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...
In recent decades, the importance and impact of mental health issues has become much more widely recognized. Medical communities, psychology and psychiatry, workplaces and other communities have taken a much more empathetic and appropriate approach to questions of...
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...
Do you know what your employer-provided long-term disability insurance policy says about self-reported symptoms? Some policies carve out exceptions for symptoms that only the patient can detect. In other words, if objective medical tests such as MRIs or CAT scans...
Anyone who has had to file a claim for long term disability benefits knows how difficult and demanding the application process can be. The application process requires extensive medical and some financial details that are not easy to gather, and the process requires...
Most people know what it feels like to be tired. Lack of sleep, a busy week or two, and excessive stress are common experiences that make tiredness almost universal in our country. However, this common experience of being tired is not even close to the magnitude...
