Melbay Records

Most accidents are minor and there is little or no personal injury to the victims. However, when some accidents occur, they usually result in disability. The disability could be temporary and in some instance, it could be permanent. The fact that accidents are unpredictable and the fact that no one can predict which accident will…

Most employers offer their employees a number of different insurance benefits. One of the most popular types of insurance plans that companies will offer is long term disability or short term disability insurance. These plans are designed to help you and your family out financially should you be unable to work because of a medical issue…