Disability Insurance Comparisons

Disability Insurance Comparisons

Comparing Long Term Disability Insurance Policies When you’re looking at disability insurance comparisons from different sources, make sure to pay close attention to the specific terms of the policies you are considering. While there are many similarities among long...
Rehabilitation Benefit

Rehabilitation Benefit

To help a disabled insured person return to work in his or her own occupation, most disability insurance policies include a rehabilitation benefit. This benefit will pay some of the expenses incurred when the insured enrolls in an approved rehabilitation program. The...
Definition of Total Disability

Definition of Total Disability

For the purposes of determining the exact circumstances under which an insured may be entitled to benefits under a disability income insurance policy, Total Disability can be defined in two general ways: Own Occupation Definition of Disability Under this definition,...
Examples of Disability Insurance Claims

Examples of Disability Insurance Claims

It may surprise you that only 14% of disability insurance claims are caused by injuries, most are caused by illness. Thus, the number of claims due to illness is six times more likely  to occur than claims due to injuries. (1) The following gives actual recent claims...
The Role of Disability in Mortgage Foreclosure

The Role of Disability in Mortgage Foreclosure

Disability insurance coverage is one of the most overlooked, under-attained coverages in the United States, even though availability of it is on the rise. About 100 million workers are without disability income insurance. There are several reasons for this disturbing...
Disability Insurance Glossary

Disability Insurance Glossary

Learning about disability insurance can be a daunting task, especially if one doesn’t know the meaning of the specialized words, of which there are many. In this disability insurance glossary, we have defined many of these terms used throughout this website and,...

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Richard Reich

CEO - Licensed Agent

Richard Reich CEO and Licensed agent

In my 20+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs.  Being independent, I represent many highly-rated insurance companies and, because I am not beholden to any one insurance company, my focus is to find the right company and policy for each individual client. I believe that when people shop for insurance (or anything else, for that matter) on the Internet, they are looking for a simple, non-intrusive, non-pressure method of doing so.  I strive to treat my prospective clients with the utmost respect and I believe an educated prospect can make the right decision without sales pressure. Please feel free to contact me at your convenience.


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