Long-term disability (LTD) insurance provides beneficiaries with a portion of their income if they become ill or injured and cannot work for extended periods (usually more than 90 days). To receive disability benefits, policyholders must file a timely proof of loss and disability claim that insurers approve. Often, disability claims are wrongfully delayed or denied, […]

Fish stories. Prominent fishing guide and angler Billy Swan is facing serious allegations of being less than forthcoming when it comes to his on-the-water exploits. A federal grand jury charged him with wire fraud, mail fraud for allegedly filing false documents with the Social Security Administration (SSA), Social Security fraud, and perjury for allegedly lying […]

Every year, the U.S. Bureau of Labor Statistics collects data on persons with disabilities from the Current Population Survey (CPS). The information comes from a monthly sample of approximately 60,000 households in the United States. Breakdowns are based on gender and age, along with employment status. Their annual study for 2016 revealed that if disabled […]

Legal disputes sometimes arise from dissatisfied customers of large, high-profile insurance companies. For example, Blue Cross Blue Shield of Michigan recently experienced a number of unhappy clients who pursued legal recourse. Over the past week, the business additionally faced another round of lawsuits with accusations of violating the Employee Retirement Income Service Act (ERISA). A […]

In 2015, more than 10 million Americans between the ages 18 to 64 received a combined $11.4 billion in monthly disability benefits. While the average check amounts are similar, state-to-state numbers of participants vary significantly, ranging from 8 percent in West Virginia to 2.8 percent in Hawaii. Nearly 8.9 million out of the 10.2 million […]

n 1994, the U.S. Congress passed legislation that provided a “presumption” to Gulf War veterans suffering from undiagnosed illnesses. Once the bill was approved, the afflicted individuals did not have to prove to the Veterans Administration (VA) that their medical issues were a result of military service. Twenty-three years later, the “gray areas” are creating […]

We all need insurance. It’s a basic necessity to protect us from accidents and unforeseen tragedy. Unfortunately, many insurance companies are experts at denying claims. In the event that you submit a claim, your insurance company may try to misconstrue your injuries, medical records, and even the events leading up to the moment you filed […]

We recently discussed how payment by check is a method not going away anytime soon despite technological advances. Though no longer the only payment format, checks are still preferred by many business owners – from landlords to utility companies. As people write fewer checks in this high-tech age, consumers are more prone to costly drafting […]

There are certain items on our to-do list that just never seem to get done. While some tasks involve physical labor or a significant time allotment, others duties don’t fall into the arduous categories. For example, “estate planning” or “disability insurance purchase” may have been on your to-do list for a long time. Many people are reluctant to […]