Often, at some point over the years, a policyholder misplaces, loses, or damages his copy of his insurance policy. Hypothetically, it should be easy to call up the insurer to...
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Before corresponding with your insurance company, become familiar with the terminology, limitations and exclusions used in your policy, read your entire policy carefully, and follow these guidelines to avoid making...
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What you do and say can make a huge difference in the outcome of your claims settlement. Be sure to read this guide before making that first call! The insurance...
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If you have had to modify your work schedule or have been out of work as a result of an illness or injury, you can suddenly find yourself dipping into...
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The evaluation and purchase of long term disability insurance is more complex than most insurance companies and agents will tell you. Policy language can be confusing and contradictory and the...
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Insurance companies go out of the way to advertise how fast, neighborly, generous, kind, understanding, patient and friendly they are. This is certainly true when they are trying to sell...
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So You Thought You Had Disability Insurance About Long Term Disability Insurance: Insurance companies are corporations, and corporations exist to turn a profit. In the 1980s, when interest rates were…
Over the years we have seen every conceivable problem that can arise with a long-term disability claim. The most common issues raised by insurers include questions regarding the medical diagnosis…
ABCDEFGHIJKLMNOPQ Accidental Death & Dismemberment (AD&D) Benefit – An optional benefit that provides a fixed lump sum for accidental death or for certain specified actual loss or loss of use of...
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