When you take out short-term disability (STD) or long-term disability (LTD) insurance, you agree with the insurer that both of you will act in good faith. You cannot lodge false or exaggerated claims, and they cannot deny or delay claims without a valid reason. Yet,…
Life insurance policies serve a vital purpose. When the policyholder passes away, the beneficiaries could immediately file a claim and use the funds to cover numerous financial obligations ranging from funeral and household expenses to a child’s educational costs. Colorado residents might find the claims…
Planning for the future allows us to create a safety net in case the unthinkable happens. A serious injury or debilitating disease could make any of us unable to work. However, one way to prevent suffering a huge financial loss is to purchase an individual…
It can be devastating for Colorado families to have a life insurance claim denied. Life insurance policies are usually meant to help cover some of the costs of a funeral after the loss of a loved one. When those funds aren’t immediately available it can…
Having life insurance is crucial if you want to protect your family from financial struggle in the event of your unexpected death. A life insurance policy will ensure your family members receive a sum of money when you pass away, as long as you comply…
Claim denial can be a difficult thing to face, but it’s not necessarily the final decision. It’s important to understand your rights as a beneficiary so that you can take the appropriate actions to get your claim accepted. About ERISA ERISA, the Employee Retirement Income…
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