• How Long Should You Wait?

    Updated: 2012-07-30 22:59:36
    Many seniors have purchased auto, health, and homeowners insurance for decades as a way to pay those unexpected expenses that they can't afford to pay on their own. You might also have this insurance because the law or mortgage company required it, or just because you want to protect your assets. You're older know and my consider when to buy [...]

  • How do You Rate for Life Insurance?

    Updated: 2012-07-30 22:55:01
    As you begin retirement, you may choose life insurance to payoff your bills, estate taxes, take care of a spouse or create a legacy for your love ones at your death. Whatever your reason, the benefits of life insurance comes at a cost; and that cost is the premiums you pay. Those are determined by your life insurance rating or [...]

  • Homecare Service Contracts are not LTC

    Updated: 2012-07-28 21:42:11
    Living in your home while recovering from an illness or injury is certainly preferable to sitting in a nursing home, and homecare service companies can often provide the care needed. Unfortunately, there have been cases where homecare firms offered contracts that caused some seniors with poor health to think that they were getting much more. A homecare provider's services may [...]

  • Get Your Life Insurance Proceeds to the Beneficiaries You

    Updated: 2012-07-27 09:54:11
    Assigning life insurance beneficiaries is a tricky business. You may be married and have a couple of kids; or you may be married to a second wife with children of a previous marriage. You assign a beneficiary and a contingent beneficiary with an intended idea of who should get your insurance proceeds and for whom they should be used. Unfortunately, [...]

  • How to Buy Life Insurance Without a Medical Exam

    Updated: 2012-07-27 09:47:19
    While it's possible to get life insurance without a medical exam (no medical life insurance) , let's deal with four common instances and their tradeoffs. First, understand that in many cases, the "medical exam" is obtaining a urine and blood sample and that's it. The medical professional even comes to your home. Only at higher amounts of insurance, e.g. $1 [...]

  • Court Reverses New Jersey Social Security Disability Decision Involving Obesity Claim - Bryant v. Astrue

    Updated: 2012-07-25 03:21:12
    . New York Social Security Disability Lawyer Blog Published by New York Social Security Disability and Long Term Disability Attorney Insler Hermann , LLP Home Firm Website About Us Practice Areas Contact Us Previous Home Court Reverses New Jersey Social Security Disability Decision Involving Obesity Claim Bryant v . Astrue July 24, 2012 We often see clients in Social Security Disability cases who are unable to work due not only because of one physical or mental impairment , but due to a combination of impairments which , together , can wreak havoc on a person's everyday life . In Bryant v . Astrue the District Court for the District of New Jersey explained that , when considering a claim by a person who suffers from severe obesity , the government must not only determine the effect of the

  • The Clock is Ticking: New York Court Reverses Disability Benefits Decision, Sets Time Limit for SSA to Hold Further Proceedings - Bunger v. Astrue

    Updated: 2012-07-24 03:28:09
    : , . New York Social Security Disability Lawyer Blog Published by New York Social Security Disability and Long Term Disability Attorney Insler Hermann , LLP Home Firm Website About Us Practice Areas Contact Us Previous Home Next The Clock is Ticking : New York Court Reverses Disability Benefits Decision , Sets Time Limit for SSA to Hold Further Proceedings Bunger v . Astrue July 23, 2012 In Bunger v . Astrue the Eastern District of New York recently took on a case appealing the Social Security Administration's SSA's denial of a disability benefits claim in which both the claimant and the SSA agree that the agency's decision was . flawed Plaintiff Richard Bunger filed a claim for Social Security Disability benefits in 2008, asserting that he was no longer able to work as a New York City

  • For Many Women, the Nursing Home Does Not Have To Be the Last Resort

    Updated: 2012-07-23 22:07:20
    Long-term care insurance is designed to be there when you and your family need it. And you hope that you never will. But as our life spans have grown increasingly longer, the odds of requiring medical care for an extended period have become greater. So have the odds of facing staggering healthcare bills as a result of a prolonged stay [...]

  • Mises University 2012 Starts Tonight

    Updated: 2012-07-23 00:18:20
    It’s an amazing event, at which the best minds in the Austrian tradition gather to impart their wisdom on the next generation of eager Austrians.  At 8:00 pm Central, Mark Thornton kicks it all off with a welcome message.  Then at 8:15 Robert Higgs will deliver a talk on Warfare, Welfare, and the State. To participate [...]

  • Five Essential Questions to Ask before You Choose a Long-Term Care Insurance Policy

    Updated: 2012-07-22 21:57:26
    Long term care insurance is necessary to cover the costs of inability to take care of yourself as you age. Purchasing a long-term care insurance policy is a major financial decision. The cost of the coverage, and the impact it could have on your financial security makes it imperative that you understand what you're buying before you sign your name [...]

  • How Much Does Long Term Care Cost?

    Updated: 2012-07-21 21:46:48
    A Fidelity Investments study reveals some of the statistics and long term care costs that the American family will incur. In just 10 years, approximately 50 million Americans will be over the age of 65. More than half of them will require at least one year of long-term care (LTC), and 20 percent will require more than five years of [...]

  • In Social Security Disability Cases, Don't Give Up - Rife v. Commissioner of Social Security

    Updated: 2012-07-19 14:39:55
    , . New York Social Security Disability Lawyer Blog Published by New York Social Security Disability and Long Term Disability Attorney Insler Hermann , LLP Home Firm Website About Us Practice Areas Contact Us Previous Home Next In Social Security Disability Cases , Don't Give Up Rife v . Commissioner of Social Security July 19, 2012 We know that the Social Security Disability claims process can be a long , complicated and even intimidating experience for a person who is injured , unable to work and seeking benefits . As the Sixth Circuit Court of Appeals' decision in Rife v . Commissioner shows , a claimant should not give up until the process is complete . We advise our clients that the initial and reconsideration denials are designed to discourage claimants from going further with their

  • Disabled or Not Disabled: In Social Security Cases, That is The Question - Small v. Commissioner of Social Security

    Updated: 2012-07-18 21:16:41
    : , . New York Social Security Disability Lawyer Blog Published by New York Social Security Disability and Long Term Disability Attorney Insler Hermann , LLP Home Firm Website About Us Practice Areas Contact Us Previous Home Next Disabled or Not Disabled : In Social Security Cases , That is The Question Small v . Commissioner of Social Security July 18, 2012 Sometimes a decision in a Social Security Disability case makes you scratch your head . In Small v . Commissioner of Social Security the U.S . District Court for the Middle District of Florida took on a case where a Social Security judge found that a disability benefits claimant was disabled before he later found that she was not . disabled In 2003, Plaintiff Angela Small filed a claim for Social Security disability benefits ,

  • Professor Hoppe on Socialized Health Care

    Updated: 2012-07-17 21:15:57
    “With the socialization of the health care system through institutions such as Medicaid and Medicare and the regulation of the insurance industry (by restricting an insurer’s right of refusal: to exclude any individual risk as uninsurable, and discriminate freely, according to actuarial methods, between different group risks) a monstrous machinery of wealth and income redistribution [...]

  • Can a Student Loan be Discharged Because of Disability?

    Updated: 2012-07-09 02:10:37
    The average college student (graduate and undergraduate) leaves school with a tremendous amount of student loan debt. Repayment of student loans has always been difficult, but with the economy the way it is, many graduates are struggling to pay back their loans. Some people who are unable to work because of their disabilities are beyond [...]

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