First responders, such as firefighters, nurses, and doctors often have Long Term Disability Insurance included with a benefit package through their employer. Although people usually think this is a nice benefit, it most likely has significant limitations. If your disability insurance is part … [Read more...]
Thinking of Selling Your Practice?
We have found through our experience, often Doctors and Dentists with health issues, work through those issues until at some point they feel they can no longer work with the pain. They work through the pain to keep their practice strong and valuable in order to sell the practice. There are a few … [Read more...]
What Forbes Missed on Coronavirus and People with Disabilities
There is a very good article that appeared in forbes.com entitled 5 Things to know about coronavirus and people with disabilities. The 5 points of this article are, 1. That people with a disability may experience a higher level of anxiety due to the Coronavirus and that the anxiety poses risks of … [Read more...]
Coronavirus (Covid-19) and Disability Insurance
Fears of the Corona Virus have sent global economies and stock markets into a tailspin. Many of those affected have responded by seeking medical testing and treatment. Others are avoiding the spread by “self-isolating.” A third category of individuals is being mandatorily quarantined. The ultimate … [Read more...]
Calculating the Long Term Disability Buyout
If your long-term disability insurance claim has been approved, you are receiving monthly benefits provided under the terms of your policy. Monthly disability benefits usually are provided either to age 65 or lifetime. Some claimants prefer to accelerate those payments and receive a lump sum buyout … [Read more...]
Surveillance Practices in Long Term Disability Cases
At Bourhis Law Group, we often receive calls from claimants scared that they are being watched and followed by their insurance companies. In truth, this is a very common practice in the insurance industry and it is, for the most part, completely legal. Insurance fraud costs insurance … [Read more...]
What? I’m being sued by my insurance company?
The broad question is what are the things you have to watch out for when you’re filing a claim and what should you do? Do insurance companies conduct surveillance? Yes. Do they run around with cameras trying to see if you can carry groceries from the grocery store to … [Read more...]
Underpayment Offers from Long-Term Disability Insurance Companies
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 calculations in order to be able to do offer that as a fairly speedy resolution to the disability claim.For example, … [Read more...]
Why Long-Term Disability Insurers Say “No”
A long list of reasons to say no……. There is, sadly, a long list of all of the reasons why insurance companies deny or underpay a claim. They don’t always simply say okay, we’re going to send you to an independent medical examination and our doctor is gonna conclude that he disagrees with your … [Read more...]
Beware of the “Partial” Long-Term Disability Claim
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 surgeons, lawyers, chiropractors, CEOs of companies, financial planners, CPAs, really anyone who … [Read more...]
