Medical practitioners in the State of California are deemed totally disabled under the Any Occupation standard if he or she cannot perform the material duties of any occupation consistent with his education, training and/or experience. This means if you are a dentist and are able to perform routine examinations, but unable to perform more complicated …
Help for Disabled Doctors, Dentists and Healthcare Professionals Read More »
Are you a California Long Term Disability insurance claimant suffering from disabling conditions that affect the performance of your work duties? Although California law prohibits insurers from underpaying or under-settling Long Term Disability insurance claims unfairly, many claimants are denied, underpaid, or determined “partially-disabled,” resulting in losses and damages beyond the policy benefits. Bourhis Law …
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 companies more than $80 million each year. Whether …
Surveillance Practices in Long Term Disability Cases Read More »
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 rather than monthly checks. This procedure requires calculating the …
Happy New Year! We hope you had a wonderful and safe holiday season. One of our New Year’s Resolutions this year was to launch a super user-friendly website. I’d say we’re already off to a really good start! Here’s what’s new:• We made it easier for our visitors to find resources• Reduced the animation to …
What is the worst football injury you ever saw? Rashad Johnson, free safety for the Arizona Cardinals, severed his finger in a 2013 game against the Minnesota Vikings. Then, of course, there are concussions, torn ACLs, fractured vertebrae, the list goes on. For professional athletes, sports injuries are more than a health scare. Your livelihood …
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 outcome is, of course, uncertain. Some predict that in a …
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 its own. 2. That it …
What Forbes Missed on Coronavirus and People with Disabilities Read More »
Business owner closes shop because of the Covid-19 closures and social distancing measures. The coronavirus pandemic has forced American businesses to a skidding halt. With nationwide quarantines and closures, COVID-19 has jeopardized the very existence of many businesses. In California, Governor Gavin Newsom has implemented aggressive social distancing measures, including a “Stay-at- Home” order, which …
Covid-19 Business Interruption Insurance Coverage Announcement Read More »
1. Once you have received your denial or termination of benefits letter from your carrier you should not speak at length with your claims representative or argue with them, immediately ask for your “claims file” and your full policy if you do not already have it on hand. Ask that your appeal deadline …
