As many states across the country raise awareness of the dangers of severe weather, it is crucial to highlight one of its very dangerous and costly side effects: flooding. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness to discuss common flood insurance misconceptions and how to overcome them to ensure you’re protected against the effects of severe weather.

As many states across the country raise awareness of the dangers of severe weather, it is crucial to highlight one of its very dangerous and costly side effects: flooding. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness to discuss common flood insurance misconceptions and how to overcome them to ensure you’re protected against the effects of severe weather.

Understanding Common Flood Insurance Myths 

As you make your way through your spring-cleaning checklist, don’t forget one very important thing: now is a good time to review your homeowners insurance policy. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness to talk about life events that may prompt a policy review and which elements of your home insurance policy you should assess.

As you make your way through your spring-cleaning checklist, don’t forget one very important thing: now is a good time to review your homeowners insurance policy. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness to talk about life events that may prompt a policy review and which elements of your home insurance policy you should assess.

It's Time To Spring Clean Your Homeowners Insurance Policy

February is American Heart Month, so you've probably seen lots of news about identification and prevention of heart conditions. But what happens if you've already had a heart attack? Many people wonder if they can receive disability benefits for the aftereffects of a heart attack. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness to address the common myths and facts about filing for disability benefits due to a heart attack.

February is American Heart Month, so you've probably seen lots of news about identification and prevention of heart conditions. But what happens if you've already had a heart attack? Many people wonder if they can receive disability benefits for the aftereffects of a heart attack. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness to address the common myths and facts about filing for disability benefits due to a heart attack.

Heart Attack as A Disability: Understanding The Facts and Myths 

There are many myths floating around about disability insurance - the most common is that there isn't much of a difference between SSDI and private long-term disability insurance. Often, Americans will choose to skip the latter because they think the former will provide for them if they become disabled. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness and discuss the key differences between Social Security Disability Insurance and private long-term disability insurance.

There are many myths floating around about disability insurance - the most common is that there isn't much of a difference between SSDI and private long-term disability insurance. Often, Americans will choose to skip the latter because they think the former will provide for them if they become disabled. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness and discuss the key differences between Social Security Disability Insurance and private long-term disability insurance.

The Difference Between Social Security and Private Long-Term Disability Insurance

Earlier this month, we discussed one new year's resolution that can help you find peace of mind: make January the time to review and update your insurance policies. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness and discuss our final tips for evaluating your insurance policies to ensure a smart start to the new year.

Earlier this month, we discussed one new year's resolution that can help you find peace of mind: make January the time to review and update your insurance policies. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness and discuss our final tips for evaluating your insurance policies to ensure a smart start to the new year.

Insurance Tips for a Safe & Smart New Year, Part II

Many Americans begin the new year with a resolution of some sort, such as getting in better shape, traveling more, or learning a new skill. While many of these resolutions are rarely kept, there is one that can help you find peace of mind: make January the time to review and update your insurance policies. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness and discuss tips for evaluating your insurance policies to ensure a smart start to the new year.

Many Americans begin the new year with a resolution of some sort, such as getting in better shape, traveling more, or learning a new skill. While many of these resolutions are rarely kept, there is one that can help you find peace of mind: make January the time to review and update your insurance policies. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness and discuss tips for evaluating your insurance policies to ensure a smart start to the new year.

Insurance Tips for a Safe & Smart New Year, Part I 

New Year's Eve is often celebrated with parties, drinks, and a countdown to the dawn of a new year. However, a holiday meant to celebrate friends and family is often spoiled by mishaps that lead to insurance claims. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness to look at common New Year's Eve insurance disasters and how to avoid them.

New Year's Eve is often celebrated with parties, drinks, and a countdown to the dawn of a new year. However, a holiday meant to celebrate friends and family is often spoiled by mishaps that lead to insurance claims. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness to look at common New Year's Eve insurance disasters and how to avoid them.

New Year's Eve Insurance Disasters To Avoid 

You thought you covered the essentials: your home, your car, and your health are all insured. What else could you need? Unfortunately, many Americans who insure their basic needs have gaps in coverage that can unexpectedly drain their savings if disaster strikes. In this episode, we team up with Gary Pozsik from Health, Wealth, and Happiness to discuss three common insurance problems you may not be prepared for and how you can fill the coverage gaps.

