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What You Need To Do To Protect Clients' Income
Planning for the worst can help brokers navigate illness or disability.
Qualifying for Social Security benefits may take more time and effort than you think, and missteps can be costly. Here's a road map, along with 7 pitfalls to avoid.
Workers who contribute part of their earnings to Social Security often underestimate what it takes to tap the benefits if they become permanently disabled. The process can be tricky and more time-consuming than people expect, and the weak economy appears to be contributing to a surge in applications
The eventual cost of caring for yourself in old age can be enormous-what you need to know.
By Tamara Eberlein, Bottom Line Women's Health editor
By Patrick J. Kiger - July 21, 2008 - AARP Bulletin Today
Stay away from STOLI deals, advises Frank N. Darras, a lawyer in Ontario, Calif., and an expert on insurance issues. These “stranger-originated life insurance” deals, in which investors ask older people to take out policies, are rife with financial and legal complications, he says.
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Doctors Beware: Your Group Policies are Subject to ERISA
By Frank N. Darras, Guest Columnist
You've worked hard, achieved extraordinary academic excellence, went on to accumulate advanced degrees and for some, specialty status as a physician. For many, you've married along the way, are raising your children in the lifestyle they have become richly accustomed to and hope the insurance you get or provide at work will protect those you love. Take a long moment and think about what would happen financially to your family if you got really sick, seriously injured, disabled or died unexpectedly.
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No matter how well you plan your retirement, the catastrophic expense of long-term care could ruin it all. Insurance looks like the obvious solution. Turns out it's anything but.
By Amanda Gengler and Pat Regnier
October 22, 2007
NEW YORK (Money Magazine) -- Some insurance decisions are easy. Take life insurance. You know you need it to replace the income your spouse and kids would lose if you died. Insurers don't have much leeway to dispute claims for death benefits because "deceased" is a pretty definite condition.
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The answer depends on which side of the fence you stand
By: Kimberly Bonvissuto
Aug 15, 2007
The Employee Retirement Income Security Act of 1974 (ERISA); a federal law that sets standards for private pension and employee benefit plans—could be a friend or foe.
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By Rafael B.
September 11, 2007
A new web site specialized on information on Disability and Long-Term Care Insurance has been launched by famous Frank N. Darras, a nation's leading disability and long-term care insurance lawyer, according to a press release.
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By Marcy Tolkoff
Financial Services Writer-DiscoverCard
July 27, 2007
Your mailbox and email box is likely stuffed with insurance offers. Some types of coverage —like auto, homeowners, and life—is often essential, while the need for other kinds of insurance is questionable, or even doubtful. Here's how to decide whether it's better to pay up or take a pass:
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