Very few businesses these days can get by without an online presence or without the use of computers or even cloud-based services or social media. Because of this, if you are operating a business in or around Chandler, Arizona, or are in the process of launching one, it is essential to explore your cybersecurity and data breach insurance options. To discuss your particular enterprise’s exact needs, contact us at Arnett & Arnett, PC.
In Arizona, employers are required to establish and make regular contributions to a pension plan on behalf of their employees. Upon retirement, the funds available in the pension plan may be available to the employee. However, there are specific rules addressing how and when to file a claim and the requirements for processing pension benefits in the Grand Canyon State.
Negligence is a big factor in insurance claims and lawsuits. For instance, if you leave your home in the morning and then crash into another vehicle, you can be held responsible for any injuries and damages you caused due to your negligence.
Professional liability insurance, also sometimes called errors and omissions insurance, fills in where general liability insurance leaves off. General liability insurance will cover claims for those who suffer some sort of property damage or for customers or others injured on your premises. Professional liability insurance will cover claims for acts of negligence, or errors and omissions, in the performance of the services you provide.
Purchasing a home is generally the largest investment people will make in their lifetime. Though homeownership is part of the American Dream, it is also risky if you don’t cover all the legal bases of events from the past resurface to haunt you and your dream.
You buy insurance coverage for your home, paying rising premiums year after year. When you finally need to make a claim, you assume your insurance company is just going to pay what you think it should. Unfortunately, it’s usually not that easy.
According to the Bureau of Labor Statistics (BLS), about 40 percent of U.S. employers, both public and private, offer long-term disability (LTD) policies. These policies may vary in how a disability is defined and how long benefits will be paid, and it provides compensation when the policyholder is unable to work because of a disability.
If you’re disabled under the definition used by the Social Security Administration (SSA), you may qualify for Social Security Disability Insurance (SSDI) to provide benefits while you are unable to work.
When faced with a serious injury or illness, several issues begin to take priority, including your treatment plan, surgeries, recovery, and the well-being of your family. While it may not take immediate priority, filing a long-term disability claim can be vital as you begin the long road to recovery.
Disability insurance provides income or financial assistance to disabled or incapacitated policyholders – employees and business owners – who are unable to work. Depending on the policy’s terms, your health condition, and other factors, your insurer may offer you a lump-sum payment to buy out your remaining future disability benefits.
