THE RISK OF UNDER SETTLING YOUR CLAIM By Alexander MacDougall, Attorney with Bourhis Law Group The good news: you’ve been awarded Long Term Disability benefits by your insurance company and now they want to buy out your policy. The bad news: the figure the insurance company is offering you as a buyout is likely thousands …
Long Term Disability Benefits – Leaving Money on the Table Read More »
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 of disability with an Own Occupation policy is you’re unable to perform your substantial and material duties in a usual and customary manner with reasonable …
Who should I talk to if I think I have a problem? Well, often a policy holder when he/she notices that things are changing and that he/she may have to make an insurance claim contacts the insurance agent that sold them the policy in the first place. While that can be good, it can also …
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, …
Partial Long-Term Disability Benefits: hard to define in California Read More »
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 …
Beware of the “Partial” Long-Term Disability Claim Read More »
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 treating physician. …
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 the car? If you can carry groceries you can …
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 the car? If you can carry groceries you can …
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 …
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, …
California System Administrators, Internet Technology and Data Analysts Read More »
