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Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
Answers to your practical questions such as how to travel safely despite your health condition, how to avoid getting infected by a pet, and what to say or not say to an insurance company.

Disability Insurance: Long Term: Group

Insurance Company Financial Situation

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You can't rely on an income form a Disability Insurance policy if the insurer won't be able to pay the benefit, or if it goes out of business.

You can check the company's financial situation through third party rating agencies such as AM Best (www.ambest.com offsite link), Standard and Poor's (www.standardandpoors.com offsite link) or TheStreet.com (http://thestreet.com/ratings offsite link) formerly Weiss Ratings.

Check with your state insurance department to find out whether there have been complaints about the company, and if so, what they are. For contact information for your state agency, see: www.naic.org offsite link.

Also check to see what, if anything, is known about the company at your local Better Business Bureau. For contact information, see: www.bbb.org offsite link.


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