You thought you covered the essentials: your home, your car, and your health are all insured. What else could you need? Unfortunately, many Americans who insure their basic needs have gaps in coverage that can unexpectedly drain their savings if disaster strikes. In this episode, we team up with Gary Pozsik from Health, Wealth, and Happiness to discuss three common insurance problems you may not be prepared for and how you can fill the coverage gaps.

Three Insurance Coverage Gaps You Shouldn't Ignore

Thanksgiving marks the beginning of a busy holiday season, which comes with a unique set of hazards.  In this podcast episode, we discuss insurance tips to help you have a safe Thanksgiving, whether you're staying home and entertaining guests or traveling far distances to spend time with loved ones.

Thanksgiving marks the beginning of a busy holiday season, which comes with a unique set of hazards.  In this podcast episode, we discuss insurance tips to help you have a safe Thanksgiving, whether you're staying home and entertaining guests or traveling far distances to spend time with loved ones.

Insurance Tips for a Safe Thanksgiving 

Veterans Day is meant to honor those who served in the United States Armed Forces and thank them for said service. Unfortunately, respect for veterans does not always extend to them when they need it most. Veterans filing a claim for disability benefits experience overwhelming delays and unreasonable denials. The Center for Investigative Reporting found that the average wait time to evaluate a veteran's disability claim was at least 277 days. In this episode, we discuss why veteran disability claims are delayed and denied and whether veterans can increase their chances of approval.

Veterans Day is meant to honor those who served in the United States Armed Forces and thank them for said service. Unfortunately, respect for veterans does not always extend to them when they need it most. Veterans filing a claim for disability benefits experience overwhelming delays and unreasonable denials. The Center for Investigative Reporting found that the average wait time to evaluate a veteran's disability claim was at least 277 days. In this episode, we discuss why veteran disability claims are delayed and denied and whether veterans can increase their chances of approval.

Why Are Veteran Disability Claims Delayed And Denied?

DarrasLiving covers health, disability and insurance matters that affect millions of Americans. Tune in for expert insight and tips from Frank N. Darras, America's top disability lawyer, on how to be prepared for anything life throws your way.

DarrasLiving

While many top draft prospects wait anxiously to see if their dreams of being a pro will come true, some will have one more thing to consider: if the draft doesn’t go well, could they join the lucky few who collected on loss of value insurance policies? In this episode of the DarrasLiving podcast, we discuss the merits and risks of these elite athlete insurance policies.

While many top draft prospects wait anxiously to see if their dreams of being a pro will come true, some will have one more thing to consider: if the draft doesn’t go well, could they join the lucky few who collected on loss of value insurance policies? In this episode of the DarrasLiving podcast, we discuss the merits and risks of these elite athlete insurance policies.

Loss Of Value Insurance: Is It Worth Multimillion-Dollar Gamble?

Baseball season has arrived, and with it comes endless debates about the best-hitting lineups and pitching staff. However, there's one topic everyone should be following this season: the frequency and prevention of Tommy John surgery. The procedure has become so commonplace that many fans and players consider it routine - but should it be? In this episode, we examine the reasons behind this increase in Tommy John surgeries and how UCL injuries in young athletes can be prevented.

Baseball season has arrived, and with it comes endless debates about the best-hitting lineups and pitching staff. However, there's one topic everyone should be following this season: the frequency and prevention of Tommy John surgery. The procedure has become so commonplace that many fans and players consider it routine - but should it be? In this episode, we examine the reasons behind this increase in Tommy John surgeries and how UCL injuries in young athletes can be prevented.

Can Baseball's Elbow Injury Epidemic Be Stopped?

According to U.S. News and World Report, only 100,000 traditional long-term care insurance policies were sold in 2015, compared to 700,000 in 2000. People aren't buying long term care insurance policies for many valid reasons, but the increasing cost is the most common. However, 9 million Americans over the age of 65 needed assistance in 2012. That number is expected to grow to 12 million in 2020. Is there a way for millions of Americans to fund their long term care without buying an insurance policy? In this podcast episode, we join Gary Pozsik of Health, Wealth and Happiness to examine the true need and cost of long term care insurance, as well what your alternative solutions are.

According to U.S. News and World Report, only 100,000 traditional long-term care insurance policies were sold in 2015, compared to 700,000 in 2000. People aren't buying long term care insurance policies for many valid reasons, but the increasing cost is the most common. However, 9 million Americans over the age of 65 needed assistance in 2012. That number is expected to grow to 12 million in 2020. Is there a way for millions of Americans to fund their long term care without buying an insurance policy? In this podcast episode, we join Gary Pozsik of Health, Wealth and Happiness to examine the true need and cost of long term care insurance, as well what your alternative solutions are.

