Category Archives: Disability
2 tips when you’re filing a disability insurance claim
Disability insurance protects workers who are unable to work due to their medical condition. Employers offer this insurance type as a short-term disability (STD) policy, covering you immediately, or a long-term disability (LTD) policy, replacing your income should the condition keep you from working beyond…
3 signs a disability insurance company deceived you
If you have taken out disability insurance coverage on your own, you will need to work directly with the insurer. This includes obtaining information about the policies and paying premiums. Individual disability insurance can supplement a plan you get through work. It’s also essential for…
Why do employers offer disability insurance?
Employers can offer disability insurance as a perk to their employees. The employees will often buy into this plan in a group setting, so all of them are covered under the same general policy. If they get injured, then they can get benefits for a…
Why would an insurance company deny disability benefits?
You suffered a disability through injury, but you knew that you had a group insurance policy. This was provided by your employer, and it gave you some level of security. If you were disabled, the insurance policy was supposed to provide you with disability benefits.…
Why does your insurer want an independent medical exam?
Your disability insurance company certainly wouldn’t take a determination of your disability from a doctor you’ve never actually met in person – but that’s essentially exactly what happens when your claim is denied. The insurance company’s doctor, a person you’ve never met, makes the decision…
The distinction between long-term and short-term disability insurance
Most of us head to work each day with disability or injury being the last thing on our minds. While there is no need to obsess over the prospect of being unable to work, there is no harm in being prepared. Disabling conditions or injuries…
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