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It’s vital to seek medical care after a road traffic collision
If you are involved in a car accident, it can be a stressful situation. After the accident, you may not feel any immediate aches or pains and decide to pass on medical treatment. This isn’t a smart move. There are more than a few reasons…
How long do you have to file an ERISA appeal?
An insurance policy covered by the 1974 Employee Retirement Income Security Act (ERISA) gives you certain rights. The insurer must handle your claim in accordance with those rights. That does not mean they will. Every year, many employees who believed taking out these policies would…
Sleep disorders can qualify as disabilities
There are many different sleep disorders that people suffer from, which can dramatically impact their quality of life. Some of these can even be dangerous and can have fatal consequences if not treated properly. But even those that don’t generally lead to fatal incidents can…
Should insurance cover the loss of a limb?
In many industries, the loss of a limb through an accidental amputation could mean that an individual will never be able to work in their career again. They may have had a physical job that they cannot do after the fact, but it doesn’t even…
Can disability insurers commit fraud against consumers?
It is common to find stories about consumers committing insurance fraud, but you almost never hear about fraud on the part of insurers. Unfortunately, it can and does happen, leaving those who depend on their insurance without the coverage they purchased. Several years ago, an…
What does bad faith look like in a disability claim?
When you faithfully pay for your long-term disability (LTD) insurance, you expect it to be there when you need it the most. Unfortunately, many find it challenging to get their insurance benefits even after paying into their policy for years or decades. If an insurance…
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