Category: Disabling Conditions

A common thread among individual and group disability insurance policies, particularly for private insurers, is the explicit or implicit requirement of physicality for disability claim approvals. Sometimes, this requirement is made explicit by the policy’s language, which may categorically exclude mental disorders and conditions. Other times, this need to list a physical illness or injury […]

Emergency room technicians, or ER Techs, are regularly pushed to the limit at hospitals and health care facilities. Also known as patient care technicians or nursing assistants, their primary responsibilities involve supporting nurses and other professionals with the heavy lifting, carrying, bending and stooping. Their duties also come with a high risk of injury and […]

Google and the Internet are making it easier for healthcare consumers to access virtual medical options, which is crucial at a time when shelter in place orders are keeping hundreds of millions of people indoors. Searches and maps have been made available by Google which is also working to help doctors get up to speed […]

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 […]

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 […]

Migraine headaches can be a real problem for many Americans, and these painful headaches can become so unbearable that sufferers are unable to reliably work. Despite their incapacitating limitations, headache disability claims are often fraught with claim hurdles. Here are some facts and tips to consider before filing an individual or group long-term disability insurance […]

A disability insurance policy financially protects the policyholder by making wage replacement payments, usually at the level of two-thirds of earnings, if the person cannot work because of disability. Many disability policies have a pre-existing condition clause, which excludes coverage if the insured has been seen for a medical condition during a determined timeframe called […]

Did you know that nervous systems disorders like Parkinson’s disease are a leading cause of long-term disability claims? Approximately 60,000 Americans are diagnosed with Parkinson’s disease each year, and this estimation does not include the thousands of cases that go undetected. Over time, this disease is known to make daily living – and working – […]