Women Should Avoid Delay When It Comes To Purchasing Insu

Ontario, CA – With so many of us depending on women, one would think they would have insurance policies in place to protect themselves, their income, their lives and their families, says Frank N. Darras, the nations leading disability and long term care insurance lawyer.

According to Darras, the cumbersome task of comparing features, advantages and benefits is so time consuming, that it often gets pushed aside. Women unfortunately are taking care of everyone else first and protecting themselves with the right insurance, last. See www.sbd-law.com.

“Protecting yourself first and your family’s financial future will depend on how carefully you shop. Be smart and make sure you understand the fine print. Do the representations from the sales brochures match the language in the policy? Have any legalese translated into simple English so you’re sure you get what you thought you bought,” says Darras.

With over 20 years experience litigating insurance law cases, Darras offers these key points:

LIFE INSURANCE If you’re young, single and no one depends on you for income or financial support and you have enough money for burial and funeral expenses, life insurance may be unnecessary.

For the rest of us, the monetary pain of making life insurance premium payments should be alleviated by the peace of mind and security of knowing we are leaving our loved ones financially secure.

DISABILITY INSURANCE Decide how much coverage you need and what you can afford. To save money on the premiums, opt for a longer waiting period. Obtain the longest benefit period possible that protects you in your “own occupation”. Look very closely at policies that only protect “your occupation” for 24 months then require you be disabled from every occupation based on your training, education and experience. “Most importantly, take a hard look at the ‘limitation on benefits’ section,” says Darras. "Many carriers limit mental/nervous claims to 24months, offer no benefits for pregnancy and cap self-reported claims like CFS, headaches and fibromyagia to 12 months."

LONG-TERM CARE “Look carefully at what services the long-term care policies cover and who can provide the care” says Darras. “Find a good, reliable, claims paying insurer and research the Company’s commitment to Long Term Care. Check the overall financial strength and size of the Company and ask how many times they have increased their rates in the last ten years. If you need long-term care, ask if you can have the care provided: in your home, by a family member or friend, in the home of a family member, in an adult care service facility, in an assisted living facility, a hospice facility or in a nursing home. Understand the policy terms custodial, intermediate and skilled care and consider which type you may need and how soon” says Darras.

For more information see www.sbd-law.com or call 800-458-4577.

NOTE TO EDITORS: Darras available for interviews. Contact: Robin Nolan, 650-279-9512, robin@mcdavidpr.com