The COVID-19 pandemic reminds us that losing a steady paycheck for even a couple of months can have drastic effects, many of which happen when someone experiences a severe health condition or injury.

Offsets are a tool insurers use to reduce the benefits they owe an injured worker by deducting benefits the worker receives ...

The disability insurance marketplace may seem relatively obscure to many life and health insurance advisors active in the industry today. However, the true nature and importance of income protection ...

The COVID-19 pandemic has shown how unexpected events can affect one’s well-being and financial stability. You may have friends or family members who were physically and financially impacted by the ...

People regularly ask me about disability insurance. They say things like, “I’m as healthy as a horse. Do I really need that?” Or “I think I have some disability coverage provided through my work, but ...

Disability insurance is an important element in protecting your financial well-being. This insurance offers income replacement if you get hurt or can no longer work because of physical limitations. So ...

Life is full of uncertainties, and the unexpected can happen at any time. While we often plan for the best, it's equally important to prepare for the worst. One way to protect your financial ...

Between the loss of income and increases in medical care costs, disabling injuries suffered by high-income physicians can cause financial devastation that far exceeds that of their premature death.

Disability insurance is a complex and technical area of financial planning that requires more than a cursory glance at your policy wording. With ever-evolving product designs, technical definitions, ...

EAST AURORA, NY - As New York State’s healthcare system continues to rely heavily on medical residents and early-career ...