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3 common tactics used by deceptive disability insurance companies
You may have been paying your disability insurance premiums without fail, expecting that you will be covered if you are injured or too sick to work. However, it may not be the case. The insurance company may play hardball when it is time to meet…
A dismemberment claim can address more than just limbs
When many people consider an accidental death and dismemberment (AD&D) claim, they think about the loss of a limb. It is clear that someone who has lost a leg will have mobility issues or that someone who has lost an arm may not be able…
How can you strengthen an appeal on a denied disability claim?
Unfortunately, not all insurance claims find success right away. Sometimes, the insurance company will deny a claim over form errors or accidental mistakes. Other times, claims are denied because of doubt over the claimant’s disability. If you receive a notice of denial, please do not…
Short-term disability insurance and maternity leave
Last year, Colorado voters approved a ballot measure that will require most employers in the state to provide up to 12 weeks of paid, job-protected family and medical leave (and up to 16 weeks if medical complications warrant). That will put us ahead of many…
Does ERISA govern all private disability benefits?
Disability benefits are an important safety net that many people ignore until they need. Some people don’t have any disability coverage protecting them other than benefits possibly available through the Social Security Administration. Every worker in the country has to pay taxes toward Social Security…
3 car safety checks to perform before leaving
Routine maintenance and safety checks can be beneficial at any time of year. However, as winter approaches, certain safety measures may be particularly relevant. One of the most effective ways to prevent road traffic accidents is to take preventative steps. Many of these can be…
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