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In essence, insurers sell “paper,” a promise to pay in the future in exchange for cash now. Insurance is designed to protect against risk, because individuals who buy insurance are financially compensated in case of loss. For protection against loss, individuals pay insurance companies for specific types of risk. Individuals pay premiums to an insurer […]

Posted in Economics, General Disability Issues | Tagged , , , |


By Scott B. Elkind, Esq. Unsatisfactory Condition of Social Security in 2014 The 2014 Summary of the Status of the Social Security and Medicare Programs from the Social Security and Medicare Boards of Trustees points to many program funding problems. The Social Security Disability Insurance (DI) program fails to satisfy the Trustees’ long range financial […]

Posted in Social Security Disability Benefits | Tagged , , |


By Scott B. Elkind, Esq. Let me review some of the current statistics: In 1999, 75% of U.S. households carried life insurance while only 40% carried disability insurance although you are three times more likely to suffer disability over the course of your working life 9 out of 10 bankruptcies involve medical debt. Nearly half […]

Posted in Private Disability Benefits | Tagged , , |


By Scott B. Elkind, Esq. Whether you are getting up to that time or not, it is time to take out your disability policy and actually read it. I know it might be a little difficult. I don’t mean the legalese, but the actual removal of the policy from the protective plastic holder which pulls […]

Posted in General Disability Issues | Tagged , , , |


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