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Last Modified on October 23, 2015

Knowing the facts about disabilities can underscore just how important it is to have disability insurance coverage. To this end, below, we have presented some essential facts to understand about...

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Last Modified on October 20, 2015

LTD insurers continue to wrongfully deny claims. While there has been some exposure of the nature and extent of the tactics used by insurance companies to wrongfully deny disability claims,...

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Last Modified on June 14, 2015

Long-term disability (LTD) insurance policies commonly contain provisions regarding “offsets.” These provisions are usually called “Deductible Sources of Income.” The purpose of the provision is to allow the insurance company...

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Last Modified on May 1, 2015

May marks the start of Disability Insurance Awareness Month (DIAM), a campaign started and sponsored by the nonprofit organization Life Happens. The goal of DIAM is to educate the public...

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Last Modified on January 22, 2015

If you have long-term disability (LTD) or long-term care (LTC) insurance, your policy will have what is known as an elimination period associated with it. Understanding what elimination periods for...

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Last Modified on December 27, 2014

If your disability insurance is provided through your employer, understanding how ERISA may impact your disability claim can be confusing. However, the following overview of how disability insurance and ERISA...

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