You selected private disability insurance and have not thought much about it since…until disability struck. Many folks wrongly assume that disability insurance coverage stay constant. The truth is many disability insurance coverages as well as premiums can change over time. Three basic types of renewability disability coverages are available today. Choosing the right one guarantees…
Each year, I review my calls and emails from prospective LTD clients, claims against LTD insurers and bases for denial. This past year, I have noticed less uber-aggressive tactics from the largest LTD insurer, Unum. Also, Portland LTD insurer Standard has shown willingness to be reasonable. On the other hand, this past year I have…
Occupational hearing loss is the most common work-related injury in the United States. Approximately 22 million U.S. workers are exposed to hazardous noise levels at work, and an additional 9 million are exposed to chemicals causing hearing damage. An estimated $242 million is spent annually on worker’s compensation for hearing loss disability. Have you suffered…
On October 2006, a 13-year-old middle school football player named Zackery Lystedt collapsed from a traumatic brain injury when he was allowed back into a game just 15 minutes after suffering a concussion. Zackery spent the next nine months in a coma, and now still sits in a wheelchair. He has regained his sight and ability to…
Driving in an uninsured vehicle in Oregon carries a stiff penalty. If caught, you will be fined up to $250 and will be required to file proof of insurance with the DMV for a period of three years. In addition to the fine, your driver’s license will be suspended for one year. If you cause…
AARP Oregon hosted a Scam Jam October 22, 2013 at the Oregon Convention Center, to help all age groups learn when to hang up the phone or shut the door on con artists. Scam Jam is an educational and entertaining program where you can learn about today’s scams and schemes, such as Medicare fraud, insurance and investment…
The Oregon Department of Transportation is in the early stages of developing a project to improve safety on the U.S. 26 Mt. Hood Highway just east of Rhododendron and west of Oregon Highway 35, where the crash rate is twice that of other primary, rural non-freeway Oregon highways. Planned Safety Improvements for US 26 An…
The definition of “Own Occupation” on a Long Term Disability policy use to mean: Because of sickness or injury that prevented you from performing the material and substantial duties of your regular occupation, you were considered to be totally disabled, even if you were at work in some other capacity, so long as the disability…
Labor Day weekend is considered the second deadliest major holiday period for Oregon highway travelers. This 2013 Labor Day, as part of the nationwide “Drive Sober or Get Pulled Over” campaign, Portland Police Bureau and Oregon State Police concentrated increased DUII enforcement efforts in the downtown area and along interstate freeways and state highways. They…
The Americans with Disabilities Act (ADA) prohibits discrimination on the basis of disability in employment, state and local government, public accommodations, commercial facilities, transportation, and telecommunications. How Does the ADA Define Disability The ADA applies to persons who either actually have, or are thought to have, a physical or mental impairment that substantially limits what…