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...
Read More
In Kuntz v Aetna, 2013, the Federal Court found that for Aetna abused its discretion in having based its disability claim denial in a mental health impairment case on a…
So what do you really think. Ray Bourhis? If an insurance company defrauds or cheats a policyholder out of the benefits the policyholder is owed, and if, as a result,...
Read More
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
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
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...
Read More
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...
Read More
