Drug or alcohol addiction or abuse is clearly a disabling condition qualifying for long term disability benefits. If a claimant with a drug or alcohol addiction goes through a...
Read More
While every Long-Term Disability (LTD) policy includes a definition of total disability, many states (including California, Arizona, and Florida) have their own legal definition of total disability. What happens when...
Read More
Warning: Financial Planners Important Information for Financial Planners : Long Term Disability from Ray Bourhis on Vimeo. Premiums with LTD policies are usually fixed for the life of the policy. Once a claim...
Read More
By Ray Bourhis and Alexander MacDougall The issue of determining the present value (PV) of insurance policy benefits can be as complicated as it is important. Issues that come into...
Read More
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…
By Ray Bourhis and Alex MacDougall When you first learn that you have a disability that will interfere with your employment, you have an important decision to make regarding the...
Read More
THE RISK OF UNDER SETTLING YOUR CLAIM By Alexander MacDougall, Attorney with Bourhis Law Group, PC The good news: you’ve been awarded Long Term Disability benefits by your insurance company...
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…
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...
Read More
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...
Read More