Long Term Care Insurance: Do You Really Need It? 

One in three households would have immediate trouble paying living expenses if the primary wage earner died, according to the 2016 Insurance Barometer Study by Life Happens and LIMRA. 85% of survey respondents said most people need life insurance, yet only 62% have coverage. Many people do not purchase life insurance due to misconceptions - they think it's too expensive, it's not right for their needs, or they don't understand the available options. In honor of Life Insurance Awareness Month, this DarrasLiving episode explores five questions to ask before buying life insurance.

One in three households would have immediate trouble paying living expenses if the primary wage earner died, according to the <a href="https://www.lifehappens.org/barometer" rel="nofollow" target="_blank">2016 Insurance Barometer Study by Life Happens and LIMRA</a>. 85% of survey respondents said most people need life insurance, yet only 62% have coverage. Many people do not purchase life insurance due to misconceptions - they think it's too expensive, it's not right for their needs, or they don't understand the available options. In honor of Life Insurance Awareness Month, this DarrasLiving episode explores five questions to ask before buying life insurance.

5 Questions To Ask Before Buying Life Insurance

Insurance companies keep records of everything, including what kinds of claims occur each month. This information helps us identify seasonal hazards that lead to insurance claims and understand how to avoid them. Data from the recent Farmers Insurance Seasonal Smarts Digest reveals several potential home insurance claims  that are commonly filed in the fall. In this episode, we discuss three fall hazards you may encounter and what you can do to avoid them.

Insurance companies keep records of everything, including what kinds of claims occur each month. This information helps us identify seasonal hazards that lead to insurance claims and understand how to avoid them. Data from the recent Farmers Insurance Seasonal Smarts Digest reveals several potential home insurance claims  that are commonly filed in the fall. In this episode, we discuss three fall hazards you may encounter and what you can do to avoid them.

How To Avoid Homeowners Insurance Hazards This Fall 

Most adults know the importance of life insurance; after all, one in three households would have immediate trouble paying living expenses if the primary wage earner died, according to the 2016 Insurance Barometer Study by Life Happens and LIMRA. Did you know you can also purchase life insurance for your children? Some insurance agents say purchasing life insurance for your children is a smart financial move, but many financial advisors caution against it. In this DarrasLiving episode, we discuss the common reasons for purchasing life insurance and whether they make sense for your children.

Most adults know the importance of life insurance; after all, one in three households would have immediate trouble paying living expenses if the primary wage earner died, according to the <a href="https://www.lifehappens.org/barometer" rel="nofollow" target="_blank">2016 Insurance Barometer Study by Life Happens and LIMRA</a>. Did you know you can also purchase life insurance for your children? Some insurance agents say purchasing life insurance for your children is a smart financial move, but many financial advisors caution against it. In this DarrasLiving episode, we discuss the common reasons for purchasing life insurance and whether they make sense for your children.

Should You Buy Life Insurance For Your Children?

Open enrollment is a critical time for employees, as it provides the opportunity to select or update health, disability, and life insurance coverage for the next year. However, many employees do not pay attention to changes in their existing plans for make time to reevaluate their insurance needs. In this episode, we discuss tips to help you make the most of open enrollment, understand your options, and find the best coverage to fit your ever-changing needs. Read the show notes for highlights from this episode.

Open enrollment is a critical time for employees, as it provides the opportunity to select or update health, disability, and life insurance coverage for the next year. However, many employees do not pay attention to changes in their existing plans for make time to reevaluate their insurance needs. In this episode, we discuss tips to help you make the most of open enrollment, understand your options, and find the best coverage to fit your ever-changing needs. <a href="http://www.longtermdisabilitylawyer.com/blog/2016/10/insurance-tips-to-remember-during-open-enrollment.shtml" rel="nofollow" target="_blank">Read the show notes</a> for highlights from this episode.

Insurance Tips To Remember During Open Enrollment

Although self-driving cars have garnered various kinds of media attention lately, one thing is clear: the revolution is underway and won’t slow down any time soon. In fact, BMW has joined the ranks of other auto manufacturers developing self-driving technology and has announced it will deliver a self-driving car by 2021. A future of self-driving cars could change many things. In this episode, we discuss what changes this revolution could bring to your auto insurance.

