Partial Long-Term Disability Benefits: hard to define in California

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 formula and very soon after the claim is filed the formula starts to disintegrate and someone may wind up in a situation where, over time, …

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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 has a specific professional occupation that they are working in who develops a …

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Business Owners, CEOs, Financial Officers and Other Professionals Holding Own Occupation Long Term Disability Insurance in California

Business owners, manager, and executives that find themselves unable to work are often faced with an exceptional burden of proving their disability.  Unlike other professions, managerial positions require performance of a wide-range of duties as well as the responsibility to manage staff, interact with clients, and maintain production levels.  When a disabling physical illness or …

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California System Administrators, Internet Technology and Data Analysts

Technology continues to evolve disability insurance claims for computer and data professionals.  From migraine headaches to carpal tunnel syndrome, a wide range of injuries qualify for Long Term Disability insurance benefits under private insurance policies.  Technology professionals who have Own Occupation insurance policies are often challenged by insurance companies about their ability to perform some, …

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