Author Archives: Shawn E. McDermott
What are risk factors for severe whiplash?
Suffering injuries related to your car accident in Colorado may create ongoing and debilitating pain. Addressing your injuries right away may prevent them from worsening and allow you to control unwanted symptoms more effectively. In situations where you notice an onset or increase in pain…
Some risks can lead to denied disability insurance applications
Many professionals purchase individual disability insurance (IDI) to supplement employer-provided disability insurance or because an employer does not provide short-term or long-term disability coverage. Insurance companies that offer IDI rely on extensive screening processes to protect their financial interests. Not every individual who wishes to…
Employer-provided vs. private LTD insurance
Long-term disability insurance is a blessing for someone who suffers an illness or injury that keeps him or her from working for a long period. It provides supplemental income to cover basic needs when a person cannot earn money his or herself. Many employers offer…
Independent medical exams for short-term disability claims
Short-term disability benefits or STD benefits provide income for those who miss work for at least seven days. If a person cannot perform his or her job duties, then he or she may deserve 60 to 100 percent of pre-disability earnings. When you apply for…
How do you handle the aftermath of a crash?
When Colorado drivers like you get into a crash, you should know what to do right away. Your actions in the immediate aftermath may impact how your case gets handled in the future. To that end, you must look at the steps taken after a…
How do short-term and long-term disability differ?
If you are fortunate, your employer provides you with both short-term and long-term disability insurance. If not, you may wish to consider purchasing these types of insurance for yourself, particularly long-term disability insurance. Policy Genius explains that both short-term and long-term disability insurance pay you…
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