Personal Injury Care Line

What is Disability Insurance?
The Social Security and Supplemental Security Income disability programs are the largest of several Federal programs that provide assistance to people with disabilities. While these two programs are different in many ways, both are administered by the Social Security Administration and only individuals who have a disability and meet medical criteria may qualify for benefits under either program.
-Social Security web site, June 2006

The Social Security office will want to check your medical history to be sure you qualify for disability benefits. The Social Security office is one way to get disability benefits, but in most cases these benefits will not be substantial enough for families.

Disability insurance can be obtained through any number of insurance companies. In the event that you are disabled, this insurance will serve as financial protection. You will receive a percentage of your gross income from your disability insurance policy, income that will ensure your own financial safety.

You do not have to go through the Social Security Office to take out a disability insurance policy, nor to receive the benefits from that policy. The Social Security disability program is not related to any disability insurance policy that you take out.

Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract.
-About Disability Insurance web site, June 2006

Types of Disability Insurance
Most people are familiar with two types of disability insurance: short-term disability, and long-term disability. Short-term disability insurance is included as part of a benefits package with many different employers, and usually provides an income in the early part of disability. Short-term disability insurance generally provides coverage for a period of several weeks, and does not exceed a two-year term.

Long-term disability, however, can last for a period of several years. These types of policies may be included as a part of employment, in a benefits package, but many purchase these disability insurance policies individually.

As far as disability insurance goes, however, there are still more policies to learn about. One type of disability insurance is the Own-Occupation Disability Insurance. The definition of this policy reads:

The inability to perform the material and substantial duties of your regular occupation, the insurance company will consider your occupation to be the occupation you are engaged in at the time you become disabled, they will pay the claim even if you are working in some other capacity.

Another kind of disability insurance is the Income Replacement Insurance. This is a very popular type of disability insurance, and most insurance agents are familiar with this policy. The language of this type of disability insurance reads:

Because of sickness or injury you are unable to perform the material and substantial duties of your occupation, and are not engaged in any other occupation.

Common in employee benefits packages, Gainful Occupation Coverage is another popular form of disability insurance. The language here is worded very carefully:

Because of sickness or injury you are unable to perform the material and substantial duties or your occupation, or any occupation for which you are deemed reasonably qualified by education, training, or experience.

Disability can occur at any time. While many people take their body and health for granted, serious accident or injury can happen to anyone and if you find yourself disable, for a short period or long term, how will you cope?

Disability insurance is a sub set of health insurance that will provide the holder with income should they become disabled and thus unable to continue earning a living. If this were to happen to you, do you know what you or your family would do for income?

If you are aged 40, there is a higher chance that you will be disabled, and thus unable to work for a period of 90 days or more, than of you dying before the age of 65. There are three common ways of insuring against this risk.

Employers Insurance

The first is to receive insurance from your employer. This is required by law in many states. It comes as a form of short or long term paid sick leave. Larger employers can have even more generous terms. For example, a common policy might offer you 60% of your salary for five years, or maybe even all the way up to retirement. While not everyone is lucky enough to work for such a company, it is worth checking with your employer to find out what your protection is and whether or not its something you wish to provide for yourself.

Long Term Disability

The second common protection against this type of risk is social security and disability benefits. This usually only covers employees whose disability lasts for a period of 12 months or more. It also must be shown to be so severe that you cannot find gainful employment. Therefore there are some gaps here that you may be more comfortable providing for with private insurance.

Individual Policies

The third method of dealing with this risk is with an individual disability insurance policy. This means taking out a private insurance policy yourself. You should shop around to make sure you get the best deal available, but at least you will have the peace of mind of knowing in what circumstances you are covered and what the terms of the policy cover.

There are some other sources of protection. Workmans compensation policies will sometimes step in to cover you if the injury occurred at work. Auto insurance may provide coverage if the injury occurred in a car accident and the Department of Veterans affairs can advise you if you think the disability is related to service in the armed forces.

Diminished Value – Get the Compensation You Deserve After an Auto Accident

The squeal of tires. The sickening sound of metal grinding against metal as you lurch forward in the driver’s seat. As you climb out of the car, you’re shaken – but thankfully you and the driver who hit you are not injured. Unfortunately, the same isn’t true for your car. Even after you endure the hassle of dealing with insurance companies and the inconvenience of taking your car in for repair, the bottom line is that your car simply isn’t worth as much. “The resale value of a vehicle with an accident history is considerably less than a comparable vehicle that’s never been in an accident,” says Omar Quddus, President and Co-Founder of Advocate Auto Claims LLC (www.advocateautoclaims.com).

