Irritable bowel syndrome (IBS) is a challenging and potentially embarrassing ailment for many sufferers. What’s worse, IBS can be debilitating, making it virtually impossible to stay at a desk or a job site for any length of time. For sufferers of serious IBS, it is...
If you are like most people applying for benefits from an employer-provided insurance carrier, you might have experienced a denial of your claim. These claims are quite significant for the policyholders, making the frequency of denials quite alarming. You obtained...
Anyone who has multiple sclerosis (MS) or knows anyone who has, knows how tragic and debilitating the illness can be. Although MS is a well-documented degenerative disease that causes loss of motion control and renders people almost completely helpless physically over...
Many people whose accidental death and dismemberment (AD&D) have been denied feel that they are out of options. You filed for your benefits, the petition was denied, and the insurance company has all the power and resources, so it seems that there is nothing you...
Although life insurance is an important benefit for many people, it is not always easy to receive the benefits you expect from the insurance company. In fact, many claims are denied for a variety of reasons. Understanding some of the common causes for life insurance...
If you are seeking long-term disability (LTD) benefits from an employer-provided plan, you may encounter the terms "own occupation" and "any occupation" in the course of your legal efforts. The meaning of these terms and the specific language in your plan could...
Anyone who has ever read an insurance policy knows how complicated these documents can be. In fact, they seem to be made to mislead and confuse the policyholder. Perhaps nowhere is this confusion more prevalent than in life insurance policies, which have seemingly...
Obtaining long-term disability benefits from employer-provided insurance policies is rarely easy. Except for cases involving the most obvious, easily proven disabilities, obtaining long term disability benefits presents profound challenges (and even those cases can be...
Facing a disability that prevents or limits your ability to work can be challenging and stressful. In addition to adapting to life with a disability, you also need to make ends meet. When you receive a denial on your long-term disability claim, it can threaten your...
[updated 2/16/2022] A career-ending long-term disability (LTD) can be among the most devastating events in life. It doesn’t help when you’re denied the disability insurance payments you are owed. You, like most people, may like to share your life online. Social...
