Tag: filing a claim

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 […]

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 […]

If you file a claim for disability insurance benefits, your insurance company will likely ask for copies of your state and federal tax returns. Can they really do that? In the latest installment of our Disability FAQ video series, we explain what personal information your insurance company is legally entitled to, what they intend to […]

If you’re filing a disability insurance claim, your insurance company will want to speak to your treating doctor about your condition. In the latest video of our Disability FAQ series, we explain the kind of health information you need to provide to your doctor before they speak to the insurer about your disability claim.

Knowing when to file your disability claim can be tricky. In the latest video of our Disability FAQ series, we explain how uncertainty about whether you qualify for disability can create delays and make it difficult to collect benefits.

Although the courts have accepted fibromyalgia as a medically disabling condition, it can be challenging to collect disability insurance benefits for the disorder. Here is how you can support your disability insurance claim for a fibromyalgia diagnosis. Why insurance companies challenge fibromyalgia claims Fibromyalgia is a chronic disorder symptomized by widespread musculoskeletal pain, fatigue, sleep […]

If you’re filing a disability insurance claim, your insurance company will probably ask you to submit to a functional capacity evaluation. In this video, we explain what to expect during this evaluation and how it may affect your claim.

  Did you know that an estimated 400,000 Americans have multiple sclerosis, and 200 new cases are diagnosed each week? Multiple sclerosis, often referred to as MS, is a chronic disease that attacks the central nervous system. There are several types of MS, including: relapsing-remitting multiple sclerosis (RRMS) primary-progressive MS secondary-progressive MS progressive-relapsing MS The […]

It doesn’t matter if you purchase disability insurance or receive coverage through an employer, you hope that filing a claim, if the time comes, will be a fast and efficient process. After all, you need to receive compensation while you are out of work to ensure that you can make ends meet. Unfortunately, bad faith […]

Disability insurance is a proactive step that many employees choose—or may have provided by their employers—to protect their incomes in the event of debilitating injuries or illnesses. If an injury or illness impairs an employee’s ability to work for any length of time, disability insurance should kick in to provide a portion of the claimant’s […]