This phenomenon is called “diminished value,” and the at-fault or third party’s insurance company has an obligation to compensate the driver who was not at fault for this difference in market price. “Insurance companies are required to restore a vehicle to its pre-loss condition and value,” says Quddus. “Unfortunately, most consumers aren’t aware that they are entitled to diminished value compensation – and insurance companies don’t volunteer that information.”

That’s the reason Quddus is on a mission to educate consumers about their rights, and why Advocate Auto Claims pursues diminished value claims on behalf of drivers who weren’t at fault in accidents. “Even when consumers are aware of the diminished value issue, they’re often ill-equipped to handle the roadblocks that an insurance company will throw at them,” he says. “Each insurance company has its own internal procedures, but those procedures can vary from region to region.” Similarly, the laws and regulations governing diminished value differ greatly from state to state.

The maze of regulations and loopholes, as well as the harsh stance taken by auto insurance companies against diminished value claims leaves consumers with few options. “Consumers may be involved in an accident once or twice in a lifetime; they simply don’t have the resources and knowledge to get the compensation they deserve,” says Quddus.

This is precisely why the owners of Advocate Auto Claims, who have more than 10 years of experience working with diminished value claims on behalf of fleet owners and rental car agencies, have opened their doors to consumers. While drivers can pay out of pocket for a vehicle inspection or a report to substantiate their claim, and an attorney may pursue such a claim in conjunction with a personal injury case, Quddus’ company handles every aspect of diminished value claims – and does so on a contingency basis. “The process of establishing diminished value and then negotiating the proper compensation is both an art and a science,” Quddus says. “We pride ourselves on our ability to get results, and don’t expect to be paid until you do.”

Nowadays auto insurance is the ideal way to ensure a good life for yourself and your expensive vehicle. Auto insurance keeps safe your huge amount of money spent on your automobile. But on the same hand, auto insurance is also quite expensive. However there are different types of auto insurance policies available today. It is at an individuals discretion which policy he can afford to adopt.

1.Fully Comprehensive Auto Insurance Policy Types- though this policy is the most expensive one yet it is the most widely adopted type of auto insurance. This is so because the insurance provides compensation or covers all sorts of cases such as theft, accident, wear and tear etc. If unfortunately an accident occurs where you were not at fault while the other driver who did the accident does not disclose his and his insurance details; you ought not to worry. For being a policyholder of the fully comprehensive program, you can register an insurance claim against your insurance company. But while taking this policy one essential thing should be borne in mind. There are a few auto insurance companies that do not insure your vehicle 100% of its value but of 80% or so. Even though many companies defend their policy as a measure to prevent themselves from fraud cases etc. yet try your bets to find the agency that insures your vehicle 100%.

2.Third Party, Fire and Theft- this type of insurance is basically meant for those car owners who have had finished their car loans but still admire, cherish their car and have great sentiments attached to it. This policy is somewhat akin to the fully comprehensive one but not identical to it. For like the latter the former covers cases of theft, accident, fire etc. but in case of an accident you can receive compensation only when you were at fault and had hit another car. So if any other car hits yours or you by mistake bang t in the garage, the insurance company will not come to your financial aid.

3.Third Party Insurance- it is the insurance that is the cheapest of all and covers only cases of accident where you were at fault and hit a third party. The insurance company is not to be contacted in case of any other mishappening with your vehicle. This insurance policy is generally preferred by those who own an old and less pricey car or any other vehicle.

4.Specialized Car Insurance- is basically for cars categorized as classic, those that are 25 years old. These cars are insured as classic and so accordingly they have their requirements and services. The classic car insurane policy can be said to be as good as the comprehensive one but the only drawback associated with it is that it limits the policy taker to a limited number of road miles he can drive in any given year.

Ultimately it is at the discretion of every individual which policy he desires to take. It is advisable to sort out ones requirements and budget and also make a survey of the auto insurance policies in the market before actually grabbing a policy.

Dental insurance offers coverage for your routine as well as not so routine dental work. It is an effective way to prevent damage to your teeth. It can be received via resellers and companies that provide dental insurance for individuals as well as families. Generally dental insurance policy includes cleanings, fillings and crowns, emergency tooth replacements, non-cosmetic oral surgeries and x-rays.

You should determine that what dental policy is best for you. For that purpose youve to answer yourself for some question like:

Can you choose your dentist?
Will your dentist provide better as well as cheap treatment?
What will your dental plan cover?
Will your dentist schedule an appointment for you?
What cost you can pay to your dentist?

Employees can get dental insurance from their employers but employers have rights to place restrictions on dental services covered in the plan. Theyll provide a list of dentists that are participating in the group dental insurance plan. Some dentists prefer PPO because in this plan insurer pays at least 80% on most claims. People can get 100% repayment for routine dental visits whereas major surgeries and cosmetic procedures may reimburse 50% to the dentist.

