Category: Blog

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, […]

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 […]

Loss of Value (LOV) insurance is a little-known type of disability insurance designed to protect the future of elite, first-, second- or third-round draft picks. LOV specifically covers a student-athlete’s anticipated rookie contract value. Universities can arrange for the player or his family to purchase LOV insurance policies, which may kick in to supplement that […]

We Help Disability Claimants Suffering From Traumatic Brain Injuries As the school year approaches, children are preparing for fall sports. For years, football was a staple of late summer fun. Whether it was varsity training camp or flag football, many kids have played football since elementary school. Rob Kelly was one such kid. This former […]

Not every attorney is equipped to effectively litigate individual or group disability insurance cases. In fact, some attorneys shouldn’t practice law at all. Case in point: the ongoing investigation in Kentucky involving an attorney who made millions by bribing doctors and judges to approve and/or support his clients disability claims. According to news reports, a […]

The Employee Retirement Income Security Act of 1974 (ERISA) created an administrative appeal that people with group or employer-sponsored disability insurance policies generally had to exhaust before taking their valid claims to federal court. The administrative appeal was designed to give group or employer-sponsored disability insurers a second chance to review a bad-faith denial, thus […]

The National Institute on Drug Abuse reports that almost two-million Americans suffer from an opioid-related disorder. In fact, 25 percent of patients with legally prescribed opioid pain medications may misuse them, and about 10 percent of those patients develop addictions. Many opioid users don’t know that these medications do more than relieve pain. Opioids such […]

Do you ever wonder how insurance companies make money? After all, the average cost of a long-term individual disability policy is only about $500 per year. However, if you qualify for individual or group long-term disability benefits, you might receive about 60 percent of your monthly income during your long-term disability eligibility period. The average […]