For many people, employer-provided long-term disability insurance offers a sense of peace of mind and financial security. What happens when you rely on an employer to provide group long-term disability benefits and your employer stops paying your group long-term disability insurance premium? Typically, if you miss an insurance premium payment, you’re charged a late fee […]

In one capacity or another, we all have insurance. Whether it’s car insurance, health insurance, homeowner’s insurance, or disability insurance, it’s there for the “just in cases” of life. Most of us insurance policyholders are honest, hardworking Americans. However, under the guise of defending against insurance fraud—but really to just save money—your individual or group […]

It’s difficult to discuss the possibility of a young, aspiring athlete losing a professional athletic career before it begins. Whether due to injury or illness, career-ending disabilities can and do happen to top-level Division I athletes, making it a very timely and necessary topic of discussion. With the right type of career-ending disability insurance, Division […]

Helping Those Suffering from Lyme Disease Get the Disability Benefits They Deserve With the arrival of summer, most of the nation knows it’s time to break out the bug spray. Lyme disease has become a serious medical concern around the country with devastating long term problems. It’s even reported that disease-carrying ticks are appearing in […]

Individual or group long-term disability (LTD) insurance is designed to protect a portion of your income, as defined in your policy, if you suffer an injury or illness that leaves you unable to work. If you are self-employed or an independent contractor, you may have an individual long-term disability policy that you purchased from an […]

What Does This Mean for Your Valid Group Disability Claim? Competition between private businesses theoretically drives better services as companies vie for your business. Aetna and The Hartford were two such corporations. They specialize in insurance, including long-term disability insurance, and were major competitors in the industry. In late 2017, The Hartford bought Aetna’s group […]

Helping Our Clients With Heart Disease and Claim Issues Heart failure, whether due to coronary artery disease, mitral valve prolapse, or a congenital heart defect, may leave your heart weaker than before. A heart attack typically blocks the heart’s blood supply, resulting in heart damage. The longer a heart attack blocks your heart’s blood supply, […]

Disability Insurance Fraud: Prevention and Penalties Disability insurance fraud is a serious offense that affects government and private sector insurance programs. The Social Security Administration (SSA) program, worker’s compensation, and private disability insurers face the ever-present risk of fraudulent individuals obtaining benefits through deceit. Generally, most fraudulent activities are intentional, such as providing false information […]

Helping Claimants Recognize Disability Insurers’ Tricks Can you guess what the most common disabling condition in the United States is? That’s right, musculoskeletal disabilities, including arthritis, back pain, and spinal degeneration. Almost 40 percent of the population suffers from some type of musculoskeletal injury. While these injuries don’t always disable the people they strike, they […]