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

If you have a physically demanding career, obtaining disability insurance could be a smart move to protect your income if you're unable to work due to a chronic illness or injury. People in trade work ...

Discover how own-occupation policies protect your income if you're unable to perform trained duties due to disability, plus ...

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, ...

People don't get to choose the illnesses that render them too disabled to work, but insurance companies have the power to approve or deny claims based on where in the body their condition exists. It's ...

Forbes contributors publish independent expert analyses and insights. Cicely Jones simplifies financial concepts for young professionals. I recently met a woman who, despite having a great career and ...

Learn how elimination periods impact insurance costs and benefits. Discover tips for choosing the right waiting period for ...