Category: Disability Insurance

Individual and group disability policies are complex legal documents. Unfortunately, most employers and employees do not take the time to read them, leaving uncertainty and frustration when it comes to claiming time. You took the time to choose a disability policy that would most benefit you or your employees. You wanted to ensure that if […]

During these tumultuous times when so many people suffer, volunteering can help those in need while also giving those who volunteer a sense of purpose and connection to their communities. As a society, we should all encourage and celebrate volunteerism. People with disabilities are also well-equipped in some circumstances to volunteer in different roles. Unfortunately, […]

If you suffer a disabling sickness or injury that prevents you from working, you may have the right to receive disability insurance benefits to help you cover your needs and expenses while not receiving a paycheck. People often ask, does receiving disability payments mean you have to stay home, doing nothing until you heal enough […]

Being injured or so severely sick that you miss work is a painful experience. Ensuing disability increases your worry and frustration about how soon you will get better and how you will cover your expenses without a regular paycheck. That is why many people carry both short and long-term disability insurance. They are told and […]

Ensuring the Fair Adjudication of Your Long-Term Disability Claims Whether you’re eligible for individual or group long-term disability benefits depends on whether a disabling illness or injury prevents you from performing the material and substantial duties of your occupation. Many individual and group long-term disability insurers wrongfully delay, deny, or terminate long-term disability payments, claiming […]

If you suffer a disabling injury or illness that requires treatment and appropriate medical care for a short period of time (typically 12 months or less), short-term disability (STD) insurance benefits can provide you with income replacement. Your short-term disability  income replacement benefits are based on your monthly income, along with a predetermined percentage of […]

Collecting long-term disability insurance benefits presents challenges you may not have expected. Many assume that their disability benefits provider will pay out when you have a documented disease. Unfortunately, many also find out that the insurance company holding their individual or group disability policy does not want to pay out benefits when the policyholder needs […]

Collecting long-term disability insurance benefits presents challenges you may not have expected. Many assume that their disability benefits provider will pay out when you have a documented disease. Unfortunately, many also find out that the insurance company holding their individual or group disability policy does not want to pay out benefits when the policyholder needs […]

Countless workers have experienced the frustration of submitting a claim for short-term or long-term disability benefits through their employer-sponsored disability insurance plan, only to have their legitimate claims denied. Group disability insurance is supposed to be there when injured or sick workers need it most. Being told “no” by an insurance company feels like a […]

Workers who have applied for group long-term disability benefits under an employer-sponsored insurance plan do not have to take no for an answer. They have important legal rights including filing a timely, comprehensive administrative appeal with their insurer after a bad-faith claim denial, and after that, a federal ERISA lawsuit to collect their disability benefits. […]