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How to Appeal a New York Life Long-Term Disability Denial

New York Life Insurance Company is one of the largest long-term disability insurance providers in the country, with roughly $1.5 billion in in-force premiums. That includes premiums from 9 million or so customers they added to their list in 2021 after purchasing Cigna’s group life and disability business. If you’ve recently had a long-term disability claim denied by New York Life (or its…

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Four Common Misconceptions About Life Insurance

Death and taxes, right? I mean, we know those are the two things we can always count on. On a happier note, one of these we have to deal with only once rather than the other, which we have the joy of facing repeatedly throughout our lives. So why, if we all die, does literally every single person on the planet not have life insurance? Seems like a no-brainer that if a life insurance policy will…

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‘MAGA’ Backers Like Trump’s ‘Big Beautiful Bill’ — Until They Learn of Health Consequences

Nearly two-thirds of adults oppose President Donald Trump’s “One Big Beautiful Bill” approved in May by the House of Representatives, according to a KFF poll released Tuesday. And even Trump’s most ardent supporters like the legislation a lot less when they learn how it would cut federal spending on health programs, the poll shows. The KFF poll found that about 61% of Republicans and…

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Want To Retire at 60? See if You Can Answer These Five Questions

It’s possible to retire at 60, even though the average age for retirement is 62. Many Americans want to retire early or at the latest, by 60. For some, they have no choice due to health issues, job loss, or a change in their family situation. For others, they are sick of working and are ready to start their next chapter. Either way, it’s not uncommon to retire before Social Security and Medicare…

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Social Security Sees ‘Dramatic Increase’ in New Filers: Should You Claim Early?

Social Security has been in the spotlight ever since the Department of Government Efficiency (DOGE) began searching for waste and fraud in several government agencies, including the Social Security Administration (SSA). Add concerns that the Social Security trust fund is running out of money to the mix, and many Americans are worried about their future benefits. The SSA reported in late April…

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Bank Of America Now Makes A Bold Move With XRP • FrankNez

Bank of America now makes a bold move with XRP as reports suggest that the bank is executing internal transactions through XRP. A recent report from FOX Business News has brought attention to a bold statement regarding Bank of America and its use of the cryptocurrency XRP. This assertion, made by David Stryzewski, the CEO of Sound Planning Group, suggests that the banking giant is executing “100%…

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Long-Term Disability Insurance and Pre-Existing Conditions: 6 Things You Need to Know

You’ve filed your application for long-term disability (LTD) benefits, carefully providing all the necessary information and submitting all your relevant medical records. When you get the insurance company’s response, you’re shocked to see a denial of benefits. The insurance company found that your disabling conditions were pre-existing (and therefore, not covered by your policy). At Bryant Legal…

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Let’s Talk About Life Insurance

Have you had a conversation with your family about life insurance? It might not feel like the most natural discussion to have around your dinner table, yet it’s one of the most important. While the topic can feel a little heavy, it doesn’t have to be. Talking about life insurance and the steps you’re taking to protect your family can be reassuring and empowering to everyone in your…

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‘Not Accountable to Anyone’: As Insurers Issue Denials, Some Patients Run Out of Options

BRIDGEPORT, W.Va. — By the time Eric Tennant was diagnosed in 2023 with a rare cancer of the bile ducts, the disease had spread to his bones. He weighed 97 pounds and wasn’t expected to survive a year with stage 4 cancer. Two years later, grueling rounds of chemotherapy have slowed the cancer’s progress, even as it has continued to spread. But chemotherapy has also ravaged Tennant’s body and his…

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The Hidden Cost That’s Ruining Vacation Home Dreams

Over the past three decades, retirees and near-retirees have flocked to managed communities — condominiums, townhomes, and 55+ developments — seeking predictable costs and “lock-and-leave” convenience. Yet today, a “triple whammy” of rising homeowners’ association (HOA) assessments, soaring property taxes, and spiking insurance premiums is forcing prospective buyers — and their financial advisors…

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How the Social Security Administration Is Coping with Rapid Change

The Social Security Administration (SSA) has undergone some significant changes since President Donald Trump took office in January, impacting the nearly 70 million Americans who receive some form of benefits. New rules and policies have been introduced, and cutbacks have been made by the Trump administration and the Department of Government Efficiency (DOGE). The changes are intended to update…

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Bank of America CEO now says the banking industry will embrace crypto • FrankNez

Bank of America CEO now says the banking industry will embrace crypto as long as proper regulation permits the adoption. In a recent statement, Bank of America CEO Brian Moynihan expressed optimism about the potential for the U.S. banking industry to fully embrace cryptocurrencies for payment transactions, contingent upon regulatory approval. This insight comes amidst growing interest in digital…

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How to Appeal a Prudential Long-Term Disability Denial

With nearly $1 billion in in-force premiums, Prudential Financial (via its subsidiary, Prudential Insurance Company of America) is one of the 10 largest providers of long-term disability insurance plans in the United States. They also, like many large insurers, have a long history of unfairly denying legitimate claims. Courts have had to hold them accountable many times, including a $40 million…

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Six Reasons to Have Life Insurance

Life insurance can be a tricky topic to navigate for anyone. For some, it’s an important financial tool that can help them protect themselves and their loved ones in the event of an untimely death, while for others, it’s simply throwing away money for something that most likely won’t happen anytime soon. There are different reasons why you may want to consider getting life insurance or increasing…

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7 Tips from an Orthodontist

  Navigating the Halloween Season While Wearing Braces  Halloween is a time for costumes, spooky decorations, and, of course, candy! This is a favorite holiday for many, but if you’re one of the millions of people with braces, you might feel left out of the sweet festivities. Don’t worry; you can still enjoy Halloween candy while taking good care of your braces. In this blog post, we’ll explore…

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From Broadway to Broadview: Jane Alexander’s Unique Retirement Choice

Actress Jane Alexander spends a lot of time on the stage or in front of the camera, but when she isn’t filming a movie like “Kramer Vs. Kramer” or “The Cider House Rules” or starring in a Broadway play like “The Great White Hope,” you can find her at SUNY Purchase — auditing classes, mentoring students or befriending the faculty. Her free time is also filled with singing with the college choir,…

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Don’t Let Chronic Illness Drain Your Retirement Savings

Living with a chronic illness can introduce a world of challenges, from physical symptoms to the expense that comes with paying for medical care to manage your condition. It’s especially important to consider your chronic medical conditions when planning for retirement. The CDC reports that an estimated 129 million people in the U.S. live with chronic illness. And the National Institutes of…