Although self-driving cars have garnered various kinds of media attention lately, one thing is clear: the revolution is underway and won’t slow down any time soon. In fact, BMW has joined the ranks of other auto manufacturers developing self-driving technology and has announced it will deliver a self-driving car by 2021. A future of self-driving cars could change many things. In this episode, we discuss what changes this revolution could bring to your auto insurance.

How Self-Driving Cars Will Affect Your Auto Insurance Rates 

Frank Darras

Frank Darras join Nathan Bachrach, Ed Finke, and Amy Wagner, hosts of 55KRC Cincinnati’s Simply Money, to discuss how parents can combat the high costs of insuring a teenage driver.

Frank Darras join Nathan Bachrach, Ed Finke, and Amy Wagner, hosts of 55KRC Cincinnati’s <a href="http://www.iheart.com/show/Simply-Money/" rel="nofollow" target="_blank">Simply Money</a>, to discuss how parents can combat the high costs of insuring a teenage driver.

Insurance Savings For Teen Drivers - Frank Darras on Simply Money

Many homeowners learn the hard way that their homeowners insurance doesn't cover property damage caused by hurricanes and floods.  In this DarrasLiving podcast episode, we discuss why now is the perfect time to review your insurance policies and what coverage you need to protect your home from big and small storms.

Many homeowners learn the hard way that their homeowners insurance doesn't cover property damage caused by hurricanes and floods.  In this DarrasLiving podcast episode, we discuss why now is the perfect time to review your insurance policies and what coverage you need to protect your home from big and small storms.

How To Insure Your Home For Hurricane Season

Over the course of American Heart Month,we have heard lots of tips for identifying and preventing stroke and heart conditions. However, what happens if you've already suffered a disabling stroke or heart condition? In this episode, we discuss tips for filing a successful disability insurance claim for these health issues.

Over the course of American Heart Month,we have heard lots of tips for identifying and preventing stroke and heart conditions. However, what happens if you've already suffered a disabling stroke or heart condition? In this episode, we discuss tips for filing a successful disability insurance claim for these health issues.

How To File A Disability Claim For A Stroke or Heart Condition

10 Ways To Save On Auto Insurance

50% of working Americans couldn't make it a month without their income before financial difficulties would kick in. Could you? "You have a greater likelihood of becoming disabled than you do of dying before you retire, and yet more people understand the need for life insurance." Why don't most Americans have disability insurance?1. "It won't happen to me."  One in three women and one in four men will have a disability that keeps them out of work for 90+ days at some point during their working lifetime 70% of Americans have life insurance, while only approximately 40% of Americans have disability insurance Injuries and freak accidents aren't typically the cause of disabilities - nearly 90% of disabilities are caused by illnesses  2. "My work will cover me."  Only 40% of employers offer short-term groupd disability insurance and only 33% offer long-term group disability insurance Only California, Hawaii, New Jersey, New York, Rhode Island and Puerto Rico have mandated short-term disability coverage to be provided to workers either directly or through employersWhat are your options?1. Short term disability insurance  Designed to replace a percentage of your gross income for a short amount of time - may range from 60 to 180 days, depending on your policy You  need to wait for an "elimination period" before the coverage kicks in - the actual time period can vary depending on the policy Employers often offer short-term disability insurance to their employees, and many subsidize that coverage - if they do, the benefits are taxable  2. Long term disability insurance What happens if your short-term disability coverage runs out and you're still out of work? Long-term disability kicks in after you've been out of work for an extended period of time, such as 180 days.  Can be acquired through a private insurance company or through a company-sponsored plan Long term disability insurance policies will typically pay between 40% to 60% of your pre-disability salary These benefits are paid for a specific period of years or until age 65 - every policy is different, so pay attention to the fine print There is an elimination period following the onset of disability to qualify for benefits - this can vary, but averages 180 daysGroup vs. individual disability insurance policiesGroup disability policies  Most people have a group LTD insurance policy - one they got through their employer or through a professional organization/association they're part of Employer may pay the premiums or at least a portion of the premiums Income replacement benefits paid under a group policy are taxable More limitations than individual policies - limitations on duration of coverage, conditions that are covered, etc.Individual disability policies Can be purchased through private disability insurance companies More customizable than your typical group LTD plan They're portable - your policy will go with you if you leave your job These policies have less limitations than group policies Will require a medical exam when applying Benefits are received income tax-free   Do you have questions about your disability insurance policy, or need help while shopping around for one? DarrasLaw offers free consultations on disability insurance matters, including free policy analysis.

