Tag: disability claims

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 […]

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 […]

Anyone eligible to receive long-term disability insurance under an employer-sponsored plan or private insurance should know about “offsets,” the reductions in your benefits that can happen if you get other sources of income. Offsets are provisions in the policy that give your insurer broad permission to deduct other benefits that you are eligible to receive […]

Getting disability insurance is important in any profession. If you are unable to do your job due to a disabling illness or injury, or in some cases any type of work at all, the language in your insurance policy can mean everything. You need a way to carry on and maintain the lifestyle you have […]

Long-term disability (LTD) insurance is designed to provide policyholders with a portion of their monthly income for a predetermined amount of time if they become disabled and cannot work due to a covered illness or injury. An insurer’s definition of disabled, however, may not comport with common-use, dictionary definitions. Also, some disability insurance policies may […]

We recently explored five common causes of disability claims in honor of Disability Insurance Awareness Month. As we discussed in part one of this series, many Americans have misconceptions about what legally qualifies as a disabling sickness or illness. The Council for Disability Awareness reports that one in three women and one in four men […]

When you think of a disability, what comes to mind? Many Americans have misconceptions about what restrictions and limitations constitute a disability. In addition, there is often confusion regarding what legally qualifies as a disabling sickness or illness. According to the Council for Disability Awareness, one in three women and one in four men will […]

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February is American Heart Month, so you’ve probably seen lots of news about identification and prevention of heart conditions. But what happens if you’ve already had a heart attack?

Many people wonder if they can receive disability benefits for the aftereffects of a heart attack. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness to address the common myths and facts about filing for disability benefits due to a heart attack.

The process of filing a long-term disability insurance claim can be tricky. While every claim provides its own unique challenges, many of these issues arise when claimants make seemingly small mistakes during the claim filing process. Here is a list of dos and don’ts that may help you bulletproof your long-term disability insurance claim. When […]

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Veterans Day is meant to honor and thank those who served in the United States Armed Forces. Unfortunately, respect for veterans does not always extend to them when they need it most.