If an insurance policyholder makes a claim, they may think that all they need to do is send the information to the insurance company and they’ll be done. In some situations, however, the insurance company may have the policyholder undergo an examination under oath...
Every year, about 5% of American workers face a temporary disability of six months or less. Their reasons can include pregnancy, injury, physical illness or mental illness, but the common factor is that their condition makes it impossible for them to earn a living the...
Texas families and businesses frequently purchase liability insurance. In many cases, they must do so. Everyone who drives on Texas’s roads has to have automobile liability insurance. Personal liability insurance or commercial liability insurance may be required by...
Texas requires all drivers to carry proof that they can cover the costs of any accident they might cause while behind the wheel. This means all drivers are required to carry auto insurance. In theory, this means if you are injured in a motor vehicle accident caused by...
The Employee Retirement Income Security Act of 1975 (“ERISA”) is a federal statute that was passed to ensure the fair treatment of employees who are covered by an employer-funded health and disability insurance plan. The federal law does not directly provide any...
Long-term disability benefits usually start after a waiting period of several months and can last for years, depending on the policy and the condition of the claimant. However, not all long-term disability claims are approved by the insurance company. Sometimes, a...
Many people work years to afford to purchase a home so if it is destroyed or damaged in a fire, it can be devastating. The homeowner may assume that their homeowner’s insurance policy will pay for the repairs, but unfortunately, those claims are sometimes denied. Fire...
Dealing with insurance can be incredibly frustrating. You may have paid your insurance premiums for years only to find that when you need to pay for a medical procedure or prescription, your insurance denies your claim. What can you do in this situation? You're just...
One in four workers will suffer a disability while they are still employed. Accordingly, long-term disability insurance claims are important because this insurance pay a portion of income for workers who are unable to work because of injury or illness. Unlike...
You might own a home in Austin, Texas, but this does not mean you are safe from hurricanes that batter the Texas gulf coast. While your home might not bear the brunt of the storm, hurricanes can move inland causing a significant amount of rain to fall and damaging...
