Episode 9: Guardian & Berskhire Life Long Term Disabilit Insurance Claims

It is not often we say positive things about disability insurance companies, but Guardian Insurance Company and Berkshire Life Insurance Company are two companies that usually try to do the right thing for their policy holders. Guardian has been in existence since 1860 and has over 5000 employees. In 2001Berkshire Life merged with Guardian. Berkshire Life sells individual ERISA exempt disability policies and Guardian sells Group disability insurance policies. Guardian has over 42 billion dollars in assets under management and revenues have exceeded 7 billion dollars. In this episode disability insurance attorneys Gregory Dell & Stephen Jessup of Attorneys Dell & Schaefer discuss Guardian and Berkshire Life Disability Insurance Companies and their handling of long term disability insurance claims. More specifically we will discuss: 1) A New York disability insurance case about a dentist that was claiming total disability but Berkshire Life was claiming the dentist was residually disabled. 2)What is a "dual occupation"? 3)A Florida case against Berkshire Life discussing how to determine what a person's "own occupation" is at the time he is or she becomes disabled. 4)The ability to be collect total disability benefits and continue to work in a different occupation For additional information about Guardian or Berkshire Life please visit our website at www.diattorney.com



http://www.youtube.com/watch?v=7yi1Moi51Vc&hl=en

Shame On You: Rep. Speier To You Mr. Sullivan. President Eric R. Waxman Dinallo, Superintendent, NY State Insurance Department E. Lynn Turner, arc accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, managing director of AIG

Obaid Karki an outcast Talking Underdog Libertarian Kabbalist Diogenesist Spinozists Qutbist Pantheon Hexalingual AutoMATH UAE Former Secretary Independent Street-Knowledge Urban-head. No relation to a state of organized religion group, a sect or a Kin and an Anti Tribal Gentile. Each set is a serious decision. That is my bio. If you do not agree with me thats an honor. E 'immoral to appease to please. My word hurts big, because it is the quality of a moment of truth U.S. conspiracyIs a Grassroot Religion alas belief masterminded by the management Worthy worthless. In this thing to show that the disabled free. E 'Disneyfication spectacle to glorify the heritage of ghosts as the Rothschilds, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced this task, just because they are assigned, a Untalentable Aristocrat Urban Parasites . edutain AIG American International Group,Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 (9.30%) on October 7 clock 04:00 ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90,285,327 Avg Vol: 218,654,000 Market Cap: 9.44B Disclaimer After Hours: 3.54 0.03 (0.85%) October 7 7:59 ET clock crisis strengthens hand in AIG bid Manulife Manulife and other insurers are expected for the AIG already offer this week, they said. The American insurance giant AIG executives under pressure to sell the former Get HarshCritics ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

AnglinBakerBNI.MOV

BNI Testimonial: Baker Anglin current Vice-President of Rainmakers and MassMutual Financial Group health, life and disability insurance agent. Anglin says he is a member of the group's oldest and largest network in the world!



http://www.youtube.com/watch?v=JmXZW6VxMR4&hl=en

asset growth with FREEDOM FLEX ®

Saving for retirement has never been easier! With our product FREEDOM FLEX ®, we offer the solution to a retirement financial strength and peace of mind knowing that in case of premature death and disability from an age of 100 term life insurance are the subject of certificate / policy . FREEDOM FLEX ® is a term life insurance deposit. In the first year will be a part of the prize, a modified version of the 100-year term premium life insurance certificate / policy and an associatedoptional disability. The rest of the prize is a founding part of the certificate / policy assigned and mature in 10 years. At the end of 10 years, this added bonus for you is more than 260% of the original rear, where the plan is not resolved before the first 10 years. After the first year of its payment will still be necessary for the risk premium associated with life and disability insurance is optional. And now the rest of the premiumgoes to work for you in your choice of vehicle for wealth accumulation. accumulation of wealth may be vehicles, such as a no-load mutual fund of your choice. With a choice allows you to control the investment strategies. Which option to choose each, 100% is the non-dollar life insurance premium to work for you. At the end of 10 years you will be able to determine what is best for you. You can stop payments or continue as long as you want. Depending on theSpecific ...



http://www.youtube.com/watch?v=PRrtfySNKXw&hl=en

Shame On You: Rep. Speier To You Mr. Sullivan. President Eric R. Waxman Dinallo, Superintendent, NY State Insurance Department E. Lynn Turner, arc accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, managing director of AIG