Other type of dental insurance is HMO that is the less satisfactory because in this case dentist charged higher costs. Under this policy eligible patients cant deny the treatment and people participate less in the HMO dental insurance plan.

Cost of dental insurance plans can be as low as $80 dollars a year. Low cost dental insurance plans usually works for your future dental work. Several employers provide better arrangement for their employees dental care. Emergency dental insurance plan may cover dental bills for routine visits.

It may often go overlooked, but dental insurance is something that every individual needs to think about. In the event of a sudden toothache, the need for a regular checkup or cleaning and even possibly oral surgery, dental insurance is a must. Coverage is available from a variety of sources, including some employers and national insurance providers.

Dental insurance is more affordable than medical insurance and can often result in low monthly payments for those who have to seek out the coverage themselves. The amount of insurance that is selected will determine what type of deductible, if any, the patient is responsible for.

It may be surprising, but many people develop problems with their wisdom teeth. In the event that they do not develop as they should, they may become impacted underneath the gums and need to be surgically extracted. This procedure is very expensive and requires a certain amount of followup care, which can really add up without dental insurance. There are a number of other reasons that someone would unknowingly need dental care, including an accident that requires

Unlike life or health insurance, the cost of dental insurance isnt particularly affected by age. While its true that a patients past oral health may be in question, it is much easier to get than other types. Prior to being accepted by a dental insurance provider, the patient may be required to undergo an oral checkup and x-rays in order to determine any previous or current conditions that may require treatment. In most instances, a new dental insurance policy will not cover previously known conditions. In other words, you could not find out that you have an impacted wisdom tooth and then sign up on a new dental plan to get the coverage for a procedure. The patient is required to disclose any previously known condition(s).

Dental insurance can be purchased as an individual plan or for the entire family. In order to make sure that a particular dentist accepts a specific dental insurance, the patient should inquire about the office policy prior making an appointment or arriving for treatment. The worst time to learn that a dentist doesnt accept your dental insurance is after receiving treatment and immediately prior to getting the bill. In order to avoid the headache, make sure that the dentist will accept your providers coverage ahead of time. In some instances, insurance plans are only accepted at specific locations.

Compensation solicitors have a well-earned reputation of being aloof. Their offices are like something out of the Victorian era. They’re professionals who don’t like outsiders telling them how to run their private little clubs, called “Firms”. All in all, they may even have a horrible reputation. So, what should you expect when you first meet a personal injury solicitor?

The Offices

Unlike the Dickensian movies you may have seen, accident solicitors these days like to work out of offices that are spacious and open-plan. Like banks, they hope to give visitors the feeling of being friendly and comfortable. More often than not, you’ll be met by a receptionist, but it is also likely that as soon as the solicitor knows you have arrived they will come and greet you and walk you through to their offices or a meeting room depending how packed their rooms are with files.

The Discussion

Having enter the room, it is likely that the first thing the compensation solicitor will ask you to do is to tell them all about what happened. It is at this time, the notes you wrote following the accident will come in handy as you can use these to tell the solicitor all about the accident.

If possible, you should also hand over any photographs you took at the scene of the accident and a copy of your medical report, if you have one. Don’t be overly concerned if the accident solicitor doesn’t say too much at this time and don’t worry if you see them taking notes from time to time. They only do this to jog their memories of facts they may want to ask you more about later or use against the other party.

The Questions

Frequently your personal injury solicitor will hear your story before they ask you any questions. Once you have completed your story they will then ask some questions that they feel are central to whether or not you’ll win your case. When answering these questions you need to be as honest as you can after all, if you mislead the accident solicitor you are really only misleading yourself. Waste his time, and you are wasting your own.

Agreeing To Act For You

So long as your story and your answers to his questions give the solicitor grounds to believe you have a claim, he’ll likely agree to act as your compensation solicitor. In that case you should expect the following things to happen:

If you have not already had a medical examination by this point, the solicitor will then arrange for you to have one.

The solicitor will arrange for you to sign an engagement letter authorising you to retain his/her services.

The solicitor will likely ask you to sign a power of attorney authorising him/her to have access to certain information relating to the case; such as your medical records and the status of your insurance claim;

In the engagement letter you sign, the solicitor will likely have a clause that says he can act as your represented solicitor in any discussions with the insurance company or the insurance loss adjuster.

The solicitor will ask if you have spoken to the insurance company and will then ask you not to talk to them directly any more but to direct any queries to him.

What Happens If The Accident Solicitor Doesn’t Agree To Act For You?

