CMC Employees and Group Disability Benefit Requirements CMC is insured by Lincoln Life Assurance Company of Boston, formerly known as Liberty Life Assurance Company of Boston. CMC’s long term disability policy with Lincoln requires a 365-day elimination period prior...
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...
A recent public radio piece conveys this flatly astounding statistic: Reportedly, about 25 percent of all American adults deal with some form of disability in their daily lives. A bit of extrapolation might help put that figure into immediately meaningful perspective....
Sleep apnea is a medical condition that an employer or insurance provider often seeks to downplay. There are even some naysayers who regard sleep apnea symptoms as being simply irritating rather than debilitating. The truth conveys something else altogether. What is...
Long-term disability insurance is a lifeline everyone hopes they never have to claim. The reality is, many of us will need the safety net. That’s because about one in every four of today’s 20-year-olds are expected to become disabled before reaching retirement age. We...
Numbness. Burning. Tingling. A loss of sensation. Acute skin sensitivity. Many people experiencing those and additional symptoms know that they are experiencing a type of material body disorder. Despite that knowledge, though, they often lack the specific information...
Most people experience anxiety at some point during their lives. Stressors like divorce, financial strain or even an important work presentation can all trigger temporary anxiety. When it becomes a chronic condition, however, it can have a big impact on your...
If insurers can save a few bucks, “they’re gonna do it.” That is a bottom-line assertion that emerges from a recent discussion on the progressive talk radio program Ring of Fire. The subject matter emphasized by show commentators spotlighted the common practice of...
Legions of people across the country know that it can be challenging to prevail on a long-term disability claim even when debilitating symptoms are well documented and widely recognized within the medical community. Take something like a cancer diagnosis, for example,...
We expect to see two types of COVID-19 Coronavirus disability type disputed claims. First, we expect to see disability insurers disputing or denying claims of insureds who are disabled not because they have COVID-19 Coronavirus, but because they are afraid they will...
