AUTHOR NAME

Aarti Mane

130 POSTS
0 COMMENTS
Aarti Mane is an insurance researcher and content editor at Insurance Guide Book. She specializes in researching health insurance, life insurance, Medicare, business insurance, auto insurance, and consumer protection topics in the United States, United Kingdom, and Canada. Her goal is to simplify complex insurance concepts and provide readers with accurate, practical, and easy-to-understand information. All articles are carefully researched using reputable industry sources, insurer publications, and official government resources when applicable. Aarti regularly reviews insurance trends, policy updates, and regulatory developments to help readers make informed insurance decisions.

Is Group Disability Enough? Why Your Employer’s Plan Might Leave a 40% Income Gap

The "60% Mirage" Most group long-term disability (LTD) plans in 2026 promise to replace 60% of your salary. However, for many, the actual check is...

Disability Insurance 101: A Guide for the 2026 American Workforce

Why Your Income is Your Biggest Asset Most Americans insure their cars and homes but leave their ability to earn a living—which could be worth...

Own-Occupation vs. Any-Occupation: The One Clause That Determines Your Payout

The "What You Do" vs. "What You Could Do" Standard The definition of "Disability" in your contract is the gatekeeper of your payout: Own-Occupation: You are...

The “Elimination Period” Explained: Why Your Waiting Period Matters More Than You Think

What exactly is an Elimination Period? The elimination period is the length of time between the start of your disability and the point at which...

Short-Term vs. Long-Term Disability: Which Does Your 2026 Financial Plan Need?

The Core Difference in 2026 The primary difference between the two is the duration of coverage and the elimination period (the waiting time before benefits...

Usage-Based Commercial Auto: How Telematics 2.0 Can Save Your Fleet 20%

The Death of the Fixed Premium Traditional commercial auto policies are based on static data—your industry, your zip code, and your past claims. In May...

EPLI in the Age of “Ghosting”: Why Your AI Hiring Tool is a Liability Magnet

The Rise of "Automated Ghosting" Claims In 2026, "ghosting"—the practice of ignoring job applicants—is no longer just a breach of etiquette; it’s a legal trigger....

Supply Chain Interruption: Why “Physical Damage” Isn’t Enough in 2026.

The "Physical Damage" Barrier For decades, the "Trigger" for a business interruption claim in the USA was Direct Physical Loss or Damage. In 2026, this...

The 2026 FAIR Act: Why “Technical Compliance” is No Longer Enough for Insurers

From "Deceptive" to "Abusive" For decades, New York law only penalized insurance companies if they were caught being "deceptive." As of May 2026, the FAIR...

Remote Work & Mental Health: The New Frontiers of Workers’ Comp in 2026

Section 1: The "Home Office" Liability Expansion In 2026, the boundary between "home" and "office" has officially disappeared in the eyes of many state courts....

Latest news