All disability policies are not created equal

Most of us are covered by disability policies through our employers.  Premiums are paid by payroll deductions and coverage is described in a summary plan description.  Those policies (subject to a few exceptions discussed below) are governed by federal law, specifically, the Employee Retirement Income Security Act of 1974 (“ERISA“).  These laws

What is an insurance bad faith claim?

As a homeowner, you know that you have to have insurance to protect your assets. Your home is a significant investment, and you have to make sure you have coverage if something happens that results in a catastrophic loss. When you obtain an insurance policy, the policy will clearly state what is

Stars Get Shafted By Insurance Companies Too

From Bruce Springsteen’s legendary voice to Taylor’s Swift’s legendary legs, when it comes to insuring their most valuable “assets,” it seems that celebrities are as cautious as the rest of us.  The most recent example of a superstar looking for protection against unforeseen maladies is world-famous soccer player Christiano Ronaldo.   It’s