50% of working Americans couldn't make it a month without their income before financial difficulties would kick in. Could you? "You have a greater likelihood of becoming disabled than you do of dying before you retire, and yet more people understand the need for life insurance." Why don't most Americans have disability insurance? 1. "It won't happen to me." <ul> <li>One in three women and one in four men will have a disability that keeps them out of work for 90+ days at some point during their working lifetime</li> <li>70% of Americans have life insurance, while only approximately 40% of Americans have disability insurance</li> <li>Injuries and freak accidents aren't typically the cause of disabilities - nearly 90% of disabilities are caused by illnesses</li> </ul> 2. "My work will cover me." <ul> <li>Only 40% of employers offer short-term groupd disability insurance and only 33% offer long-term group disability insurance</li> <li>Only California, Hawaii, New Jersey, New York, Rhode Island and Puerto Rico have mandated short-term disability coverage to be provided to workers either directly or through employers</li></ul>What are your options? 1. Short term disability insurance <ul> <li>Designed to replace a percentage of your gross income for a short amount of time - may range from 60 to 180 days, depending on your policy</li> <li>You  need to wait for an "elimination period" before the coverage kicks in - the actual time period can vary depending on the policy</li> <li>Employers often offer short-term disability insurance to their employees, and many subsidize that coverage - if they do, the benefits are taxable</li> </ul> 2. Long term disability insurance What happens if your short-term disability coverage runs out and you're still out of work? Long-term disability kicks in after you've been out of work for an extended period of time, such as 180 days. <ul> <li>Can be acquired through a private insurance company or through a company-sponsored plan</li> <li>Long term disability insurance policies will typically pay between 40% to 60% of your pre-disability salary</li> <li>These benefits are paid for a specific period of years or until age 65 - every policy is different, so pay attention to the fine print</li> <li>There is an elimination period following the onset of disability to qualify for benefits - this can vary, but averages 180 days</li></ul>Group vs. individual disability insurance policies Group disability policies <ul> <li>Most people have a group LTD insurance policy - one they got through their employer or through a professional organization/association they're part of</li> <li>Employer may pay the premiums or at least a portion of the premiums</li> <li>Income replacement benefits paid under a group policy are taxable</li> <li>More limitations than individual policies - limitations on duration of coverage, conditions that are covered, etc.</li></ul>Individual disability policies <ul> <li>Can be purchased through private disability insurance companies</li> <li>More customizable than your typical group LTD plan</li> <li>They're portable - your policy will go with you if you leave your job</li> <li>These policies have less limitations than group policies</li> <li>Will require a medical exam when applying</li> <li>Benefits are received income tax-free </li> </ul> Do you have questions about your disability insurance policy, or need help while shopping around for one? DarrasLaw offers free consultations on disability insurance matters, including free policy analysis.

Disability Insurance 101

In this episode of the DarrasLaw Podcast, Frank Darras provides his guidelines for buying disability insurance for athletes. If you're a professional or soon to be professional athlete you owe it to yourself to listen to this episode.

In this episode of the DarrasLaw Podcast, Frank Darras provides his guidelines for buying disability insurance for athletes. If you're a professional or soon to be professional athlete you owe it to yourself to listen to this episode.

DarrasLaw Podcast - Guidelines for Athletes Buying Disability Insurance 

A federal court has approved the NFL concussion settlement. In this episode of the DarrasLiving episode, Frank Darras discusses the details of this settlement and what it means for the future of the NFL.

A federal court has approved the NFL concussion settlement. In this episode of the DarrasLiving episode, Frank Darras discusses the details of this settlement and what it means for the future of the NFL.

Federal Judge Gives OK To NFL Concussion Settlement 

The best podcast episodes on parenting. Interviewing experts and talking through common issues surrounding parenting. This topic is filled with important lessons and insights for anyone listening. Add episodes you're interested into your queue below!

OwlTail

Best Parenting Podcasts

The best podcast episodes on romantic relationships. Episodes talk about the 5 love languages, intimacy, and the taboo topics of sexual desires and infidelity. This topic is a deep dive into the science and complexities that face us in our relationships with others. Add episodes you're interested into your queue below!