Obaid Karki an outcast Talking Underdog Libertarian Kabbalist Diogenesist Spinozists Qutbist Pantheon Hexalingual AutoMATH UAE Former Secretary Independent Street-Knowledge Urban-head. No relation to a state of organized religion group, a sect or a Kin and an Anti Tribal Gentile. Each set is a serious decision. That is my bio. If you do not agree with me thats an honor. E 'immoral to appease to please. My word hurts big, because it is the quality of a moment of truth U.S. conspiracyIs a Grassroot Religion alas belief masterminded by the management Worthy worthless. In this thing to show that the disabled free. E 'Disneyfication spectacle to glorify the heritage of ghosts as the Rothschilds, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced this task, just because they are assigned, a Untalentable Aristocrat Urban Parasites . edutain AIG American International Group,Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 (9.30%) on October 7 clock 04:00 ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90,285,327 Avg Vol: 218,654,000 Market Cap: 9.44B Disclaimer After Hours: 3.54 0.03 (0.85%) October 7 7:59 ET clock crisis strengthens hand in AIG bid Manulife Manulife and other insurers are expected for the AIG already offer this week, they said. The American insurance giant AIG executives under pressure to sell the former Get HarshCritics ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

Health and Education

Health is wealth. The old saying, that he never lost his teeth. As you can misunderstand the value and importance of fiat money, is our well-being as well? Education is the nation that people's health. Without health, no joy of life to enjoy. Without education, none of the generosity of life can be enjoyed by society. If we succeed in procreation, but fail in education, what do we have? Nature seems to those organisms that leave the environment better, pleaseform for their children to survive. As we perch on top of the food chain, responsible, among other things, the largest mass extinction in 65000000 years we have by nature, enjoy the favor? We do not speak so bluntly, so open, have not been mentioned at the time a factor, an important factor in any case. The competition between entropy and ecstasy, and is actually connected. The simple observation suggests that the entropy is in front and pull out - a conclusion that we refute an optimiststrong. As the Chinese say, is all auspicious signs in abundance and reaffirm the National Optimists believe, as we always have, that the solutions, the optimal solutions for every challenge that we exist. But our time to act is now. Our window of opportunity is open, but not unlimited. We encourage our leaders to lead, powerful, with the intention of improving joint basis and with our hearts. If they do, it is our responsibility as citizens, not just say,so ...



http://www.youtube.com/watch?v=rokrm2YRrZM&hl=en

Hiking

What is the sign of a good decision? Sometimes you see the Vista uses a trusted person to lead. In the world of personal finance is the sign of a good decision MassMutual.



http://www.youtube.com/watch?v=NE_wHxld710&hl=en

Liberty Mutual Ad (first edition): "Half Acre"

This will download the video of those links. MPEG: MOV www.sendspace.com: www.sendspace.com AVI: www.sendspace.com The first product in the "good deeds" series of television commercial for Liberty Mutual by the advertising agency Hill Holliday. It offers good deeds for foreign residents to do the same inspired the audience. The song is "Half Acre" by Hem. E 'on their 2002 album "Rabbit Songs." www.myspace.com View: For more information about the band on their MySpace page can be found hereThe second edition of the ad here: www.youtube.com Source: www.hhcc.com



http://www.youtube.com/watch?v=wMwoexR1evo&hl=en

Shame On You: Rep. Speier To You Mr. Sullivan. President Eric R. Waxman Dinallo, Superintendent, NY State Insurance Department E. Lynn Turner, arc accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, managing director of AIG

Obaid Karki an outcast Talking Underdog Libertarian Kabbalist Diogenesist Spinozists Qutbist Pantheon Hexalingual AutoMATH UAE Former Secretary Independent Street-Knowledge Urban-head. No relation to a state of organized religion group, a sect or a Kin and an Anti Tribal Gentile. Each set is a serious decision. That is my bio. If you do not agree with me thats an honor. E 'immoral to appease to please. My word hurts big, because it is the quality of a moment of truth U.S. conspiracyIs a Grassroot Religion alas belief masterminded by the management Worthy worthless. In this thing to show that the disabled free. E 'Disneyfication spectacle to glorify the heritage of ghosts as the Rothschilds, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced this task, just because they are assigned, a Untalentable Aristocrat Urban Parasites . edutain AIG American International Group,Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 (9.30%) on October 7 clock 04:00 ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90,285,327 Avg Vol: 218,654,000 Market Cap: 9.44B Disclaimer After Hours: 3.54 0.03 (0.85%) October 7 7:59 ET clock crisis strengthens hand in AIG bid Manulife Manulife and other insurers are expected for the AIG already offer this week, they said. The American insurance giant AIG executives under pressure to sell the former Get HarshCritics ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

Authors @ Google: John C. Médaille

Towards a truly free market: a Distributist perspective on the role of government, taxes, health care, deficit and more tries with the "free market" rhetoric to reality last three decades the leader of the free market, years Keynesian economic policies have been reversed Government only bigger, more debt, and produces more centralized economic power. So how can a truly free market economy, particularly in the historical moment in which capitalism appears to be in crisis? L 'answer, says John C. Médaille, it must be admitted that the economy something on the order of the physical sciences, it must be a human science, taking into account the fundamental social contexts. Towards a truly free market, argued that any attempt to divorce the economic balance of the economic capital of an unbalanced economy, falling or lead to ruin or to the destructive government attempts to redress the balance. Medaille is a clear case for economic theory and refreshingPractice known as distributism. Unlike many of his colleagues who hold distributists especially in moral terms, there is the Médaille economic debate in purely economic terms. Towards a truly free market is exactly like the end of rescue operations, reduce government budgets, reform the tax code, fix health care, and more. About the Author John C. Medaille is the author of the action of society: social justice in the market and professor at the University of Dallas. Hewrites and lectures ...



