Offsets are a tool insurers use to reduce the benefits they owe an injured worker by deducting benefits the worker receives ...

We independently evaluate all of our recommendations. If you click on links we provide, we may receive compensation. Myles is a former senior insurance editor for Investopedia. He oversaw the strategy ...

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, ...

How would you support yourself or your loved ones if you couldn't work due to an injury or illness? A majority of respondents said they'd dip into financial reserves or borrow, according to a study by ...

“We’ve been paying into long-term-care insurance since we were in our mid-50s,” said a friend, now in her late 60s. “But with all of the premium increases, we might have been better off just investing ...

We often read about the consumer's need for long-term care, but insights into what consumers think about the need for such protection is seldom addressed. A white paper by OneAmerica Financial offers ...