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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...]

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 … [Read more...]

Own Occupancy Insurance Policies

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 … [Read more...]

Long Term Disability Benefits – Leaving Money on the Table

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 … [Read more...]

Understanding Punitive Damages in Long Term Disability Cases

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 future behavior or to cause other actors who may be behaving similarly to stop. So even though it is not a court’s objective to … [Read more...]

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