In certain circumstances, having heard your story the personal injury solicitor may tell you that they cannot act for you in this matter. Now, there may be a number of reasons for this.

It may be the case that they do not think you’ll win the case. Just as likely, it could be the case that having heard your story they have become aware of a conflict of interest and realise they cannot, professionally and ethically, act for you.

Whatever the case, if the solicitor tells you that they cannot act for you, you should ask them if they can recommend to you an accident claim solicitor who can help you. In most cases they’ll be very happy to give you the name of an accident compensation solicitor they believe will be happy to represent you.

Finals…

Don’t be misled into thinking that everything has to be one way. If you are not too sure whether you want to retain the services of the accident solicitor for your compensation claim you should feel free to ask questions of them.

Good questions you may want to ask are what areas of law they specialise in (to make sure that they specialise, or at least know, the area of law that is going to affect your case) and how many similar cases they have won in the past (so you get some idea about their track record!).

Whatever you do, do not be afraid or overawed by being in the presence of an accident claim solicitor they’re only human after all!

Finally

So do you really need to see them?

Not really, as you can cut out the journey, which practically saves you a lot of time and energy. Today, to be efficient, everything is done either on the phone or over the net, except for the obvious court attendance. Not virtual yet, but could be in the future!

Comparing comprehensive car insurance will save you money and time. Instead of running around all day, looking for car insurance you can use the quotes online to compare policies.

The online tools give you access to thousands of insurance providers that will help you find the best rates.

When you consider car insurance, you want to think – comprehensive – third party – third party liability – third party fire/theft – and so on.

Comprehensive -

This full coverage policy varies from company to company. You can find full coverage that will cover a wide arrange of issues, yet some policies have stipulations, clauses, etc that stops at a point.

When you research for full coverage, look through the plans, compare to see what you have available. You will find plans that will cover your overall car needs, yet how soon they pay out is something to consider. Some companies will pay out quickly, while others will put you through more drama than you will go through in a car crash. Take time to explore.

The law in most states expects third party, i.e. you at least need liability coverage in your town to avoid court fines and costs. You want to check around. Some of the third party coverage insurance will cover basics, but if your car catches afire, you are hit.

Comprehensive coverage is often best if you own a newer vehicle. In fact, when you purchase a vehicle from a car lot you will have to have full coverage insurance before you can drive the vehicle away.

If you have insurance already and feel that, the cost is more than you should be paying. You can search the Internet and use insurance quote tools to find lower prices. Use the quote tools at the insurance sites online to compare cost, policies and companies.

Look for the lowest rates on premiums. If you agree to pay a higher deductible, you can get your premiums lowered. Deductibles range from $250 and up. The higher deductible you agree to pay the lower your premiums will be. Deductibles in the amount you agree to pay out of pocket on repairs caused from accidents, incidents, and so on.

If you have an older vehicle, you can surface with third party- third party liability – or third party fire/theft. Your best bet is to apply for third party liability. Third party insurance only will usually cover the other party’s damage and not yours. Liability protects you from lawsuits in the event you may cause an accident.

As I said, using the insurance quote systems online is wise. You can compare insurance costs and policies to learn more and find the best deals. Be sure to examine the company you discover offering good deals to make sure that this company has a good reputation.

Compare Term Life Insurance – The Only Way To Save Money

Term life insurance shopping is easier than shopping for the equity based permanent plans. It is much easier to compare term life insurance because it is the simplest form of all life insurance policies. Term life insurance consists of a few things that make your shopping relatively easy. Term life insurance means that there is a definite term or period of time that you are insured. The insurance coverage will cease at the end of the term period. The first thing that you must choose is the time period that you need the coverage. A home mortgage policy is the best and easiest example. It is usually a decreasing term policy that declines at approximately the same rate as the home mortgage. It is the perfect policy to protect your home. The amount of insurance and the time period is already in place and that enables you to have a well defined quote comparison.

There are some things to consider when comparing term to term. Most of your insurance carriers will be stock companies. They are owned and operated by the stockholders. Their policies have no dividends. Mutual Insurance companies are technically owned by the policyholders and so a dividend is often returned back to the insured. It is better to compare stock companies with stock companies and mutual companies with mutual companies when shopping for term life insurance.

The online shopper has a great advantage when comparing term life insurance. It makes it so much easier when they are looking for term Life insurance. The permanent plans have so many variables and options as compared to term life insurance. Make sure that you compare the same face amounts with the same time periods. Term policies are sometimes sold in bands. That means that the rates for higher face amounts may decline per thousand dollars of coverage. You can be aggressive when you know the amount of coverage you need and the length of time you need it. Determine those two needs and then shop until you drop.

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