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Court Rulings

How ERISA makes your long-term disability policy worthless

Chances are if you have a long-term disability (LTD) insurance policy it falls under the Employee Retirement Income Security Act (ERISA) guidelines. If that is the case then know now that if you ever become disabled and file a LTD claim there is a chance you will be denied your benefits after a year or […] Read more


Long-term disability insurance — fiction or fact?

Benjamin W. Glass’ book Robbery Without a Gun, is a thin book as books go. Even though modest in length the message speaks volumes—and one that you should seriously consider getting your hands on if you have a long-term disability (LTD) policy or have recently become disabled. If you are someone who has never been […] Read more

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Can a whistle blower fund help stop bad faith insurance companies?

Recent headlines report that a $9 million award was given to 52-year-old Patsy Bates. She had begun chemotherapy for breast cancer after undergoing surgery to remove a tumor. Her insurance company, Health Net, pulled the plug on her coverage half-way through treatment leaving her doctors no choice but to stop chemotherapy. At the root of Health Net’s […] Read more


What chance does a 20-year-old need disability insurance?

The chances of a worker now 20-years-old being disabled before retirement age is about 1:3. Surprisingly, the main reason for disability has nothing to do with work and everything to do with chronic disease—leading with cardiovascular disease, musculoskeletal problems, and cancer. Because so many people live from paycheck to paycheck a disability is often catastrophic. […] Read more


Supreme Court ruling OKs insurance companies to charge more for lower credit ratings & not tell

Two insurance companies, Geico General Insurance Company and Safeco, did not violate the law in failing to notify customers that they were being charged more because of a low credit rating. The unanimous decision says that a company’s conduct must be more than “merely careless.” Justice David H. Scouter said a company’s conduct must entail […] Read more