Having disability insurance is a great security measure to protect you against the unknowns of the future. But it is important to understand that disability insurance benefits and terms can change, and you need to be prepared for that possibility. It is important to review policy details periodically and consider speaking with an attorney who specializes in disability insurance to determine whether your coverage is adequate to meet your needs. At Seltzer & Associates, we don’t sell insurance, so we have nothing to gain by pointing out deficiencies in your coverage. We help policyholders when they need to prepare and […]

When you’ve invested time and resources to build your career, part of your success plan includes protecting yourself from foreseeable risks with insurance. You purchase car insurance with uninsured motorist coverage to protect you in case of a collision with an irresponsible driver. You purchase liability coverage for your property in case someone should allege that they were injured on your premises. And you purchase long-term disability insurance to protect you in case an injury or illness renders you unable to work. The question is, work at what? If you have what is referred to as an “own occupation” insurance […]