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…
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…
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…
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…
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…
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,…
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