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

A bill introduced in Congress this month would end the disparity in how long-term disability insurance carriers treat physical conditions and mental conditions or substance abuse disorders. Today, ...

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, ...

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

With a background in journalism and counseling, Penny Min blends analytical research with real-world insight to help readers make informed financial decisions. At Forbes Marketplace, she specializes ...