You have likely noticed, if you watch television. the current non-stop streaming of commercials focused on year-end insurance benefits. Millions of Americans pay attention to those ads, especially if they relate to coverage of various matters not tied to...
Current health pandemic puts a spotlight on LTD policies, protections
“For those that get very sick,” stresses an in-depth article on Covid-19 and its often disabling (when not deadly) impact on victims, “two weeks of paid sick leave is not enough.” In fact, underscores the national publication Business Journals, that amount of...
Osteoarthritis: No, it’s not a benign condition
Do you have problems bending over or reaching down to retrieve an object or tie your shoes these days? Is it a chore – candidly, a serious challenge – to do things like comb your hair, brush your teeth, turn your neck while driving, play with the dog or engage in many...
Stroke: a long-term disability sometimes challenged by long term disability insurers
It can happen in a flash. One minute you feel perfectly fine, but within seconds your world is upended in a way you never experienced before. You might find that simply catching a breath is difficult. Your vision might suddenly become blurred. Balance might be...
Did your employer’s insurer deny your long-term disability benefits claim?
When a physical or mental condition leaves you unable to work, you would expect to receive long-term disability benefits under your employer’s insurance policy. However, the denial of valid claims occurs all of the time. The good news is an initial denial is not the...
Here’s why life insurance claimants often need strong legal advocacy
Life insurance policyholders sometimes have mixed emotions when they think about the financial safeguards they have put into place for loved ones. On the one hand, contemplating those protections promotes a feeling of security and empowerment regarding the future. On...
How to stay healthy when dealing with a long term disability claim
Going through the process of obtaining long term disability benefits, can be a very stressful time. If you were denied, are in a wait state after submitting an application or during an appeal it can be hard on your mental health and spirit. You can experience...
Benefits of symptom documentation for your long term disability claim
The long term disability claim process can be long and complicated, especially with a medical condition that builds over time, such as carpal tunnel syndrome or arthritis. There will likely be questions from the insurer about when symptoms started and how severe they...
ERISA LTD coverage: an invaluable safety net
A recent Forbes article candidly addresses the ongoing health pandemic and its unprecedented impact on individuals and families across the United States and globally. It duly notes that “if this year has taught us anything, it is that we are more vulnerable than we...
Is LTD claim denial a common occurrence?
Insurance companies can be a mixed blessing. In fact, legions of claimants across the country view them as akin to a double-edged sword. Here’s why: Sometimes they perform, and sometimes they intentionally respond to claims designed to delay or deny the claim...