What you do and say can make a huge difference in the outcome of your claims settlement. Be sure to read this guide before making that first call! The insurance...
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If you have had to modify your work schedule or have been out of work as a result of an illness or injury, you can suddenly find yourself dipping into...
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The evaluation and purchase of long term disability insurance is more complex than most insurance companies and agents will tell you. Policy language can be confusing and contradictory and the...
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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…
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…
ABCDEFGHIJKLMNOPQ 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...
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Underpayment of claims is, sadly, a very common practice. One of the typical methods of underpayment is the purchase of policy benefits by the insurance company. The company will run...
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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…
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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