In 49 states, long-term disability benefit claims for physical ailments – like cancer, arthritis and stroke – are assessed differently than mental health issues such as major depressive disorder, ...

While Medicare and Medicaid both help aging adults afford some of their medical expenses, they may not cover the cost of an ...

Recent federal legislation might have a large impact on the retirement plans of some seniors. Find out what has changed and ...

One in four 20-year-old Americans will be disabled before they reach age 67, according to the Social Security Administration. This reality underscores the need for long-term disability insurance (LTDI ...

Nationwide's hybrid policies are a good fit if you want to combine whole life insurance with long-term care benefits. The ...

People don't get to choose the illnesses that render them too disabled to work, but insurance companies have the power to approve or deny claims based on where in the body their condition exists. It's ...

Do you have a financial plan if you're sidelined by illness or injury? According to the Social Security Administration, close to one in four 20-year-olds will face a disability that interferes with ...

Many people will need some type of long-term care as they age — but not everyone is prepared for the potential long-term care issues that may arise or the high costs that come with it. According to ...

Only one state has disability coverage parity, in which mental health conditions are covered in the same way as physical health conditions: Vermont. In the other 49 states, long-term disability ...

The university provides group long-term total disability insurance to full-time staff (both non-exempt and exempt) and faculty. Summaries of the insurance coverages are listed below. The group ...