http://www.youtube.com/watch?v=X1PtStipIsc&hl=en

SHAME ON YOU: Rep. Speier To You Mr. Sullivan,. Chairman Waxman's Eric R. Dinallo, Superintendent, NY State Insurance Dept, Lynn E. Turner, arch accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, CEO, AIG

Obaid Karki An Outcast Underdog Libertarian Diogenesist Kabbalist Spinoziste Qutbist Pantheon Hexalingual Automath Former UAE Under Secretary Independent Street-Knowledge Urban Talking-head. Unaffiliated to a State, an Organized Religion Group, a Sect or a Kin and an Anti Tribal Gentile. Every phrase is an earnest verdict. Thats my bio. If you dont agree with me thats an honor. It is immoral to appease to please. My word hurts big time because it is quality of a moment of truth US Conspiracism is a Grassroot Religion alas belief masterminded by the Establishment to Worthy the Worthless. This in-thing is sold as Partisanship to the Unemployables for free. Its the Disneyfication of the Mass to glorify a Legacy of Ghosts as Rothchild, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced to such task simply because they are assigned to edutain the Untalentable Aristocrat Urban Parasites. AIG American International Group, Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 ( 9.30%) 7 Oct 4:00pm ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90285327 Avg Vol: 218654000 Mkt Cap: 9.44B Disclaimer After Hours: 3.54 +0.03 (0.85%) 7 Oct 7:59pm ET Crisis strengthens Manulife's hand in AIG bid Manulife and other insurers are expected to bid for AIG divisions as early as this week, they said. The American insurance giant is under pressure to sell Former AIG Executives Get Harsh Criticism ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

SHAME ON YOU: Rep. Speier To You Mr. Sullivan,. Chairman Waxman's Eric R. Dinallo, Superintendent, NY State Insurance Dept, Lynn E. Turner, arch accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, CEO, AIG

Obaid Karki An Outcast Underdog Libertarian Diogenesist Kabbalist Spinoziste Qutbist Pantheon Hexalingual Automath Former UAE Under Secretary Independent Street-Knowledge Urban Talking-head. Unaffiliated to a State, an Organized Religion Group, a Sect or a Kin and an Anti Tribal Gentile. Every phrase is an earnest verdict. Thats my bio. If you dont agree with me thats an honor. It is immoral to appease to please. My word hurts big time because it is quality of a moment of truth US Conspiracism is a Grassroot Religion alas belief masterminded by the Establishment to Worthy the Worthless. This in-thing is sold as Partisanship to the Unemployables for free. Its the Disneyfication of the Mass to glorify a Legacy of Ghosts as Rothchild, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced to such task simply because they are assigned to edutain the Untalentable Aristocrat Urban Parasites. AIG American International Group, Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 ( 9.30%) 7 Oct 4:00pm ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90285327 Avg Vol: 218654000 Mkt Cap: 9.44B Disclaimer After Hours: 3.54 +0.03 (0.85%) 7 Oct 7:59pm ET Crisis strengthens Manulife's hand in AIG bid Manulife and other insurers are expected to bid for AIG divisions as early as this week, they said. The American insurance giant is under pressure to sell Former AIG Executives Get Harsh Criticism ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

SHAME ON YOU: Rep. Speier To You Mr. Sullivan,. Chairman Waxman's Eric R. Dinallo, Superintendent, NY State Insurance Dept, Lynn E. Turner, arch accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, CEO, AIG

Obaid Karki An Outcast Underdog Libertarian Diogenesist Kabbalist Spinoziste Qutbist Pantheon Hexalingual Automath Former UAE Under Secretary Independent Street-Knowledge Urban Talking-head. Unaffiliated to a State, an Organized Religion Group, a Sect or a Kin and an Anti Tribal Gentile. Every phrase is an earnest verdict. Thats my bio. If you dont agree with me thats an honor. It is immoral to appease to please. My word hurts big time because it is quality of a moment of truth US Conspiracism is a Grassroot Religion alas belief masterminded by the Establishment to Worthy the Worthless. This in-thing is sold as Partisanship to the Unemployables for free. Its the Disneyfication of the Mass to glorify a Legacy of Ghosts as Rothchild, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced to such task simply because they are assigned to edutain the Untalentable Aristocrat Urban Parasites. AIG American International Group, Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 ( 9.30%) 7 Oct 4:00pm ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90285327 Avg Vol: 218654000 Mkt Cap: 9.44B Disclaimer After Hours: 3.54 +0.03 (0.85%) 7 Oct 7:59pm ET Crisis strengthens Manulife's hand in AIG bid Manulife and other insurers are expected to bid for AIG divisions as early as this week, they said. The American insurance giant is under pressure to sell Former AIG Executives Get Harsh Criticism ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en