Drug or alcohol addiction or abuse is clearly a disabling condition qualifying for long term disability benefits. If a claimant with a drug or alcohol addiction goes through a…
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While every Long-Term Disability (LTD) policy includes a definition of total disability, many states (including California, Arizona, and Florida) have their own legal definition of total disability. What happens when…
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Warning: Financial Planners Important Information for Financial Planners : Long Term Disability from Ray Bourhis on Vimeo. Premiums with LTD policies are usually fixed for the life of the policy. Once a claim…
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By Ray Bourhis and Alexander MacDougall The issue of determining the present value (PV) of insurance policy benefits can be as complicated as it is important. Issues that come into…
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Punitive damages are damages that can be awarded in a law suit with the intention of punishing a party for acting improperly as a means to either reform that party’s…
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By Ray Bourhis and Alex MacDougall When you first learn that you have a disability that will interfere with your employment, you have an important decision to make regarding the…
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THE RISK OF UNDER SETTLING YOUR CLAIM By Alexander MacDougall, Attorney with Bourhis Law Group, PC The good news: you’ve been awarded Long Term Disability benefits by your insurance company…
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Own Occupancy Insurance is a policy that is sold that covers someone if he or she is unable to perform his/her normal duties in his/her own occupation. The technical definition…
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For surgeons and other physicians, partial long-term disability benefits may seem like a good solution but the way the benefits are determined is flawed. Partial benefits are based on a…
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Disabilities and the people who suffer them come in all shapes and sizes. Typical occupations of people we represent would include surgeons, anesthesiologists, all of the medical sub specialties, micro…
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