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Suicide Exclusion and Intoxication – New Colorado Supreme Court Decision Concerning Denied Life Insurance Claim
On June 4, 2018, the Colorado Supreme Court issued its opinion in Renfandt v. New York Life Insurance Company, 2018 CO 49, holding, “under Colorado law, a life insurance policy exclusion for ‘suicide, sane or insane’ excludes coverage only if the insured, whether sane or…
Disability Claims for Firefighters & Police Officers
Many firefighters and police officers in the state of Colorado enjoy the benefits of the Fire & Police Pension Association of Colorado (FPPA). The FPPA administers a state-wide, multiple-employer retirement system providing defined benefit plan coverage. In addition to pension benefits, death and disability coverage…
May is Disability Insurance Awareness Month
Disability Insurance Awareness Month (“DIAM”) is a campaign started and sponsored by the nonprofit organization Life Happens. The first goal of the campaign is to encourage people to take the time to consider the reality of missing work for any period of time, and to…
Hartford Approves Long-Term Disability Benefits
A career firefighter suffered from several work-related injuries. He made heroic efforts to continue working by pursuing every treatment option, including multiple surgeries, to improve his conditions. However, his doctors had grave concerns that he would ultimately suffer a reinjury and recommended he cease work.…
How Can I Figure Out the Date of Disability for My Long-Term Disability (LTD) Claim?
When it comes time to file a claim against a long-term disability (LTD) policy, figuring out the date of disability will be pivotal to determining if the claim will be approved or when it becomes payable. Although this date may be relatively clear or definitive…
Independent Medical Exams (IMEs) for Disability Claims: What to Expect
When a claim is filed against a short- or long-term disability policy, the insurance company may request that the claimant attend an independent medical exam (IME). IMEs are basically a visit to a doctor selected by the insurer, during which the nature and severity of…
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