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May is Disability Insurance Awareness Month
May marks the start of Disability Insurance Awareness Month (DIAM), a campaign started and sponsored by the nonprofit organization Life Happens. The goal of DIAM is to educate the public about their risk of disability and inspire them to invest in disability insurance coverage. While…
Unum Life Insurance Company Reverses Decision to Terminate Disability Claim of Client Suffering from Chronic Pain
Mr. “F” called our office, through co-counsel, when Unum terminated his long-term disability (LTD) insurance benefits. Although he had been receiving monthly disability benefits for years, Unum claimed he was no longer disabled under the group insurance policy provided by his employer. Because the insurance…
Life Insurance Claim Denials: 3 Common Reasons for Denials
Life insurance claim denials can be disheartening, but they are not necessarily the final word in a claim, as beneficiaries can appeal denials when they think that insurance companies have made wrong decisions. In fact, by fighting back after wrongful life insurance claim denials, people…
Elimination Periods for LTD and LTC Policies: Here’s What You Should Know
If you have long-term disability (LTD) or long-term care (LTC) insurance, your policy will have what is known as an elimination period associated with it. Understanding what elimination periods for LTD and LTC policies are and how they can impact your current or future claims…
Disability Insurance and ERISA: An Overview
If your disability insurance is provided through your employer, understanding how ERISA may impact your disability claim can be confusing. However, the following overview of how disability insurance and ERISA generally work together can provide you with some important insight as to what to expect…
401(k) Disability Protection Programs
Some employers offer 401(k) disability protection programs for your 401(k) savings in addition to long-term disability (LTD) coverage. Traditional disability insurance replaces a portion of your working income if you become disabled. However, traditional LTD insurance does not provide the ability to set aside 401(k)…
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