Long-term disability insurance provides a portion of your income as a beneficiary if you become ill or injured and cannot work. This extended period of nonworking usually is more than 90 days. To receive such benefits, you may file a timely proof of loss and disability claim that an insurance company can approve.
California is again facing a series of wildfires, with numerous large and small blazes burning throughout the state. Some Californians are being forced to evacuate their homes when fires get too close.