More than 37 million Americans suffer from migraine headaches, also known as vascular headaches. Unlike a regular headache, migraine headaches are debilitating, with extreme levels of sharp pain in the head and often in the ears or eyes. Some patients experience extreme changes in their vision, which are known as ocular migraines. Most migraine headaches […]

zThe United States Supreme Court has handed down a decision that is sending shock waves through the disability plaintiff’s bar. In Heimeshoff v. Hartford Life & Accident Insurance Co., the U.S. Supreme Court has held unanimously that the time limit contained within the ERISA plan is enforceable – and the clock starts ticking from the […]

Long term disability insurance claimants and future claimants need to be aware that any time they enter a retail establishment this holiday season – independent store, big box, outlet or a mall – their actions are on camera and it is extremely likely that they are being recorded. With surveillance cameras, sophisticated systems that ping […]

Financial ratings service Moody’s has upgraded its negative outlook on the US insurance sector from negative to stable – good news that points to expectations that the national economy is finally moving forward in a positive direction. The projected rise in interest rates will especially benefit annuity products with long-term guarantees (e.g., payout annuities, structured […]