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Fatal car accident totals climb yet again
Car accident fatalities were a major issue in the 1970s, leading to changes in safety standards. Additionally, safety technology for vehicles has developed significantly over the last 50 years. As a result, the general trend in fatal accidents since that time has been a decline.…
Filing a disability claim: The do’s and don’ts
When you file a disability claim with your insurer, you expect to start receiving benefits as soon as possible. However, it is not an automatic process. Mistakes with your claim can lead to delays or even a denied claim, which is why it is essential…
Avoid these mistakes when appealing a denied ERISA claim
The Employee Retirement Income Security Act (ERISA)is a federal law that governs employer-provided insurance plans. One of the key provisions of ERISA is that you have the right to appeal a denied claim for benefits under the plan. However, not all appeals sail through. Appealing…
How a medical evaluation can help during a disability appeal
Someone in need of disability benefits will submit an application to the insurance company, an action which hopefully results in weekly benefits. Some people have benefits provided by their employers, while other people have disability policies that they purchase on their own to protect themselves…
How to talk to your doctor about long-term disability
If you’re waiting for your doctor to tell you that it’s time to file for long-term disability (LTD) benefits, don’t hold your breath. The vast majority of physicians won’t broach the subject with their patients simply because they figure the patient will tell them when…
Has a long-term disability insurer offered a lump-sum buyout?
Once your long-term disability (LTD) claim is approved and stabilized, the insurer may offer you a lump-sum buyout. You could obtain a considerable sum in exchange for ending your claim once and for all. A final lump-sum payment sounds great on paper, but it is…
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