Underpayment of claims is, sadly, a very common practice. One of the typical methods of underpayment is the purchase of policy benefits by the insurance company. The company will run...
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If your disability insurance claim has been unfairly denied, your insurance carrier may be responsible for paying not only your long term disability insurance benefits, but also for compensating you…
The term long term disability (LTD) insurance “buyout” in Total Disability cases is where the insurance company is paying on the basis of the Total Disability claim. An LTD buyout...
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Many long term disability insurance policies contain set-off provisions for Social Security benefits. These provisions, when valid, provide that the insured notify the insurance company of any payments being received…
Many long term disability insurance policies contain provisions regarding both Total and Residual (Partial) Disability benefits. Typically, the policies define Total Disability as the inability to perform the substantial and...
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Own Occupation Disability Insurance pays benefits if the claimant is not able to perform the usual or customary duties of his or her own occupation. Nevertheless, many insurers attempt to...
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Because Own Occupation Disability Insurance can be confusing and contradictory and because most claimants and many lawyers are unfamiliar with this coverage there is considerable misinformation and misunderstanding about these...
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Whether you’re applying for Long Term Disability benefits or your claim has been denied, contact us. We can help, nationwide. The application process for long-term disability is unnecessarily complicated. And...
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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...
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And How and When Not to… Knowing “when” to seek legal counsel from a disability attorney is one of the first questions we receive from insurance policyholders who have become...
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