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How can you appeal a denial for a disability insurance claim?
Colorado residents like you may need the support of disability insurance. You must go through a process where you make a claim. In some cases, you get access to benefits through claim approval. But in some cases, you have to deal with a denied claim.…
What are some important terms to understand about an ADD policy?
An Accidental Death & Dismemberment policy provides you with protection should you die from an accident or suffer dismemberment. It will pay out in full or partial payment depending on your policy terms. IRMI explains that some terms associated with AD&D claims and benefits may…
What are risk factors for severe whiplash?
Suffering injuries related to your car accident in Colorado may create ongoing and debilitating pain. Addressing your injuries right away may prevent them from worsening and allow you to control unwanted symptoms more effectively. In situations where you notice an onset or increase in pain…
Some risks can lead to denied disability insurance applications
Many professionals purchase individual disability insurance (IDI) to supplement employer-provided disability insurance or because an employer does not provide short-term or long-term disability coverage. Insurance companies that offer IDI rely on extensive screening processes to protect their financial interests. Not every individual who wishes to…
Employer-provided vs. private LTD insurance
Long-term disability insurance is a blessing for someone who suffers an illness or injury that keeps him or her from working for a long period. It provides supplemental income to cover basic needs when a person cannot earn money his or herself. Many employers offer…
Independent medical exams for short-term disability claims
Short-term disability benefits or STD benefits provide income for those who miss work for at least seven days. If a person cannot perform his or her job duties, then he or she may deserve 60 to 100 percent of pre-disability earnings. When you apply for…
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