, commute to work, or travel for vacation or to visit family, but they must do...
Know the required time limits for commercial insurance claims
Texas business owners know that having a good commercial insurance policy is extremely important, and one of the best ways to protect their business. When an unexpected event occurs that causes your business to suffer damage or losses, your commercial insurance policy...
When can people use their long-term disability insurance?
Texans depend on insurance policies to help them out should they be faced with certain terrible situations. One of these types of policies is disability insurance. There are two types of disability insurance policies. One is short-term disability insurance and the...
Pre-existing condition clauses and disability
For many Texas workers, injuries and illnesses can be overwhelming financially and emotionally. Being protected from this potential challenge is important. So too is it important that they have a certain level of peace of mind that comes from being insured against...