Insurance companies go out of the way to advertise how fast, neighborly, generous, kind, understanding, patient and friendly they are. This is certainly true when they are trying to sell…
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So You Thought You Had Disability Insurance About Long Term Disability Insurance: Insurance companies are corporations, and corporations exist to turn a profit. In the 1980s, when interest rates were…
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Over the years we have seen every conceivable problem that can arise with a long-term disability claim. The most common issues raised by insurers include questions regarding the medical diagnosis…
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Accidental Death & Dismemberment (AD&D) Benefit – An optional benefit that provides a fixed lump sum for accidental death or for certain specified actual loss or loss of use of a…
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If your disability insurance claim has been unfairly denied, your insurance carrier may be responsible for paying not only your long term disability insurance benefits, but also for compensating you…
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The term long term disability (LTD) insurance “buyout” in Total Disability cases is where the insurance company is paying on the basis of the Total Disability claim. An LTD buyout…
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Many long term disability insurance policies contain set-off provisions for Social Security benefits. These provisions, when valid, provide that the insured notify the insurance company of any payments being received…
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Many long term disability insurance policies contain provisions regarding both Total and Residual (Partial) Disability benefits. Typically, the policies define Total Disability as the inability to perform the substantial and…
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Own Occupation Disability Insurance pays benefits if the claimant is not able to perform the usual or customary duties of his or her own occupation. Nevertheless, many insurers attempt to…
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Because Own Occupation Disability Insurance can be confusing and contradictory and because most claimants and many lawyers are unfamiliar with this coverage there is considerable misinformation and misunderstanding about these…
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